# EDGAR Filing Document

**Accession Number:** 0001802711
**File Stem:** 0001999371-25-015626
**Filing Date:** 2025-10
**Character Count:** 6539464
**Document Hash:** 1cd48bc4804d28ec5be1b634fbcbfaa4
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001999371-25-015626.hdr.sgml**: 20251017

**ACCESSION NUMBER**: 0001999371-25-015626

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

**PUBLIC DOCUMENT COUNT**: 58

**CONFORMED PERIOD OF REPORT**: 20251017

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

**FILED AS OF DATE**: 20251017

**DATE AS OF CHANGE**: 20251017

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Vista Point Assets LLC
- **CENTRAL INDEX KEY:** 0001802711

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

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-04995
- **FILM NUMBER:** 251400680

**BUSINESS ADDRESS:**
- **STREET 1:** 1920 MAIN ST.
- **STREET 2:** SUITE 200
- **CITY:** IRVINE
- **STATE:** CA
- **ZIP:** 92614
- **BUSINESS PHONE:** 949-333-3816

**MAIL ADDRESS:**
- **STREET 1:** 1920 MAIN ST.
- **STREET 2:** SUITE 200
- **CITY:** IRVINE
- **STATE:** CA
- **ZIP:** 92614
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Vista Point Assets LLC
- **CENTRAL INDEX KEY:** 0001802711

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

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

**BUSINESS ADDRESS:**
- **STREET 1:** 1920 MAIN ST.
- **STREET 2:** SUITE 200
- **CITY:** IRVINE
- **STATE:** CA
- **ZIP:** 92614
- **BUSINESS PHONE:** 949-333-3816

**MAIL ADDRESS:**
- **STREET 1:** 1920 MAIN ST.
- **STREET 2:** SUITE 200
- **CITY:** IRVINE
- **STATE:** CA
- **ZIP:** 92614
**SECURITIZER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Vista Point Assets LLC
- **CENTRAL INDEX KEY:** 0001802711

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

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

**BUSINESS ADDRESS:**
- **STREET 1:** 1920 MAIN ST.
- **STREET 2:** SUITE 200
- **CITY:** IRVINE
- **STATE:** CA
- **ZIP:** 92614
- **BUSINESS PHONE:** 949-333-3816

**MAIL ADDRESS:**
- **STREET 1:** 1920 MAIN ST.
- **STREET 2:** SUITE 200
- **CITY:** IRVINE
- **STATE:** CA
- **ZIP:** 92614

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

<br> **FORM ABS-15G<br>ASSET-BACKED SECURITIZER<br> REPORT PURSUANT TO SECTION 15G OF<br> THE SECURITIES EXCHANGE ACT OF 1934**

**<u>VISTA POINT ASSETS LLC</u>**

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

☐ Rule 15Ga-1 under the Exchange Act (17 CFR 240.15Ga-1) for the reporting period______________ to _________________

Date of Report (Date of filing) __________________

Commission File Number of securitizer: __________________

Central Index Key Number of securitizer:__________________

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

Indicate by check mark whether the securitizer has no activity to report for the initial period pursuant to Rule 15Ga-1(c)(l) [ ]

Indicate by check mark whether the securitizer has no activity to report for the quarterly period pursuant to Rule 15Ga-1(c)(2)(i) [ ]

Indicate by check mark whether the securitizer has no activity to report for the annual period pursuant to Rule 15Ga-1(c)(2)(ii) [ ]

☒ Rule 15Ga-2 under the Exchange Act (17 CFR 240.15Ga-2)

Central Index Key Number of depositor: <u>0001802711</u> 

VISTA POINT SECURITIZATION TRUST 2025-CES3

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

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

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

Jim Malloy, (949) 333-3326

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

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

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

**SIGNATURES**

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

VISTA POINT ASSETS LLC

Date: October 17, 2025

By: <u>/s/ Jim Malloy</u>

Name: Jim Malloy

Title: Chief Operating Officer

**EXHIBIT INDEX**

<u>Exhibit Number</u>

[99.1](ex99-1.htm) [Canopy Financial Technology Partners LLC ("Canopy") Narrative](ex99-1.htm)

[Schedule 1 - Canopy Rating Agency Grades Detail Report](ex99-1s1.htm)

[Schedule 2 - Canopy Rating Agency Grades Summary Report](ex99-1s2.htm)

[Schedule 3 - Canopy Valuation Report](ex99-2s3.htm)

[Schedule 4 - Canopy Supplemental Data Extract Report](ex99-1s4.htm)

[Schedule 5 - Canopy ATR QM Report](ex99-1s5.htm)

[Schedule 6 - Canopy Data Compare Report](ex99-1s6.htm)

[99.2](ex99-2.htm) [Clarifii LLC ("Clarifii") Executive Summary](ex99-2.htm)

[Schedule 1 - Clarifii ATR QM Report](ex99-2s1.htm)

[Schedule 2 - Clarifii Data Compare Report](ex99-2s2.htm)

[Schedule 3 - Clarifii Rating Agency Grades Detail Report](ex99-2s3.htm)

[Schedule 4 - Clarifii Rating Agency Grades Summary Report](ex99-2s4.htm)

[Schedule 5 - Clarifii Supplemental Data Extract Report](ex99-2s5.htm)

[Schedule 6 - Clarifii Valuation Report](ex99-2s6.htm)

[99.3](ex99-3.htm) [Incenter Lender Services LLC, c/k/a Incenter Diligence Solutions ("Incenter") Narrative](ex99-3.htm)

[Schedule 1 - Incenter Exception Report](ex99-3s1.htm)

[Schedule 2 - Incenter Rating Agency Grades Report](ex99-3s2.htm)

[Schedule 3 - Incenter QM ATR Report](ex99-3s3.htm)

[Schedule 4 - Incenter Final Tape Compare Report](ex99-3s4.htm)

[Schedule 5 - Incenter Valuation Report](ex99-3s5.htm)

[Schedule 6 - Incenter Supplemental Data Report](ex99-3s6.htm)

[99.4](ex99-4.htm) [Infinity IPS, Inc. ("Infinity") Executive Summary](ex99-4.htm)

[Schedule 1 - Infinity Rating Agency Grades Summary Report](ex99-4s1.htm)

[Schedule 2 - Infinity Rating Agency Grade Detail Report](ex99-4s2.htm)

[Schedule 3 - Infinity Valuation Report](ex99-4s3.htm)

[Schedule 4 - Infinity Data Compare Report](ex99-4s4.htm)

[Schedule 5 - Infinity Supplemental Data Report](ex99-4s5.htm)

[Schedule 6 - Infinity ATR QM Report](ex99-4s6.htm)

[99.5](ex99-5.htm) [Maxwell Diligence Solutions, LLC ("Maxwell") Executive Summary](ex99-5.htm)

[Schedule 1 - Maxwell Standard Exceptions Report](ex99-5s1.htm)

[Schedule 2 - Maxwell Grading Report](ex99-5s2.htm)

[Schedule 3 - Maxwell Valuation Report](ex99-5s3.htm)

[Schedule 4 - Maxwell Data Compare Report](ex99-5s4.htm)

[Schedule 5 - Maxwell Supplemental Data Report](ex99-5s5.htm)

[99.6](ex99-6.htm) [Selene Diligence LLC ("Selene") Narrative](ex99-6.htm)

[Schedule 1 - Selene Rating Agency Grades Summary Report](ex99-6s1.htm)

[Schedule 2 - Selene Standard Findings Report](ex99-6s2.htm)

[Schedule 3 - Selene Valuation Report](ex99-6s3.htm)

[Schedule 4 - Selene Supplemental Data Extract Report](ex99-6s4.htm)

[Schedule 5 - Selene Data Compare Report](ex99-6s5.htm)

[99.7](ex99-7.htm) [The StoneHill Group, Inc. ("Stonehill") Narrative](ex99-7.htm)

[Schedule 1 - Stonehill ATR QM Report](ex99-7s1.htm)

[Schedule 2 - Stonehill Data Compare Report](ex99-7s2.htm)

[Schedule 3 - Stonehill Rating Agency Grades Detail Report](ex99-7s3.htm)

[Schedule 4 - Stonehill Rating Agency Grades Summary Report](ex99-7s4.htm)

[Schedule 5 - Stonehill Supplemental Data Extract Report](ex99-7s5.htm)

[Schedule 6 - Stonehill Valuation Report](ex99-7s6.htm)

## Exhibit 99.01

[VISTA POINT ASSETS LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.1**

![](ex991001.jpg)

**NARRATIVE**

**VSTA 2025-CES3**

**By Canopy Financial Technology Partners LLC on October 15, 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

![](ex991001.jpg)

**Description of Services**

Canopy Financial Technology Partners, LLC ("Canopy") performed certain due diligence services (the "Review) described below on Non-Agency Eligible Mortgage Loans ("Loans") backed by residential properties originated or acquired by Vista Point Mortgage, LLC (the "Client") or its affiliated company. The Review was conducted from May to September 2025 via files imaged and provided by the Client for review.

The Review consisted of a population of seven hundred fifty-eight (758) Loans with an aggregate principal balance of $165,614,251.

**Loan Sampling**

The Client defined the sample size and the random sampling of the Loans to be included in the Review.

The Review was conducted consistent with the criteria for the specific Nationally Recognized Statistical Rating Organizations (NRSROs); DBRS, 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 |

---

![](ex991001.jpg)

---

| | |
|:---|:---|
| &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 |
| Qualifying Total Debt Income Ratio (if 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 |

---

**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.

![](ex991001.jpg)

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

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

● Borrower(s) employment history;

● Citizenship and eligibility;

● First time home buyer status;

● The application was signed by all borrowers; and

● The application was substantially completed.

**Credit History:** Canopy verified:

● A credit report or alternative credit history as applicable to loan type is present for each borrower;

● Bankruptcy and foreclosure seasoning;

● Capture the monthly consumer debt payments for use in the applicable DTI calculation;

● Installment and revolving payment history;

● Mortgage/rental payment history;

● Note and research the Real Estate Owned, OFAC, and Fraud alerts;

● Number of tradelines; and

● Representative Credit Score and Methodology.

**Employment and Income:** Canopy determined whether all applicable supporting documentation as required by Seller's Guidelines and Ability to Repay ("**ATR**") when applicable per above were in the file. The documentation was used to verify whether the income used to qualify the loan was calculated in accordance with Seller's Guidelines. Documentation verifying employment and income were deemed acceptable if it was a third-party document as required by the Seller's Guidelines and ATR when applicable per above and may include:

● Verbal or Written VOE's;

● Paystubs;

● W-2 forms;

● Tax returns;

● Financial statements;

● Award letters; 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:

● Social Security inconsistencies

● Borrower name variations

![](ex991001.jpg)

● Employment:

● Licensing – reviewed NMLS data for:

● Mortgage lender/originator

● Loan officer

● Occupancy:

● Borrower address history

● Subject property ownership history

● OFAC.

**Asset Review:** Canopy assessed whether the asset documentation required by the Seller's Guidelines and ATR, when applicable, was present in the Loan File. Canopy also conducted a review of the reserve calculation, if used to determine ATR or required by the Seller's Guidelines, including a review of any large deposits. Canopy re-calculated gross, net, and liquid asset balances. The Asset Review also consisted of verifying the down payment, closing costs, prepaid items and reserves. Documentation used to verify assets for down payment, closing costs, prepaid items and reserves may have included:

● Depository account statements;

● Gift funds;

● Settlement statement or other evidence of conveyance and transfer of funds if a sale of assets was involved;

● Stock or security account statements; and/or

● VOD's.

**Hazard/Flood insurance/Taxes:** A review of the insurance present on the loan was performed by Canopy as follows:

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

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

● Confirmed that the premium amount on both the hazard and flood insurance match what was used in the DTI calculations;

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

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

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

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

**Automated Underwriting System Findings:** N/A

![](ex991001.jpg)

**Document Review**

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

● Initial application (1003);

● Final application (1003);

● Note;

● Mortgage/Deed of Trust;

● Appraisal;

● Sales Contract;

● Title Commitment/Policy;

● Junior Lien/Subordination Agreement;

● Mortgage Insurance;

● Underwriting Approval Documentation inclusive, but not limited to documents listed in the Credit Review section herein;

● Flood Certification;

● Initial and Final Loan Estimate (LE);

● Initial and Final and Closing Disclosure (CD); 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

![](ex991001.jpg)

did not violate any applicable regulatory compliance obligations, the loan was re-graded as a "B" grade final finding.

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

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

**Compliance Review**

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

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

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

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

![](ex991001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. **TILA/RESPA Integrated Disclosure Testing ("TRID")**. A review and comparison of LEs
 and CDs with a report outlining any TILA violations, including a re-calculation of disclosed
 finance charge, principal and interest calculations, proper completion of the Projected
 Payments table, total of payments, finance charge, amount financed, recalculation of
 disclosed APR and a review to determine disclosure differences were within the allowed
 tolerances and disclosures were provided within the required timeframes. Testing will
 be conducted to fulfill the elements Structured Finance Association (SFA) TRID Compliance
 Review Scope ("TRID Grid 4.0");

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. **Right of Rescission**. A review of the TILA Right of Rescission, Notice of Right to Cancel,
 including a verification of the transaction date and expiration date, ensuring proper
 execution of the Notice of Right to Cancel by all required parties,

![](ex991001.jpg)

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).

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

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

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

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

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

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

**State & Local Anti-Predatory Requirements**

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

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

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

![](ex991001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

![](ex991001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**QUALIFIED MORTGAGE (QM)** 

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

![](ex991001.jpg)

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

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

***Ability to Repay (ATR)***

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

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

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

**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.

![](ex991001.jpg)

● 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 the Desk Review supported the origination appraised value within a -10% variance, no additional products were required.

● 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 value.

**Agency Eligible Loans:**

● For FNMA loans, if a CU Score was available and the CU Score was greater than 2.5, Canopy ordered a Desk Review. If the CU Score was less than or equal to 2.5, no Desk Review 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 a Desk Review. If the FHLMC Rep & Warrant Relief indicator was Eligible, no Desk Review 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.

![](ex991001.jpg)

---

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

---

---

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

---

---

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

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Valuation Event Grade** | &nbsp;&nbsp;**Valuation Event Grade** |
| &nbsp;&nbsp;**A** | &nbsp;&nbsp;The value is supported within 10% of the original appraisal by supporting documents (CDA, Field Review or Second Appraisal). The appraisal was performed on an "as-is" basis and the property is complete and habitable at origination. The appraiser was appropriately licensed and used GSE approved forms. |
| &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 |

---

![](ex991001.jpg)

---

| | |
|:---|:---|
|  | &nbsp;&nbsp;considered and documented for exceeding guidelines. The appraisal was performed on an "as-is" basis and the property is complete and habitable. The appraiser was appropriately licensed and used GSE approved forms. |
| &nbsp;&nbsp;**C** | &nbsp;&nbsp;The value is not supported within 10% of the original appraisal. The valuation methodology did not meet the published guidelines and there were not sufficient compensating factors for exceeding published guidelines. The property is in below "average" condition or the property is not complete or requires significant repairs. The appraisal was not performed on an "as is" basis. The appraiser was not appropriately licensed or did not use GSE approved forms |
| &nbsp;&nbsp;**D** | The file was missing the appraisal or there was not sufficient valuation documentation to perform a review. |

---

**FINDINGS SUMMARY**

**Summary Overview**

Canopy's review concluded the grading of the Credit, Property/Valuation, and Compliance sections. 3.96% (30 Loans) have an overall grade of "B" and 96.04% (728 Loans) have an overall grade of "A".

Canopy's review concluded a Credit grade of "B" for 1.85%, or fourteen (14) loans reviewed, and 98.15% (744 loans) have a Credit grade of "A".

Canopy's review concluded a Compliance grade of "B" for 0.92%, or seven (7) loans reviewed, and 99.08% (751 loans) have a Compliance grade of "A".

Canopy's review concluded a Property/Valuation grade of "B" for 0.00%, or zero (0) loans reviewed, 50.53% (383 loans) have a Property/Valuation grade of "A", and 49.47% (375 loans) have a Property/Valuation grade of "NA".

**FINDINGS TABLE**

**REVIEW TABLES**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**OVERALL REVIEW RESULTS** | &nbsp;&nbsp;**OVERALL REVIEW RESULTS** | &nbsp;&nbsp;**OVERALL REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;728 | &nbsp;&nbsp;96.04% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;30 | &nbsp;&nbsp;3.96% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

![](ex991001.jpg)

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**758** | &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;744 | &nbsp;&nbsp;98.15% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;14 | &nbsp;&nbsp;1.85% |
| &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;**758** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** | &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** | &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;751 | &nbsp;&nbsp;99.08% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;7 | &nbsp;&nbsp;0.92% |
| &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;**758** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** | &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** | &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;383 | &nbsp;&nbsp;50.53% |
| &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;375 | &nbsp;&nbsp;49.47% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**758** | &nbsp;&nbsp;**100.00%** |

---

**Additional Loan Summary Details**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;758 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$165363251.00 |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**758** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$165363251.00** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;First | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Second | &nbsp;&nbsp;758 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$165363251.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**758** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$165363251.00** |

---

![](ex991001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Cash Out: Debt Consolidation—<br> Proceeds used to pay off existing loans <br> other than loans secured by real estate | &nbsp;&nbsp;21 | &nbsp;&nbsp;2.77% | &nbsp;&nbsp;$3530402.00 |
| &nbsp;&nbsp;Cash Out: Home Improvement/Renovation | &nbsp;&nbsp;25 | &nbsp;&nbsp;3.30% | &nbsp;&nbsp;$4496628.00 |
| &nbsp;&nbsp;Cash Out: Other/Multi-Purpose/Unknown Purpose | &nbsp;&nbsp;706 | &nbsp;&nbsp;93.14% | &nbsp;&nbsp;$156127721.00 |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.26% | &nbsp;&nbsp;$375000.00 |
| &nbsp;&nbsp;Other Than First Time Home Purchase | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.53% | &nbsp;&nbsp;$833500.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**758** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$165363251.00** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;120 Months | &nbsp;&nbsp;12 | &nbsp;&nbsp;1.58% | &nbsp;&nbsp;$1875950.00 |
| &nbsp;&nbsp;121 - 180 Months | &nbsp;&nbsp;24 | &nbsp;&nbsp;3.17% | &nbsp;&nbsp;$2073095.00 |
| &nbsp;&nbsp;181 - 240 Months | &nbsp;&nbsp;25 | &nbsp;&nbsp;3.30% | &nbsp;&nbsp;$4745237.00 |
| &nbsp;&nbsp;241 - 300 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;301 - 360 Months | &nbsp;&nbsp;697 | &nbsp;&nbsp;91.95% | &nbsp;&nbsp;$156668969.00 |
| &nbsp;&nbsp;421 - 480 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**758** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$165363251.00** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Owner Occupied | &nbsp;&nbsp;592 | &nbsp;&nbsp;78.10% | &nbsp;&nbsp;$125461430.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;7 | &nbsp;&nbsp;0.92% | &nbsp;&nbsp;$1436500.00 |
| &nbsp;&nbsp;Investment Property | &nbsp;&nbsp;159 | &nbsp;&nbsp;20.98% | &nbsp;&nbsp;$38465321.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**758** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$165363251.00** |

---

![](ex991001.jpg)

**DATA COMPARISON RESULTS**

Of the seven hundred fifty-eight (758) Loan files reviewed, three hundred forty-six (346) unique loans (45.65% by number) had three hundred eighty-nine (389) tape comparison discrepancies across twenty-two (22) data fields.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Logic Applied** | &nbsp;&nbsp;**# Loans with Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**% Variance** |
| &nbsp;&nbsp;Borrower 1 Employer 1 Years in Line of Work | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;28 | &nbsp;&nbsp;758 | &nbsp;&nbsp;3.69% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;2 | &nbsp;&nbsp;758 | &nbsp;&nbsp;0.26% |
| &nbsp;&nbsp;Borrower 2 First Name | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;758 | &nbsp;&nbsp;0.13% |
| &nbsp;&nbsp;Business Purpose Flag | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;9 | &nbsp;&nbsp;758 | &nbsp;&nbsp;1.19% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;3 | &nbsp;&nbsp;758 | &nbsp;&nbsp;0.40% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;2 | &nbsp;&nbsp;758 | &nbsp;&nbsp;0.26% |
| &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;758 | &nbsp;&nbsp;0.13% |
| &nbsp;&nbsp;Number of Borrowers | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;758 | &nbsp;&nbsp;0.13% |
| &nbsp;&nbsp;Number of Mortgaged Properties | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;4 | &nbsp;&nbsp;758 | &nbsp;&nbsp;0.53% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;4 | &nbsp;&nbsp;758 | &nbsp;&nbsp;0.53% |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;758 | &nbsp;&nbsp;0.13% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;758 | &nbsp;&nbsp;0.13% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;758 | &nbsp;&nbsp;0.13% |
| &nbsp;&nbsp;Property County | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;2 | &nbsp;&nbsp;758 | &nbsp;&nbsp;0.26% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;53 | &nbsp;&nbsp;758 | &nbsp;&nbsp;6.99% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;758 | &nbsp;&nbsp;0.13% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% | &nbsp;&nbsp;4 | &nbsp;&nbsp;758 | &nbsp;&nbsp;0.53% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;11 | &nbsp;&nbsp;758 | &nbsp;&nbsp;1.45% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% | &nbsp;&nbsp;1 | &nbsp;&nbsp;758 | &nbsp;&nbsp;0.13% |
| &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;241 | &nbsp;&nbsp;758 | &nbsp;&nbsp;31.79% |

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![](ex991001.jpg)

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;Term | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;758 | &nbsp;&nbsp;0.13% |
| &nbsp;&nbsp;Verified Doc Type | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;17 | &nbsp;&nbsp;758 | &nbsp;&nbsp;2.24% |

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**Disclaimer**

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

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

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

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

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

## Exhibit 99.1

[VISTA POINT ASSETS LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.1 - Schedule 1**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Property Initial Loan Grade** | **Property Current/Final Loan Grade** | **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** |
| 14171325 |  | C A | A | A | Closed | finding-3408 | 2025-05-14 17:02 | 2025-07-02 14:50 | Resolved | 1 - Information C A | Compliance | Points & Fees | High-Cost Mortgage Late Fee Test | Resolved-Evidence of xxx not retained by affiliate provided. - Due Diligence Vendor-07/02/2025 <br> Counter- - Due Diligence Vendor-07/02/2025 <br> Counter- - Due Diligence Vendor-07/02/2025 <br> Counter-Need evidence of the xxx of the xxx lenders title policy that was excluded and paid to a third party in order for this not to be high cost loan at consummation. - Due Diligence Vendor-06/17/2025 <br> Ready for Review-Following up on my comments from the 10th! Can you please advise, ASAP! Thank you! - Seller-06/16/2025 <br> Open- - Due Diligence Vendor-06/16/2025 <br> Ready for Review-I apologize but our PCCD team is not sure what exactly is needed. Can you please further clarify how you need the PCCD to be? Appreciate your help with this matter! - Seller-06/10/2025 <br> Counter-PCCD attached to the check, is insufficient to resolve this particular finding---- Refund/restitution has to specify which of the HC charges it is being applied to (IE the lender fee, or a fee paid to the affiliate). A lump cure section J credit does not show good faith correction for an unintentional HC violation. \*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\* Please Provide PCCD, showing corrected portion of Borrower Paid vs Lender Paid HC included fee. - Due Diligence Vendor-06/06/2025 <br> Ready for Review-Document Uploaded. - Seller-06/05/2025 <br> Counter-The High Cost violation is due to points & fee, rather than Rate ----- If the charges are decreased specifically in a PCCD, and overcharged HC included fee reduction amount is refunded to borrower, then YES, the HC violation can be resolved under: (h) Corrections and unintentional violations. A creditor or assignee in a high-cost mortgage, as defined in § 1026.32(a), who, when acting in good faith, failed to comply with any requirement under section 129 of the Act will not be deemed to have violated such requirement if the creditor or assignee satisfies either of the following sets of conditions:<br> (1) (i) Within 30 days of consummation or account opening and prior to the institution of any action, the consumer is notified of or discovers the violation;<br> (ii) Appropriate restitution is made within a reasonable time; \*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\* Please Provide PCCD, showing corrected portion of Borrower Paid vs Lender Paid HC included fee, copy of refund check to the borrower, LOE and proof of mailing. Thank you.<br> - Due Diligence Vendor-05/31/2025 <br> Ready for Review-Are we able to cure the xxx - Seller-05/30/2025 <br> Counter-Explanation in comments does not address the finding. \*\*\* Please provide additional documentation to support the xxx portion of the Lender Policy was paid to a third party and excluded from the High Cost testing. - Due Diligence Vendor-05/21/2025 <br> Ready for Review-This should have been done as alt doc since the borrower recently switch from self employed to W2. Can you let xxx know this and we will see if they accept it. Thanks!<br>xxx <br> Underwriter<br> \*\* Please note my work hours are Monday-Friday xxx \*\*<br> xxx \| xxx <br> p xxx <br> xxx\| xxx<br> - Seller-05/20/2025 <br> Open-\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\* Per Lender Mavent Provided: You submitted ($65.00) Lender's Title Policy as a single line item in Encompass even though the amount was split between two payees (affiliate and provider). You designated ($45.00) of the Lender's Title Policy as retained and paid to affiliate; so, the system included it in the high cost points and fees test. You designated ($20.00) of the Lender's Title Policy as paid to provider; so, the system excluded it as displayed in the Real Estate Related Fees section, Lender's Title Excluded row of the high cost points and fees worksheet. Certain investors will require additional documentation concerning payment to the affiliate and provider. ((12 CFR 1026.32(b)(1)(i)(D); 12 CFR 1026.32(b)(2)(i)(D))) \*\*\* Please provide additional documentation to support the 20.00 portion of the Lender Policy was paid to a third party and excluded from the High Cost testing. - Due Diligence Vendor-05/19/2025 <br> Open-This loan failed the high-cost mortgage late charges test for one of the following reasons: (12 CFR §1026.34(a)(8)(i))The loan provides for a late payment fee in excess of 4% of the amount of the payment past due; orA value for the late charges amount was not provided.Any late payment charge imposed in connection with a high-cost mortgage must be specifically permitted by the terms of the loan contract or open-end credit agreement and may not exceed 4 percent of the amount of the payment past due. No such charge may be imposed more than once for a single late payment. - Due Diligence Vendor-05/14/2025 | Ready for Review-Following up on my comments from the xxx! Can you please advise, ASAP! Thank you! - Seller-06/16/2025 <br> Ready for Review-I apologize but our PCCD team is not sure what exactly is needed. Can you please further clarify how you need the PCCD to be? Appreciate your help with this matter! - Seller-06/10/2025 <br> Ready for Review-Document Uploaded. - Seller-06/05/2025 <br> Ready for Review-Are we able to cure the $xxx? - Seller-05/30/2025 <br> Ready for Review-This should have been done as alt doc since the borrower recently switch from self employed to W2. Can you let xxx know this and we will see if they accept it. Thanks!<br>xxx<br>- Seller-05/20/2025 | Resolved-Evidence of $xxx not retained by affiliate provided. - Due Diligence Vendor-07/02/2025 | Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30.00 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.17 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14171325 |  | C A | A | A | Closed | finding-3393 | 2025-05-14 17:02 | 2025-07-02 14:50 | Resolved | 1 - Information C A | Compliance | Points & Fees | High-Cost Mortgage Points and Fees Threshold Test | Resolved-Evidence of xxx not retained by affiliate provided. - Due Diligence Vendor-07/02/2025 <br> Resolved- - Due Diligence Vendor-07/02/2025 <br> Ready for Review-Document Uploaded. - Seller-06/05/2025 <br> Open-\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\* Per xxx Provided: You submitted (xxx) Lender's Title Policy as a single line item in xxx even though the amount was split between two payees (affiliate and provider). You designated (xxx) of the Lender's Title Policy as retained and paid to affiliate; so, the system included it in the high cost points and fees test. You designated (xxx) of the Lender's Title Policy as paid to provider; so, the system excluded it as displayed in the Real Estate Related Fees section, Lender's Title Excluded row of the high cost points and fees worksheet. Certain investors will require additional documentation concerning payment to the affiliate and provider. ((12 CFR 1026.32(b)(1)(i)(D); 12 CFR 1026.32(b)(2)(i)(D))) \*\*\* Please provide additional documentation to support the xxx portion of the Lender Policy was paid to a third party and excluded from the High Cost testing. - Due Diligence Vendor-05/19/2025 <br> Open-This loan failed the high-cost mortgage points and fees threshold test due to one of the following findings: (12 CFR §1026.32(a)(1)(ii)(A), (B))The loan amount is xxx or more, and the transaction's total points and fees is xxx, which exceeds 5 percent of the total loan amount of xxx; orThe loan amount is less than xxx and the transaction's total points and fees is xxx, which exceeds the lesser of 8 percent of the total loan amount of xxx or xxx. - Due Diligence Vendor-05/14/2025 | Ready for Review-Document Uploaded. - Seller-06/05/2025<br>| Resolved-Evidence of $xxx not retained by affiliate provided. - Due Diligence Vendor-07/02/2025 | Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30.00 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.17 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14171325 |  | C A | A | A | Closed | finding-3399 | 2025-05-14 17:02 | 2025-07-02 14:50 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | High-Cost Mortgage Timing of Disclosure Test | Resolved-Evidence of xxx not retained by affiliate provided. - Due Diligence Vendor-07/02/2025 <br> Resolved- - Due Diligence Vendor-07/02/2025 <br> Ready for Review-Document Uploaded. - Seller-06/05/2025 <br> Open-\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\* Per xxx Provided: You submitted (xxx) Lender's Title Policy as a single line item in xxx even though the amount was split between two payees (affiliate and provider). You designated (xxx) of the Lender's Title Policy as retained and paid to affiliate; so, the system included it in the high cost points and fees test. You designated (xxx) of the Lender's Title Policy as paid to provider; so, the system excluded it as displayed in the Real Estate Related Fees section, Lender's Title Excluded row of the high cost points and fees worksheet. Certain investors will require additional documentation concerning payment to the affiliate and provider. ((12 CFR 1026.32(b)(1)(i)(D); 12 CFR 1026.32(b)(2)(i)(D))) \*\*\* Please provide additional documentation to support the xxx portion of the Lender Policy was paid to a third party and excluded from the High Cost testing. - Due Diligence Vendor-05/19/2025 <br> Open-This loan failed the high-cost mortgage timing of disclosure test due to one of the following findings: (12 CFR §1026.31(c))The High-Cost Mortgage Disclosure Date indicates the creditor did not furnish the disclosure required by 12 CFR §1026.32 at least three business days prior to the consummation or account opening of a high-cost mortgage; orThe High-Cost Mortgage Disclosure Date was not provided; orNeither the consummation date nor the closing date was provided. - Due Diligence Vendor-05/14/2025 | Ready for Review-Document Uploaded. - Seller-06/05/2025<br>| Resolved-Evidence of $xxx not retained by affiliate provided. - Due Diligence Vendor-07/02/2025 | Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30.00 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.17 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14171325 |  | C A | A | A | Closed | finding-3406 | 2025-05-14 17:02 | 2025-07-02 14:50 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | High-Cost Mortgage Pre-Loan Counseling Date Test | Resolved-Evidence of xxx not retained by affiliate provided. - Due Diligence Vendor-07/02/2025 <br> Resolved- - Due Diligence Vendor-07/02/2025 <br> Ready for Review-Document Uploaded. - Seller-06/05/2025 <br> Open-\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\* Per Lender xxx Provided: You submitted (xxx) Lender's Title Policy as a single line item in xxx even though the amount was split between two payees (affiliate and provider). You designated (xxx) of the Lender's Title Policy as retained and paid to affiliate; so, the system included it in the high cost points and fees test. You designated (xxx) of the Lender's Title Policy as paid to provider; so, the system excluded it as displayed in the Real Estate Related Fees section, Lender's Title Excluded row of the high cost points and fees worksheet. Certain investors will require additional documentation concerning payment to the affiliate and provider. ((12 CFR 1026.32(b)(1)(i)(D); 12 CFR 1026.32(b)(2)(i)(D))) \*\*\* Please provide additional documentation to support the xxx portion of the Lender Policy was paid to a third party and excluded from the High Cost testing. - Due Diligence Vendor-05/19/2025 <br> Open-This loan failed the high-cost mortgage pre-loan counseling date test due to one of the following findings: (12 CFR §1026.34(a)(5)(i), (ii))The loan is a xxx RESPA loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received either the good faith estimate or the disclosures required by 12 CFR §1026.40; orThe loan is a 2015 TRID loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received either the initial loan estimate or the disclosures required by 12 CFR §1026.40; orThe loan is a chattel loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received the disclosures required by 12 CFR §1026.32; orThe High-Cost Mortgage Pre-Loan Counseling Date was not provided; orThe High-Cost Mortgage Pre-Loan Counseling Date is on or after the closing date or estimated closing date.Certification of counseling required. A creditor shall not extend a high-cost mortgage to a consumer unless the creditor receives written certification that the consumer has obtained counseling on the advisability of the mortgage from a counselor that is approved to provide such counseling by the Secretary of the U.S. Department of Housing and Urban Development or, if permitted by the Secretary, by a State housing finance authority.(ii) Timing of counseling. The counseling required under this paragraph (a)(5) must occur after:(A) The consumer receives either the disclosure required by section 5(c) of the Real Estate Settlement Procedures Act of 1974 (12 U.S.C. 2604(c)) or the disclosures required by §1026.40; or(B) The consumer receives the disclosures required by §1026.32(c), for transactions in which neither of the disclosures listed in (A) are provided. - Due Diligence Vendor-05/14/2025 | Ready for Review-Document Uploaded. - Seller-06/05/2025<br>| Resolved-Evidence of $xxx not retained by affiliate provided. - Due Diligence Vendor-07/02/2025 | Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30.00 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.17 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14171325 |  | C A | A | A | Closed | FCRE1437 | 2025-05-17 14:01 | 2025-05-21 09:58 | Resolved | 1 - Information C A | Credit | Income | Income and Employment Do Not Meet Guidelines | Resolved-Borrower has over 2 yrs income verified, with the majority of those 2 yrs being self-employed. borrower recently left S/E for a more stable W2 job, in which he earners 80 hrs of a pay cycle. no issue calling this loan full doc as that is the only doc type applicable to his current employment. - Due Diligence Vendor-05/21/2025 <br> Ready for Review-This should have been done as alt doc since the borrower recently switch from self employed to W2. Can you let VPM know this and we will see if they accept it. Thanks!<br>xxxx<br> Underwriter<br> \*\* Please note my work hours are Monday-Friday xxx) \*\*<br> xxx<br> xxx<br> xxx<br>- Seller-05/20/2025 <br> Open-Income and Employment Do Not Meet Guidelines Tape data reflects Full Doc however UW income worksheet states qualified using WVOE and did not consider full 2 years income require to meet Full Doc status. - Due Diligence Vendor-05/17/2025 | Ready for Review-This should have been done as alt doc since the borrower recently switch from self employed to W2. Can you let xxx know this and we will see if they accept it. Thanks!<br>xxx<br>- Seller-05/20/2025 | Resolved-Borrower has over 2 yrs income verified, with the majority of those 2 yrs being self-employed. borrower recently left S/E for a more stable W2 job, in which he earners 80 hrs of a pay cycle. no issue calling this loan full doc as that is the only doc type applicable to his current employment. - 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 - 30.00 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.17 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 18726232 |  | C A | A | A | Closed | finding-3631 | 2025-06-02 19:26 | 2025-06-15 19:08 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-COC event details received, data entered, no additional compliance findings. - Due Diligence Vendor-06/15/2025 <br> Ready for Review-Document Uploaded. cd and coc - loe increase on appraisal fee - Seller-06/13/2025 <br> Counter-TPR cannot determine any reason (for example: rural, 1007, complexity, mileage ,etc) that would validate the higher appraisal charge was "new information". An invoice coming in higher than expected, is not new information. It is demonstrative of an under-disclosed initial amount and is therefore, subject to tolerance. Please provide valid COC event detail, or 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-06/04/2025 <br> Ready for Review-Document Uploaded. Loan Estimates and COC xxx - Appraisal fee increase disclosed to borrower. - Seller-06/03/2025 <br> Open-\*\*\*\*\*\*\*\*\*\*\*\*\*\*Appraisal charge increased from xxx to xxx with no evidence of a valid change of circumstance event pursuant to § 1026.19(e)(3)(iv). 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-06/02/2025 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-06/02/2025 | Ready for Review-Document Uploaded. cd and coc - loe increase on appraisal fee - Seller-06/13/2025 <br>Ready for Review-Document Uploaded. Loan Estimates and COC 5/6/2025 - Appraisal fee increase disclosed to borrower. - Seller-06/03/2025<br>| Resolved-COC event details received, data entered, no additional compliance findings. - Due Diligence Vendor-06/15/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 4.44% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 38.62 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 48.93% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 26.99 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 - 30.00 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 18726232 |  | C A | A | A | Closed | finding-3632 | 2025-06-02 19:26 | 2025-06-15 19:08 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-COC event details received, data entered, no additional compliance findings. - Due Diligence Vendor-06/15/2025 <br> Ready for Review-Document Uploaded. loe increase on appraisal fee - Seller-06/13/2025 <br> Counter-TPR cannot determine any reason (for example: rural, 1007, complexity, mileage ,etc) that would validate the higher appraisal charge was "new information". An invoice coming in higher than expected, is not new information. It is demonstrative of an under-disclosed initial amount and is therefore, subject to tolerance. Please provide valid COC event detail, or 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-06/04/2025 <br> Ready for Review-Document Uploaded. le and coc - Seller-06/03/2025 <br> Open-\*\*\*\*\*\*\*\*\*\*\*\*\*\*Appraisal charge increased from xxx to xxx with no evidence of a valid change of circumstance event pursuant to § 1026.19(e)(3)(iv). 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-06/02/2025 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-06/02/2025 | Ready for Review-Document Uploaded. loe increase on appraisal fee - Seller-06/13/2025 <br>Ready for Review-Document Uploaded. le and coc - Seller-06/03/2025<br>| Resolved-COC event details received, data entered, no additional compliance findings. - Due Diligence Vendor-06/15/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 4.44% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 38.62 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 48.93% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 26.99 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 - 30.00 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 18726232 |  | C A | A | A | Closed | finding-3634 | 2025-06-02 19:26 | 2025-06-15 19:08 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-COC event details received, data entered, no additional compliance findings. - Due Diligence Vendor-06/15/2025 <br> Ready for Review-Document Uploaded. coc loe increase on appraisal fee - Seller-06/13/2025 <br> Counter-TPR cannot determine any reason (for example: rural, 1007, complexity, mileage ,etc) that would validate the higher appraisal charge was "new information". An invoice coming in higher than expected, is not new information. It is demonstrative of an under-disclosed initial amount and is therefore, subject to tolerance. Please provide valid COC event detail, or 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-06/04/2025 <br> Ready for Review-Document Uploaded. loan estimate and coc - appraisal fee increase - Seller-06/03/2025 <br> Open-\*\*\*\*\*\*\*\*\*\*\*\*\*\*Appraisal charge increased from xxx to xxx with no evidence of a valid change of circumstance event pursuant to § 1026.19(e)(3)(iv). 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-06/02/2025 <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 xxx 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-06/02/2025 | Ready for Review-Document Uploaded. coc loe increase on appraisal fee - Seller-06/13/2025 <br>Ready for Review-Document Uploaded. loan estimate and coc - appraisal fee increase - Seller-06/03/2025<br>| Resolved-COC event details received, data entered, no additional compliance findings. - Due Diligence Vendor-06/15/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 4.44% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 38.62 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 48.93% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 26.99 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 - 30.00 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 17867064 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 19758469 |  | D A | N/A | N/A | Closed | FCRE5782 | 2025-06-04 10:10 | 2025-06-15 12:39 | 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-06/15/2025 <br> Ready for Review-Document Uploaded. - Seller-06/12/2025 <br> Counter-The GAP report provided is dated xxx however the closing date is xxx (17 days) Guidelines require xxx days from Note date - Due Diligence Vendor-06/11/2025 <br> Ready for Review-Document Uploaded. - Seller-06/10/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Provide the Gap Credit Report for the Borrower and Co-borrower. - Due Diligence Vendor-06/04/2025 | Ready for Review-Document Uploaded. - Seller-06/12/2025 <br>Ready for Review-Document Uploaded. - Seller-06/10/2025<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-06/15/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<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 0 By Six (6) Or More Months<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 39.39% 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxx |
| 17492147 | xxx | D A C | A | A | Closed | FCRE1173 | 2025-06-04 21:18 | 2025-06-13 11:13 | 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-06/13/2025 <br> Ready for Review-Document Uploaded. - Seller-06/11/2025 <br> Counter-Missing the Condo Master Policy from the file. - Due Diligence Vendor-06/10/2025 <br> Ready for Review-Document Uploaded. - Seller-06/09/2025 <br> Open-Missing HO-6 Master Insurance Policy. In Package - Due Diligence Vendor-06/05/2025 | Ready for Review-Document Uploaded. - Seller-06/11/2025 <br>Ready for Review-Document Uploaded. - Seller-06/09/2025<br>| Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-06/13/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.68 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 - 25.41 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.00 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 54.78% Is Below the Guideline Maximum Of 70% 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 - 24.17 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 - 7.63 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.84% 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 17492147 | xxx | D A C | A | A | Closed | finding-3631 | 2025-06-05 11:16 | 2025-06-10 08:13 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-RLE and COC detail received, data entered, no additional compliance findings. - Due Diligence Vendor-06/10/2025 <br> Ready for Review-Document Uploaded. Please be informed that VOE fee was disclosed on initial LE. Please refer to re-disclosed LE for HOA questionnaire fee and its delivery proof. - Seller-06/10/2025 <br> Open-The following charges have been added Verification Of Employment and Hoa Questionnaire Fee resulting in a 0% tolerance cure in the amount of xxx . Please provide COC event details dated within 3 days of additional charges. Or 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-06/06/2025 <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. - Due Diligence Vendor-06/05/2025 | Ready for Review-Document Uploaded. Please be informed that VOE fee was disclosed on initial LE. Please refer to re-disclosed LE for HOA questionnaire fee and its delivery proof. - Seller-06/10/2025<br>| Resolved-RLE and COC detail received, data entered, no additional compliance findings. - Due Diligence Vendor-06/10/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.68 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 - 25.41 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.00 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 54.78% Is Below the Guideline Maximum Of 70% 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 - 24.17 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 - 7.63 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.84% 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 17492147 | xxx | D A C | A | A | Closed | finding-3632 | 2025-06-05 11:16 | 2025-06-10 08:13 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-RLE and COC detail received, data entered, no additional compliance findings. - Due Diligence Vendor-06/10/2025 <br> Ready for Review-Document Uploaded. Please be informed that VOE fee was disclosed on initial LE. Please refer to re-disclosed LE for HOA questionnaire fee and its delivery proof. - Seller-06/10/2025 <br> Open-The following charges have been added Verification Of Employment and Hoa Questionnaire Fee resulting in a 0% tolerance cure in the amount of xxx. Please provide COC event details dated within 3 days of additional charges. Or 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-06/06/2025 <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. - Due Diligence Vendor-06/05/2025 | Ready for Review-Document Uploaded. Please be informed that VOE fee was disclosed on initial LE. Please refer to re-disclosed LE for HOA questionnaire fee and its delivery proof. - Seller-06/10/2025<br>| Resolved-RLE and COC detail received, data entered, no additional compliance findings. - Due Diligence Vendor-06/10/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.68 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 - 25.41 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.00 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 54.78% Is Below the Guideline Maximum Of 70% 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 - 24.17 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 - 7.63 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.84% 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 17492147 | xxx | D A C | A | A | Closed | finding-3634 | 2025-06-05 11:16 | 2025-06-10 08:13 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-RLE and COC detail received, data entered, no additional compliance findings. - Due Diligence Vendor-06/10/2025 <br> Ready for Review-Document Uploaded. - Seller-06/10/2025 <br> Open-The following charges have been added Verification Of Employment and Hoa Questionnaire Fee resulting in a 0% tolerance cure in the amount of xxx . Please provide COC event details dated within 3 days of additional charges. Or 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-06/06/2025 <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 xxx 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-06/05/2025 | Ready for Review-Document Uploaded. - Seller-06/10/2025<br>| Resolved-RLE and COC detail received, data entered, no additional compliance findings. - Due Diligence Vendor-06/10/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.68 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 - 25.41 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.00 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 54.78% Is Below the Guideline Maximum Of 70% 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 - 24.17 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 - 7.63 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.84% 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14184869 |  | D A | N/A | N/A | Closed | FCRE1503 | 2025-06-06 18:39 | 2025-06-17 12:28 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Mortgage documents provided. - Due Diligence Vendor-06/17/2025 <br> Ready for Review-Document Uploaded. - Seller-06/16/2025 <br> Counter-Missing Taxes & HOI for Newly closed loan located at xxx - Final CD reflects Not escrowed. - Due Diligence Vendor-06/13/2025 <br> Ready for Review-Document Uploaded. for xxx – Credit Supp - Mortgage Rating – xxx – Commercial Property.<br> xxx - – Loan closed xxx - CD attached, Note and Deed - Seller-06/11/2025 <br> Open-missing 2nd mortgage statement for xxx & xxx - Due Diligence Vendor-06/06/2025 | Ready for Review-Document Uploaded. - Seller-06/16/2025 <br> Ready for Review-Document Uploaded. for xxx. – Credit Supp - Mortgage Rating – xxx – Commercial Property.<br> xxx - – Loan closed 05-30-2025 - CD attached, Note and Deed - Seller-06/11/2025 | Resolved-Mortgage documents provided. - Due Diligence Vendor-06/17/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 69.42% 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 37.04 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 xxx 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 37.78% 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 0.1<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 - 34.00 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 34.43 Years |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14184869 |  | D A | N/A | N/A | Closed | FCRE7497 | 2025-06-06 18:41 | 2025-06-13 13:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Property report provided for xxx (Owner is xxx) & xxx is also a commercial Property - Due Diligence Vendor-06/13/2025 <br> Ready for Review-Document Uploaded. for xxx. – Credit Supp - Mortgage Rating – xxx – Commercial Property.<br> for xxx - attached Property Profile – the borrower is not the owner of this property. Commercial property and owned by xxx - Seller-06/11/2025 <br> Open-Missing hoi for xxx.<br> Business address xxx, does the borrower own this property - Due Diligence Vendor-06/06/2025 | Ready for Review-Document Uploaded. for xxx. – Credit Supp - Mortgage Rating – xxx – Commercial Property.<br> for xxx - attached Property Profile – the borrower is not the owner of this property. Commercial property and owned by xxx. - Seller-06/11/2025 | Resolved-Property report provided for xxx (Owner is xxx) & xxx is also a commercial Property - Due Diligence Vendor-06/13/2025 | Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 69.42% 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 37.04 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 xxx 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 37.78% 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 0.1<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 - 34.00 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 34.43 Years |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 15991990 | xxx | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 12741512 |  | D A | A | A | Closed | FCRE9549 | 2025-06-06 16:37 | 2025-06-18 08:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Credit Report Supplement is missing | Resolved-Account balance and proof of monthly payment provided. - Due Diligence Vendor-06/18/2025 <br> Ready for Review-Document Uploaded. - Seller-06/16/2025 <br> Open-Provide the monthly statement or documentation to verify the xxx account balance and payment. - Due Diligence Vendor-06/06/2025 | Ready for Review-Document Uploaded. - Seller-06/16/2025<br>| Resolved-Account balance and proof of monthly payment provided. - Due Diligence Vendor-06/18/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17.58 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.85 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.3 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 39.52% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 12741512 |  | D A | A | A | Closed | FCRE1316 | 2025-06-06 15:10 | 2025-06-11 14:35 | 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-06/11/2025 <br> Ready for Review-Document Uploaded. The attached printout was provided in the closed-loan package. It is dated xxx and states that our borrower, xxx is still CURRENT, xxx Active Duty. Please waive this condition. - Seller-06/10/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Provide the Verbal Verification of Employment completed prior to close. - Due Diligence Vendor-06/06/2025 | Ready for Review-Document Uploaded. The attached printout was provided in the closed-loan package. It is dated xxx and states that our borrower, xxx is still CURRENT, Navy Active Duty. Please waive this condition. - Seller-06/10/2025 | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-06/11/2025<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 0.17<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17.58 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.85 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.3 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 39.52% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 13306321 |  | D A | D | A | Closed | FVAL1310 | 2025-06-05 15:13 | 2025-06-19 15:35 | Resolved | 1 - Information D A | Property | Missing Doc | HOA Questionnaire is Missing or incomplete | Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-06/15/2025 <br> Ready for Review-Document Uploaded. Condo questionnaire attached - Seller-06/13/2025 <br> Open-HOA Questionnaire Document status is Missing. Provide Condo Questionnaire Document for Subject property as it was not provided at the time of review as required. - Due Diligence Vendor-06/05/2025 | Ready for Review-Document Uploaded. Condo questionnaire attached - Seller-06/13/2025<br>| Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-06/15/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 75.25% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 19.29% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 0.23<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 - 11.48 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.01 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 13306321 |  | D A | D | A | Closed | FCRE1173 | 2025-06-05 15:06 | 2025-06-15 14:00 | 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-06/15/2025 <br>Ready for Review-Document Uploaded. Condo master insurance uploaded - Seller-06/13/2025 <br>Open-Missing HO-6 Master Insurance Policy Provide Master Policy for the Subject Property showing required condo coverage. - Due Diligence Vendor-06/05/2025 | Ready for Review-Document Uploaded. Condo master insurance uploaded - Seller-06/13/2025<br>| Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-06/15/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 75.25% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 19.29% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 0.23<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 - 11.48 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.01 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 13306321 |  | D A | D | A | Closed | FCRE1180 | 2025-06-05 15:06 | 2025-06-15 14:00 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | HO-6 Insurance Policy is Missing | Resolved-HO-6 Insurance Policy is fully present - Due Diligence Vendor-06/15/2025 <br> Ready for Review-Document Uploaded. HOI attached - Seller-06/13/2025 <br> Open-HO-6 Insurance Policy is Missing Provide Insurance Document for the Subject Property showing no more than xxx per month as approved. - Due Diligence Vendor-06/05/2025 | Ready for Review-Document Uploaded. HOI attached - Seller-06/13/2025<br>| Resolved-HO-6 Insurance Policy is fully present - Due Diligence Vendor-06/15/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 75.25% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 19.29% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 0.23<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 - 11.48 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.01 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 13306321 |  | D A | D | A | Closed | FCRE1503 | 2025-06-11 10:04 | 2025-06-15 13:59 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Mortgage statement provided for xxx (escrowed) - Due Diligence Vendor-06/15/2025 <br> Ready for Review-Document Uploaded. Mortgage statement attached - Seller-06/13/2025 <br> Open-Provide mortgage statement for rental property located at xxx showing escrowed for a monthly payment of xxx. At the time of review no documentation was provided to evidence monthly payment on the credit report included escrows. - Due Diligence Vendor-06/11/2025 | Ready for Review-Document Uploaded. Mortgage statement attached - Seller-06/13/2025<br>| Resolved-Mortgage statement provided for xxx (escrowed) - Due Diligence Vendor-06/15/2025 | Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 75.25% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 19.29% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 0.23<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 - 11.48 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.01 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11530464 | xxx | C A B | C | A | Closed | FVAL2477 | 2025-06-06 16:58 | 2025-06-19 10:53 | Resolved | 1 - Information C A | Property | Appraisal | Appraisal incomplete (missing map, layout, pages, etc.) | Resolved-Updated appraisal provided - Due Diligence Vendor-06/19/2025 <br>Ready for Review-Document Uploaded. - Seller-06/17/2025 <br>Counter-Lenders 1008 reflects HOA fees iao $111.25 however they are not listed on the Appraisal. - Due Diligence Vendor-06/12/2025 <br>Ready for Review-Please confirm if appraisal showing HOA fees will do. Please advise there was anything else missing on the appraisal. - Seller-06/10/2025 <br>Open-Since Property Is PUD Property , Appraisal Is Not Showing The HOA Fees - Due Diligence Vendor-06/06/2025 | Ready for Review-Document Uploaded. - Seller-06/17/2025 <br>Ready for Review-Please confirm if appraisal showing HOA fees will do. Please advise there was anything else missing on the appraisal. - Seller-06/10/2025<br>| Resolved-Updated appraisal provided - Due Diligence Vendor-06/19/2025<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 - 16.00 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.39 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26.06 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.6% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.67 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11530464 | xxx | C A B | C | A | Closed | FCRE1182 | 2025-06-08 10:32 | 2025-06-12 17:21 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-06/12/2025 <br> Ready for Review-Document Uploaded. - Seller-06/10/2025 <br> Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-06/08/2025 | Ready for Review-Document Uploaded. - Seller-06/10/2025<br>| Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-06/12/2025<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 - 16.00 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.39 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26.06 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.6% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.67 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11232955 |  | D A | A | A | Closed | FCOM1262 | 2025-06-10 16:43 | 2025-06-12 15:08 | Resolved | 1 - Information D A | Compliance | Missing Doc - ROR | Right of Rescission is Missing | Resolved-Right of Rescission is Provided - Due Diligence Vendor-06/12/2025 <br> Ready for Review-Document Uploaded. - Seller-06/12/2025 <br> Open-Right of Rescission is Missing - Due Diligence Vendor-06/10/2025 | Ready for Review-Document Uploaded. - Seller-06/12/2025<br>| Resolved-Right of Rescission is Provided - Due Diligence Vendor-06/12/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 72.28% Is Below the Guideline Maximum Of 90% 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 - 5 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.77% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxx |
| 14835215 |  | C A | A | A | Closed | FCRE1294 | 2025-06-10 04:00 | 2025-06-17 12:26 | Resolved | 1 - Information C A | Credit | Income | Income 3 Months Income Verified is Missing | Resolved-Income 3 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-06/16/2025 <br> Ready for Review-Document Uploaded. The Work # VOE attached with the Income broken out – Shows Bonus, OT & Other. - Seller-06/13/2025 <br> Open-Income 3 Months Income Verified is Missing Missing the following income documents for xxx WVOE or year end paystubs showing overtime & bonus income broken out. - Due Diligence Vendor-06/10/2025 | Ready for Review-Document Uploaded. The Work # VOE attached with the Income broken out – Shows Bonus, OT & Other. - Seller-06/13/2025<br>| Resolved-Income 3 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-06/16/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.37 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 - 16.50 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | xxx |
| 14835215 |  | C A | A | A | Closed | FCRE1324 | 2025-06-12 15:25 | 2025-06-17 12:26 | Resolved | 1 - Information C A | Credit | Income | Borrower 1 Tax Returns Not Signed | Resolved-Borrower 1 Signed Tax Returns Resolved - Due Diligence Vendor-06/17/2025 <br> Ready for Review-Document Uploaded. - Seller-06/16/2025 <br> Open-Borrower 1 Tax Returns Not Signed xxx & xxx joint tax returns for B1 & B2 are not signed - Due Diligence Vendor-06/12/2025 | Ready for Review-Document Uploaded. - Seller-06/16/2025<br>| Resolved-Borrower 1 Signed Tax Returns Resolved - Due Diligence Vendor-06/17/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.37 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 - 16.50 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | xxx |
| 14835215 |  | C A | A | A | Closed | FCRE1307 | 2025-06-12 15:25 | 2025-06-17 12:26 | Resolved | 1 - Information C A | Credit | Income | Income 4 Income Trend is Decreasing | Resolved-Income 4 Income Trend is Resolved - Due Diligence Vendor-06/16/2025 <br> Ready for Review-Income for xxx is not decreasing – You have a P & L for xxx = xxx.<br> P & L through March xxx - xxx – This is not a full year only 3 mos. Not declining. - Seller-06/13/2025 <br> Open-Income 4 Income Trend is Decreasing xxx income is declining. Provide a letter of explanation - Due Diligence Vendor-06/12/2025 | Ready for Review-Income for xxx is not decreasing – You have a P & L for xxx = $xxx.<br> P & L through xxx - $xxx – This is not a full year only 3 mos. Not declining. - Seller-06/13/2025 | Resolved-Income 4 Income Trend is Resolved - Due Diligence Vendor-06/16/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.37 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 - 16.50 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | xxx |
| 14835215 |  | C A | A | A | Closed | FCRE1193 | 2025-06-12 15:52 | 2025-06-16 12:13 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 49.81% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-06/16/2025 <br> Ready for Review-B3 IS RETIRED USING xxx and GROSSING UP 115% AND SHE ALSO HAS MULTIPLE ANNUITY ACCOUNTS. ALL MONTHLY STATEMENTS IN FILE xxx - Seller-06/13/2025 <br> Open-Audited DTI of 50.64% exceeds Guideline DTI of 50% xxx income for B3 was updated, Now DTI is over 50% - Due Diligence Vendor-06/12/2025 | Ready for Review-B3 IS RETIRED USING SS xxx 1099 and GROSSING UP 115% AND SHE ALSO HAS MULTIPLE ANNUITY ACCOUNTS. ALL MONTHLY STATEMENTS IN xxx - Seller-06/13/2025 | Resolved-Audited DTI of 49.81% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-06/16/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.37 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 - 16.50 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | xxx |
| 14835215 |  | C A | A | A | Closed | finding-47 | 2025-06-10 16:50 | 2025-06-15 18:03 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-06/15/2025 <br> Ready for Review-Document Uploaded. - Seller-06/13/2025 <br> Open-\*\*\*\*\*\*\* Borrower executed documents on xxx . Please Provide Post Consummation Closing Disclosure funding after Rescission period. - Due Diligence Vendor-06/12/2025 | Ready for Review-Document Uploaded. - Seller-06/13/2025<br>| Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-06/15/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.37 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 - 16.50 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | xxx |
| 15256021 |  | D A | N/A | N/A | Closed | FCRE7497 | 2025-06-10 13:56 | 2025-06-18 07:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-REO Documents provided - Due Diligence Vendor-06/18/2025 <br> Ready for Review-Document Uploaded. Please use the xxx stmt for the HOA dues amount. We have sent it in the past & it was accepted.<br>2 Liens & for xxx <br> Missing Both Mortgage statements for xxx (Primary Residence) – 1st and 2nd mtg stmts attached. - Seller-06/16/2025 <br> Counter-Document Uploaded. per xxx search xxx lives in an HOA - Missing HOA statement confirming and Missing Both Mortgage statements for xxx (Primary Residence) 2 Liens & for xxx - Due Diligence Vendor-06/16/2025 <br> Ready for Review-Document Uploaded. - Seller-06/13/2025 <br> Open-For the following Property HOA is missing<br> xxx <br>Missing fill PITIA for xxx - Due Diligence Vendor-06/10/2025 | Ready for Review-Document Uploaded. Please use the xxx stmt for the HOA dues amount. We have sent it in the past & it was accepted.<br>2 Liens & for xxx<br> Missing Both Mortgage statements for xxx (Primary Residence) – 1st and 2nd mtg stmts attached. - Seller-06/16/2025 <br> Ready for Review-Document Uploaded. - Seller-06/13/2025 | Resolved-REO Documents provided - Due Diligence Vendor-06/18/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 22.36 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.15% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 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 - 22.36 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 75.23 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 49.08% Is Below the Guideline Maximum Of 60% 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 - 5.67 Years |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 16619544 | xxx | D A C | D | A | Closed | FPRO1242 | 2025-06-12 15:17 | 2025-06-18 14:13 | Resolved | 1 - Information D A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-AVM Provided - Due Diligence Vendor-06/18/2025 <br> Resolved-Appraisal has been provided - Due Diligence Vendor-06/18/2025 <br> Ready for Review-Document Uploaded. - Seller-06/17/2025 <br> Ready for Review-Please refer attached AVM from xxx with a confidence score of 95%. (this is acceptable AVM for xxx). - Seller-06/17/2025 <br> Ready for Review-Document Uploaded. As per product guideline if AVM is from xxx than Acceptable FSD Score is 0.00 to 0.13 so 88% confidence factor means FSD 0.12 which is in compliance with product guideline. - Seller-06/16/2025 <br> Counter-Document Uploaded. per Guidelines: When the AVM has less than 90% confidence factor (88) then a "Full Appraisal" is required. - Due Diligence Vendor-06/16/2025 <br> Ready for Review-Document Uploaded. - Seller-06/12/2025 <br> Open-AVM has an 88% confidence factor, per guidelines, Full appraisal required when AVM has less than 90% Confidence Factor. - Due Diligence Vendor-06/12/2025 | Ready for Review-Document Uploaded. - Seller-06/17/2025 <br> Ready for Review-Please refer attached AVM from xxx with a confidence score of 95%. (this is acceptable AVM for xxx). - Seller-06/17/2025 <br> Ready for Review-Document Uploaded. As per product guideline if AVM is from xxx than Acceptable FSD Score is 0.00 to 0.13 so 88% confidence factor means FSD 0.12 which is in compliance with product guideline. - Seller-06/16/2025 <br> Ready for Review-Document Uploaded. - Seller-06/12/2025 | Resolved-AVM Provided - Due Diligence Vendor-06/18/2025 <br>Resolved-Appraisal has been provided - Due Diligence Vendor-06/18/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 66.55% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.87% 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 16619544 | xxx | D A C | D | A | Closed | FCRE1159 | 2025-06-12 15:07 | 2025-06-15 14:02 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Hazard Insurance Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-06/15/2025 <br> Ready for Review-Document Uploaded. - Seller-06/13/2025 <br> Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx - Due Diligence Vendor-06/12/2025 | Ready for Review-Document Uploaded. - Seller-06/13/2025<br>| Resolved-Hazard Insurance Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-06/15/2025 | Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 66.55% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.87% 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 13344325 |  | D A | N/A | N/A | Closed | FCRE1193 | 2025-06-13 11:24 | 2025-07-16 10:06 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 49.69% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-07/16/2025 <br> Ready for Review-Document Uploaded. - Seller-07/15/2025 <br> Counter-Document Uploaded. Please see attached documents: Total Audited REO rent loss is xxx - Total Audited Debts xxx - Total Audited Income xxx and Total Monthly Liabilities xxx - Audited DTI now at 52.10% - Due Diligence Vendor-07/09/2025 <br> Ready for Review-Document Uploaded. - Seller-07/08/2025 <br> Counter-Further reviewed, using credit supplement removed 2 paid credit card balances. Updated rental income loss, xxx monthly rent x 75% - 1st mortgage P&I, new 2nd mortgage, property taxes nets to xxx compared to xxx seen on 1008. This causes DTI to exceed guidelines. (the rental income worksheet (page xxx) shows 5 month average of rental loss before new loan, since lease started xxx. Lender exception requested for exceeding lender guidelines. - Due Diligence Vendor-06/30/2025 <br> Resolved-Audited DTI of 38.31% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-06/30/2025 <br> Ready for Review- xxx needs to provide a breakdown of what they are looking at if they do not agree with our ratios. <br>Thank you,<br> --<br> xxx <br> xxx<br> - Seller-06/26/2025 <br> Counter-Missing Updated 1008 reflecting the Audited DTI ratios of 38.31% - Due Diligence Vendor-06/19/2025 <br> Ready for Review-Document Uploaded. - Seller-06/17/2025 <br> Open-QC: approximate DTI variation, xxx. Credit payment amounts used match credit report in file. No add'l expenses found. Brw lives rent-free. The 1008 provided lists, xxx for credit payments, we calculated xxx. Discrepancy audit 38.31% vs lender 49.69% - Due Diligence Vendor-06/13/2025 | Ready for Review-Document Uploaded. - Seller-07/15/2025 <br> Ready for Review-Document Uploaded. - Seller-07/08/2025 <br> Ready for Review-xxx needs to provide a breakdown of what they are looking at if they do not agree with our ratios. <br>Thank you,<br> --<br> xxx<br> - Seller-06/26/2025 <br> Ready for Review-Document Uploaded. - Seller-06/17/2025 | Resolved-Audited DTI of 49.69% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-07/16/2025 <br>Resolved-Audited DTI of 38.31% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-06/30/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.48 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 38.31% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.40 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 - 15.42 Years |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 13344325 |  | D A | N/A | N/A | Closed | FCRE1326 | 2025-06-12 16:59 | 2025-07-16 09:54 | 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-06/19/2025 <br> Ready for Review-Document Uploaded. - Seller-06/17/2025 <br> Open-Borrower 1 YTD Profit & Loss Missing The xxx year-to-date Profit and Loss statement for xxx was not provided. - Due Diligence Vendor-06/12/2025 | Ready for Review-Document Uploaded. - Seller-06/17/2025<br>| Resolved-Borrower 1 YTD Profit & Loss Resolved - Due Diligence Vendor-06/19/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.48 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 38.31% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.40 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 - 15.42 Years |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 16325717 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Home Improvement/Reno |  |  |  |
| 18455502 |  | C A | N/A | N/A | Closed | FCRE1344 | 2025-06-12 18:37 | 2025-06-17 12:43 | Resolved | 1 - Information C A | Credit | Income | Borrower 1 Business Bank Statements Less Than 12 Months Provided | Resolved-Bank statements provided. - Due Diligence Vendor-06/17/2025 <br>Ready for Review-Document Uploaded. - Seller-06/16/2025 <br>Open- - Due Diligence Vendor-06/12/2025 | Ready for Review-Document Uploaded. - Seller-06/16/2025<br>| Resolved-Bank statements provided. - Due Diligence Vendor-06/17/2025<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 - 8.82 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 63.88% 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 - 6.00 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.51% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 44.01 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months | xxx, xxx xxx, and xxx Bank Statements are Missing, please Provide | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 12694401 |  | C A | N/A | N/A | Closed | FCRE1193 | 2025-06-16 12:59 | 2025-06-17 13:45 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Increase in escrows account for Primary Residence. - Due Diligence Vendor-06/17/2025 <br> Ready for Review-Document Uploaded. Per UW the "Other" amount below is for: Difference in the mortgage payment – Impounds. Should be xxx<br>Corrected 1008 is attached. - Seller-06/16/2025 <br> Open-DTI variance of audit 41.13% vs lender 48.35% coming from other amount of xxx included in DTI, documentation to validate where other amount is coming from not found in the file.<br> - Due Diligence Vendor-06/16/2025 | Ready for Review-Document Uploaded. Per UW the "Other" amount below is for: Difference in the mortgage payment – Impounds. Should be $xxx<br>Corrected 1008 is attached. - Seller-06/16/2025 | Resolved-Increase in escrows account for Primary Residence. - Due Diligence Vendor-06/17/2025<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 - 10.17 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 8.76 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 41.13% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 17237631 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 13848915 |  | C A | N/A | N/A | Closed | FCRE5790 | 2025-06-14 13:29 | 2025-07-02 15:26 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-07/02/2025 <br>Ready for Review-Document Uploaded. - Seller-07/02/2025 <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Gap report greater than 10 days from close date - Due Diligence Vendor-06/14/2025 | Ready for Review-Document Uploaded. - Seller-07/02/2025<br>| Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-07/02/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 66.47% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.64% 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 9.03 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14489119 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 16995754 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 12227200 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 12586592 |  | D A | A | A | Closed | FCRE1316 | 2025-06-13 08:26 | 2025-06-17 13:51 | 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-06/17/2025 <br> Ready for Review-The printout from xxx in the closed-loan file dated xxx states our borrower is still serving, xxx Active Duty. - Seller-06/16/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing VOE is missing in file - Due Diligence Vendor-06/13/2025 | Ready for Review-The printout from xxx, page xxx in the closed-loan file dated xxx states our borrower is still serving, Army Active Duty. - Seller-06/16/2025 | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-06/17/2025<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 0.19<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 - 15.40 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 - 15.40 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.63% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 18356179 |  | C A | A | A | Closed | FCRE1159 | 2025-06-13 21:12 | 2025-06-17 13:53 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Hazard Insurance Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-06/17/2025 <br> Ready for Review-A copy of their current policy in effect from xxx - xxx was provided in the closed-loan file, page xxx. - Seller-06/16/2025 <br> Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx - Due Diligence Vendor-06/14/2025 | Ready for Review-A copy of their current policy in effect from xxx - xxx was provided in the closed-loan file, page xxx. - Seller-06/16/2025 | Resolved-Hazard Insurance Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-06/17/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.58 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 - 10.75 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 - 11.45 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 - 25.00 Years<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.73 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 12940047 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 11572903 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18857653 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 17158231 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 10178189 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 16916556 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 19522338 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |  |
| 12337354 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 16269685 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |  |
| 11479008 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 13815189 | xxx | D A | D | A | Closed | FVAL9739 | 2025-06-20 10:49 | 2025-06-24 12:40 | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-1004D with images showing water heater is double strapped - Due Diligence Vendor-06/24/2025 <br> Ready for Review-Document Uploaded. 1004d for water heater - Buyer-06/20/2025 <br> Open-Document Uploaded. - Due Diligence Vendor-06/20/2025 <br> Open-per xxx Section 507.2 requires that all water heaters shall be supported and strapped to prevent movement during an earthquake. Two metal straps, not less than 22 gauge, nor less than 5/8-inch wide shall be used. - Due Diligence Vendor-06/20/2025 |  | Resolved-1004D with images showing water heater is double strapped - Due Diligence Vendor-06/24/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 57.54 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.87 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 74.51% Is Below the Guideline Maximum Of 85% 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 - 18 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | xxx |
| 13815189 | xxx | D A | D | A | Closed | FPRO1242 | 2025-06-17 16:15 | 2025-06-20 10:50 | Resolved | 1 - Information D A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal has been provided - Due Diligence Vendor-06/20/2025 <br> Ready for Review-Document Uploaded. - Buyer-06/18/2025 <br> Open-Appraisal is Missing - Due Diligence Vendor-06/17/2025 |  | Resolved-Appraisal has been provided - Due Diligence Vendor-06/20/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 57.54 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.87 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 74.51% Is Below the Guideline Maximum Of 85% 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 - 18 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | xxx |
| 11755675 | xxx | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 11495135 |  | D A | D | A | Closed | FPRO1244 | 2025-06-18 09:42 | 2025-06-19 13:44 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-AVM Provided - Due Diligence Vendor-06/19/2025 <br> Ready for Review-Document Uploaded. - Seller-06/18/2025 <br> Open-Missing 3rd party valuation as required by guidelines. - Due Diligence Vendor-06/18/2025 | Ready for Review-Document Uploaded. - Seller-06/18/2025<br>| Resolved-AVM Provided - Due Diligence Vendor-06/19/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.76 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 18271926 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18281001 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 17593235 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 16987166 |  | D A | A | A | Closed | FCOM4227 | 2025-06-17 13:47 | 2025-06-19 07:33 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-FCD received, data entered, no additional compliance findings. - Due Diligence Vendor-06/19/2025 <br> Ready for Review-Document Uploaded. - Seller-06/18/2025 <br> Open-Missing Final Closing Disclosure - Due Diligence Vendor-06/17/2025 | Ready for Review-Document Uploaded. - Seller-06/18/2025<br>| Resolved-FCD received, data entered, no additional compliance findings. - Due Diligence Vendor-06/19/2025<br>| Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments. Twenty-Four (24) Months Housing History Reviewed With No Late Payments<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 - 14.01 Years. Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.01 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 - 14.02 Years. Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.02 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points. Qualifying FICO Of xxx 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 44.29% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More. Calculated DTI Of 44.29% 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 59.08% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More. Original CLTV Of 59.08% 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 16987166 |  | D A | A | A | Closed | FCOM1544 | 2025-06-16 19:14 | 2025-06-19 07:28 | Resolved | 1 - Information D A | Compliance | Missing Doc - CD | TRID: Missing Final Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-06/19/2025 <br> Ready for Review-Document Uploaded. - Seller-06/18/2025 <br> Open-TRID: Missing Final Closing Disclosure \*\*\*\* Borrower(s) executed Final Closing Disclosure, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-06/16/2025 | Ready for Review-Document Uploaded. - Seller-06/18/2025<br>| Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-06/19/2025<br>| Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments. Twenty-Four (24) Months Housing History Reviewed With No Late Payments<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 - 14.01 Years. Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.01 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 - 14.02 Years. Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.02 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points. Qualifying FICO Of xxx 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 44.29% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More. Calculated DTI Of 44.29% 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 59.08% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More. Original CLTV Of 59.08% 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 10076506 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 13216888 |  | C A | A | A | Closed | FCRE1193 | 2025-06-18 09:37 | 2025-06-23 12:51 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 49.45% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-06/23/2025 <br> Ready for Review-Document Uploaded. See the attached 1008 – with the additional comments explaining what "other" is for. - Seller-06/20/2025 <br> Counter-Document Uploaded. 1008 reflects a "Other" xxx for the Primary Residence PITIA, Missing Documentation supporting this amount. - Due Diligence Vendor-06/19/2025 <br> Ready for Review-Document Uploaded. See the attached 1008 that the UW used – we are using B1 and B2 income and the debt to income ratios are 47.8/48.6. - Seller-06/18/2025 <br> Open-DTI discrepancy due to lender not using B2 income (audit 31.57% vs lender 36.65%) - Due Diligence Vendor-06/18/2025 | Ready for Review-Document Uploaded. See the attached 1008 – with the additional comments explaining what "other" is for. - Seller-06/20/2025 <br>Ready for Review-Document Uploaded. See the attached 1008 that the UW used – we are using B1 and B2 income and the debt to income ratios are 47.8/48.6. - Seller-06/18/2025<br>| Resolved-Audited DTI of 49.45% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-06/23/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.58 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 59.27% 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 50.02 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 31.57% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14978021 |  | D A | A | A | Closed | FCRE7497 | 2025-06-19 08:05 | 2025-06-26 09:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-11000 Burin Ave no HOA - Due Diligence Vendor-06/26/2025 <br> Ready for Review-Document Uploaded. Rebut-11000 xxx is an SFR and doesn't have an HOA. - Buyer-06/24/2025 <br> Open-1. the property - xxx HOA document is missing. - Due Diligence Vendor-06/19/2025 |  | Resolved-xxx no HOA - Due Diligence Vendor-06/26/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.14 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 14.14 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 43.21% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 43.21% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 18327443 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 11931548 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 13239946 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 15779399 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18195928 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 10504596 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18750923 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18231623 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 18592738 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 10678260 |  | C A | A | A | Closed | finding-3408 | 2025-06-18 19:27 | 2025-07-01 12:43 | Resolved | 1 - Information C A | Compliance | Points & Fees | High-Cost Mortgage Late Fee Test | Resolved-\*\*\*Received explanation and supporting documentation - Due Diligence Vendor-07/01/2025 <br> Ready for Review-Document Uploaded. - Seller-07/01/2025 <br> Open-\*\*\*\*\*\*\* Validated High Cost Threshold violation. Loan Data xxx Comparison Data xxx Variance xxx. Documentation provided indicated Lender excluded xxx of the Lender Affiliate Title Policy Charge. No documentation to support this excluded amount was a "pass thru" fee to a third party has been provided. - Due Diligence Vendor-06/19/2025 <br> Open-This loan failed the high-cost mortgage late charges test for one of the following reasons: (12 CFR §1026.34(a)(8)(i))The loan provides for a late payment fee in excess of 4% of the amount of the payment past due; orA value for the late charges amount was not provided.Any late payment charge imposed in connection with a high-cost mortgage must be specifically permitted by the terms of the loan contract or open-end credit agreement and may not exceed 4 percent of the amount of the payment past due. No such charge may be imposed more than once for a single late payment. - Due Diligence Vendor-06/18/2025 | Ready for Review-Document Uploaded. - Seller-07/01/2025<br>| Resolved-\*\*\*Received explanation and supporting documentation - Due Diligence Vendor-07/01/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 63.28% 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 - 23.16 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 - 23.16 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 10678260 |  | C A | A | A | Closed | finding-3393 | 2025-06-18 19:27 | 2025-07-01 12:43 | Resolved | 1 - Information C A | Compliance | Points & Fees | High-Cost Mortgage Points and Fees Threshold Test | Resolved-\*\*\*Received explanation and supporting documentation - Due Diligence Vendor-07/01/2025 <br> Ready for Review-Document Uploaded. - Seller-07/01/2025 <br> Open-\*\*\*\*\*\*\* Validated High Cost Threshold violation. Loan Data xxx Comparison Data xxx Variance xxx. Documentation provided indicated Lender excluded xxx of the Lender Affiliate Title Policy Charge. No documentation to support this excluded amount was a "pass thru" fee to a third party has been provided. - Due Diligence Vendor-06/19/2025 <br> Open-This loan failed the high-cost mortgage points and fees threshold test due to one of the following findings: (12 CFR §1026.32(a)(1)(ii)(A), (B))The loan amount is xxx or more, and the transaction's total points and fees is xxx, which exceeds 5 percent of the total loan amount of xxx; orThe loan amount is less than xxx and the transaction's total points and fees is xxx, which exceeds the lesser of 8 percent of the total loan amount of xxx or xxx. - Due Diligence Vendor-06/18/2025 | Ready for Review-Document Uploaded. - Seller-07/01/2025<br>| Resolved-\*\*\*Received explanation and supporting documentation - Due Diligence Vendor-07/01/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 63.28% 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 - 23.16 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 - 23.16 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 10678260 |  | C A | A | A | Closed | finding-3399 | 2025-06-18 19:27 | 2025-07-01 12:43 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | High-Cost Mortgage Timing of Disclosure Test | Resolved-\*\*\*Received explanation and supporting documentation - Due Diligence Vendor-07/01/2025 <br> Ready for Review-Document Uploaded. - Seller-07/01/2025 <br> Open-\*\*\*\*\*\*\* Validated High Cost Threshold violation. Loan Data xxx Comparison Data xxx Variance xxx. Documentation provided indicated Lender excluded xxx of the Lender Affiliate Title Policy Charge. No documentation to support this excluded amount was a "pass thru" fee to a third party has been provided. - Due Diligence Vendor-06/19/2025 <br> Open-This loan failed the high-cost mortgage timing of disclosure test due to one of the following findings: (12 CFR §1026.31(c))The High-Cost Mortgage Disclosure Date indicates the creditor did not furnish the disclosure required by 12 CFR §1026.32 at least three business days prior to the consummation or account opening of a high-cost mortgage; orThe High-Cost Mortgage Disclosure Date was not provided; orNeither the consummation date nor the closing date was provided. - Due Diligence Vendor-06/18/2025 | Ready for Review-Document Uploaded. - Seller-07/01/2025<br>| Resolved-\*\*\*Received explanation and supporting documentation - Due Diligence Vendor-07/01/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 63.28% 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 - 23.16 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 - 23.16 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 10678260 |  | C A | A | A | Closed | finding-3406 | 2025-06-18 19:27 | 2025-07-01 12:43 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | High-Cost Mortgage Pre-Loan Counseling Date Test | Resolved-\*\*\*Received explanation and supporting documentation - Due Diligence Vendor-07/01/2025 <br> Ready for Review-Document Uploaded. - Seller-07/01/2025 <br> Open-\*\*\*\*\*\*\* Validated High Cost Threshold violation. Loan Data xxx Comparison Data xxx Variance xxx. Documentation provided indicated Lender excluded xxx of the Lender Affiliate Title Policy Charge. No documentation to support this excluded amount was a "pass thru" fee to a third party has been provided. - Due Diligence Vendor-06/19/2025 <br> Open-This loan failed the high-cost mortgage pre-loan counseling date test due to one of the following findings: (12 CFR §1026.34(a)(5)(i), (ii))The loan is a 2010 RESPA loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received either the good faith estimate or the disclosures required by 12 CFR §1026.40; orThe loan is a xxx TRID loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received either the initial loan estimate or the disclosures required by 12 CFR §1026.40; orThe loan is a chattel loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received the disclosures required by 12 CFR §1026.32; orThe High-Cost Mortgage Pre-Loan Counseling Date was not provided; orThe High-Cost Mortgage Pre-Loan Counseling Date is on or after the closing date or estimated closing date.Certification of counseling required. A creditor shall not extend a high-cost mortgage to a consumer unless the creditor receives written certification that the consumer has obtained counseling on the advisability of the mortgage from a counselor that is approved to provide such counseling by the Secretary of the U.S. Department of Housing and Urban Development or, if permitted by the Secretary, by a State housing finance authority.(ii) Timing of counseling. The counseling required under this paragraph (a)(5) must occur after:(A) The consumer receives either the disclosure required by section 5(c) of the Real Estate Settlement Procedures Act of 1974 (12 U.S.C. 2604(c)) or the disclosures required by §1026.40; or(B) The consumer receives the disclosures required by §1026.32(c), for transactions in which neither of the disclosures listed in (A) are provided. - Due Diligence Vendor-06/18/2025 | Ready for Review-Document Uploaded. - Seller-07/01/2025<br>| Resolved-\*\*\*Received explanation and supporting documentation - Due Diligence Vendor-07/01/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 63.28% 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 - 23.16 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 - 23.16 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 10384925 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno |  |  |  |
| 16562216 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 12302093 |  | D A | A | A | Closed | FCRE7497 | 2025-06-18 08:01 | 2025-06-23 10:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Final CD provided for xxx (escrowed) - Due Diligence Vendor-06/23/2025 <br> Ready for Review-Document Uploaded. - Seller-06/19/2025 <br> Open-Missing proof of property cost for primary primary property at xxx as stated on FInal 1003 xxx - Due Diligence Vendor-06/18/2025 | Ready for Review-Document Uploaded. - Seller-06/19/2025<br>| Resolved-Final CD provided for xxx (escrowed) - Due Diligence Vendor-06/23/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.96% 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 45 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.01 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 10976841 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 15241669 | xxx | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 14049057 |  | D A | N/A | N/A | Closed | FCRE1157 | 2025-06-20 13:12 | 2025-06-24 13:54 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-06/24/2025 <br> Ready for Review-Document Uploaded. - Seller-06/23/2025 <br> Open-Missing Hazard Insurance Policy - Due Diligence Vendor-06/20/2025 | Ready for Review-Document Uploaded. - Seller-06/23/2025<br>| Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-06/24/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.36% 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 16.07 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.06 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11081072 |  | D A | A | A | Closed | FCRE1158 | 2025-06-20 11:39 | 2025-06-30 10:53 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-06/30/2025 <br> Ready for Review-Document Uploaded. - Seller-06/26/2025 <br> Counter-Please refer to Lender Guidelines to determine the rent loss requirement. - Due Diligence Vendor-06/26/2025 <br> Ready for Review-How many months/how much rental loss is req? - Seller-06/24/2025 <br> Counter-Subject Loan is an Investment and the HOI Policy does not reflect the "Rental loss" on insurance policy. - Due Diligence Vendor-06/24/2025 <br> Ready for Review-Document Uploaded. - Seller-06/21/2025 <br> Open- Hazard Insurance Policy Partially Provided - Document is incomplete or missing required policy information. Rental loss not included on insurance policy. - Due Diligence Vendor-06/20/2025 | Ready for Review-Document Uploaded. - Seller-06/26/2025 <br>Ready for Review-How many months/how much rental loss is req? - Seller-06/24/2025 <br>Ready for Review-Document Uploaded. - Seller-06/21/2025<br>| Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-06/30/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 45 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 52.78% 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 52.5 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14909275 |  | D A | N/A | N/A | Closed | FCRE7805 | 2025-06-20 09:54 | 2025-06-23 12:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Income - Bank Statements | Resolved- xxx bank statements provided. - Due Diligence Vendor-06/23/2025 <br> Ready for Review-Document Uploaded. - Seller-06/20/2025 <br> Open-The loan file does not contain xxx account statements from xxx. - Due Diligence Vendor-06/20/2025 | Ready for Review-Document Uploaded. - Seller-06/20/2025<br>| Resolved-xxx & xxx xxx bank statements provided. - Due Diligence Vendor-06/23/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.42 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.1 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 - 20.67 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 - 20.68 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14909275 |  | D A | N/A | N/A | Closed | FCRE1160 | 2025-06-20 09:04 | 2025-06-23 12:25 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Expiration Date is before the Note Date | Resolved-Hazard Insurance Expiration Date of xxx is after the Note Date of xxx Or Hazard Insurance Expiration Date Is Not Provided - Due Diligence Vendor-06/23/2025 <br> Ready for Review-Document Uploaded. - Seller-06/20/2025 <br> Open-Hazard Insurance Expiration Date of xxx is prior to or equal to the Note Date of xxx Provide the Homeowners Insurance Renewal Policy for the subject property. - Due Diligence Vendor-06/20/2025 | Ready for Review-Document Uploaded. - Seller-06/20/2025<br>| Resolved-Hazard Insurance Expiration Date of xxx is after the Note Date of xxx Or Hazard Insurance Expiration Date Is Not Provided - Due Diligence Vendor-06/23/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.42 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.1 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 - 20.67 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 - 20.68 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 19986076 |  | D A | N/A | N/A | Closed | FCRE1764 | 2025-06-23 13:20 | 2025-06-27 13:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Verification of Mortgage | Resolved-Primary residence Loan has not closed yet, Lender used Est PITIA - Due Diligence Vendor-06/27/2025 <br> Ready for Review-Document Uploaded. Please see attached. Used the estimated payment from the CD for the purchase of the new primary residence to qualify. Loan hadn't closed yet, so no PITIA documents to provide. - Buyer-06/26/2025 <br> Open-Missing PITIA statement(s) for primary res purchase<br> - Due Diligence Vendor-06/23/2025 |  | Resolved-Primary residence Loan has not closed yet, Lender used Est PITIA - Due Diligence Vendor-06/27/2025<br>|  |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 19986076 |  | D A | N/A | N/A | Closed | FCRE1316 | 2025-06-23 13:18 | 2025-06-27 13:38 | 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-06/27/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-06/26/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-06/23/2025 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-06/27/2025<br>|  |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 19986076 |  | D A | N/A | N/A | Closed | FCRE1347 | 2025-06-23 13:18 | 2025-06-27 13:38 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-06/27/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-06/26/2025 <br> Open-Borrower 2 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-06/23/2025 |  | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-06/27/2025<br>|  |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 19986076 |  | D A | N/A | N/A | Closed | FCOM1206 | 2025-06-20 03:12 | 2025-06-25 17:21 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Note is Missing | Resolved-The Note is Present - Due Diligence Vendor-06/25/2025 <br> Ready for Review-Document Uploaded. see attached - Seller-06/24/2025 <br> Open-The Note is Missing - Due Diligence Vendor-06/20/2025 | Ready for Review-Document Uploaded. see attached - Seller-06/24/2025<br>| Resolved-The Note is Present - Due Diligence Vendor-06/25/2025<br>|  |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 12154897 |  | C A | N/A | N/A | Closed | FCRE1371 | 2025-06-20 11:58 | 2025-07-01 15:40 | Resolved | 1 - Information C A | Credit | Income | Borrower 2 Personal Bank Statements Less Than 12 Months Provided | Resolved-Using prior 12 months bank statements produced a lower monthly income of xxx but still within guidelines and DTI > 41% - Due Diligence Vendor-07/01/2025 <br> Ready for Review-Document Uploaded. - Seller-06/30/2025 <br> Counter-Possible duplication exception but still missing B2 bank statements for xxx - Due Diligence Vendor-06/30/2025 <br> Ready for Review-Document Uploaded. - Seller-06/26/2025 <br> Open-Borrower 2 Personal Bank Statements Less Than 12 Months Provided - Due Diligence Vendor-06/20/2025 | Ready for Review-Document Uploaded. - Seller-06/30/2025 <br>Ready for Review-Document Uploaded. - Seller-06/26/2025<br>| Resolved-Using prior 12 months bank statements produced a lower monthly income of $xxx but still within guidelines and DTI > 41% - Due Diligence Vendor-07/01/2025 |  |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 12154897 |  | C A | N/A | N/A | Closed | FCRE1437 | 2025-06-20 16:30 | 2025-07-01 15:40 | Resolved | 1 - Information C A | Credit | Income | Income and Employment Do Not Meet Guidelines | Resolved-Using prior 12 months bank statements produced a lower monthly income of xxx but still within guidelines and DTI > 41% - Due Diligence Vendor-07/01/2025 <br> Ready for Review-Document Uploaded. - Seller-06/30/2025 <br> Counter-Possible duplication exception but still missing B2 bank statements for xxx - Due Diligence Vendor-06/30/2025 <br> Ready for Review-Appears to be 12 month bank statement program. Still missing xxx bank statements for xxx. - Due Diligence Vendor-06/30/2025 <br> Ready for Review-Document Uploaded. - Seller-06/26/2025 <br> Open-Income and Employment Do Not Meet Guidelines Employment Income: income worksheet- using bank statements to qualify for B2 only. UW used ending balances on worksheet vs total deposits. <br> Lender worksheet page xxx shows B2 income at xxx Have B2 business bank statements for xxx. Missing Bank statements xxx and xxx to complete B2 income worksheet and validate income. <br> B1s business bank statements in file but both business do not intertwine. B1's income was not being used. - Due Diligence Vendor-06/20/2025 | Ready for Review-Document Uploaded. - Seller-06/30/2025 <br>Ready for Review-Document Uploaded. - Seller-06/26/2025<br>| Resolved-Using prior 12 months bank statements produced a lower monthly income of $xxx but still within guidelines and DTI > 41% - Due Diligence Vendor-07/01/2025 |  |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 10866364 | xxx | D A | A | A | Closed | FCRE1195 | 2025-06-20 13:18 | 2025-06-24 12:43 | Resolved | 1 - Information C A | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Resolved-Audited CLTV of 84.91% is less than or equal to Guideline CLTV of 85% - Due Diligence Vendor-06/24/2025 <br> Ready for Review-Document Uploaded. please see credit supp CLTV is 84.921 - Buyer-06/20/2025 <br> Open-Audited CLTV of 85.04% exceeds Guideline CLTV of 85% Missing exception to CLTV of 85.04% with max CLTV of 85%. - Due Diligence Vendor-06/20/2025 |  | Resolved-Audited CLTV of 84.91% is less than or equal to Guideline CLTV of 85% - Due Diligence Vendor-06/24/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.6% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.62 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 |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 10866364 | xxx | D A | A | A | Closed | FCRE1196 | 2025-06-20 13:18 | 2025-06-24 12:43 | Resolved | 1 - Information C A | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Resolved-Audited HCLTV of 84.91% is less than or equal to Guideline HCLTV of 85% - Due Diligence Vendor-06/24/2025 <br> Ready for Review-Document Uploaded. credit supp cltv 84.921 - Seller-06/20/2025 <br> Open-Audited HCLTV of 85.04% exceeds Guideline HCLTV of 85% Missing exception to CLTV of 85.04% with max CLTV of 85%. - Due Diligence Vendor-06/20/2025 | Ready for Review-Document Uploaded. credit supp cltv 84.921 - Seller-06/20/2025 | Resolved-Audited HCLTV of 84.91% is less than or equal to Guideline HCLTV of 85% - Due Diligence Vendor-06/24/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.6% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.62 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 |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 10866364 | xxx | D A | A | A | Closed | FCRE1325 | 2025-06-20 12:25 | 2025-06-24 12:41 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-06/24/2025 <br> Ready for Review-Document Uploaded. all entity docs uploaded - Buyer-06/20/2025 <br> Open-Borrower 1 CPA Letter Missing Missing CPA letter confirming ownership interest. - Due Diligence Vendor-06/20/2025 |  | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-06/24/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.6% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.62 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 |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 10866364 | xxx | D A | A | A | Closed | FCOM1208 | 2025-06-19 10:12 | 2025-06-24 11:31 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Note is Incomplete | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-06/24/2025 <br> Ready for Review-Document Uploaded. all pages of the note - Buyer-06/20/2025 <br> Open-The Note is Incomplete Missing page 2 of Note to include Borrower signature. - Due Diligence Vendor-06/19/2025 |  | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-06/24/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.6% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.62 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 |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11609150 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 19910559 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 10758404 |  | C A | N/A | N/A | Closed | finding-47 | 2025-06-20 11:07 | 2025-06-25 12:13 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Curative PCCD received, consequential finding resolved. - Due Diligence Vendor-06/25/2025 <br> Resolved- - Due Diligence Vendor-06/25/2025 <br> Ready for Review-Document Uploaded. - Seller-06/24/2025 <br> Open-\*\*\*\*\*\*\* Borrower executed documents on xxx. Please Provide Post Consummation Closing Disclosure funding after Rescission period. - Due Diligence Vendor-06/20/2025 <br> Open- - Due Diligence Vendor-06/20/2025 <br> Open- - Due Diligence Vendor-06/20/2025 <br> Open- - Due Diligence Vendor-06/20/2025 <br> Open- - Due Diligence Vendor-06/20/2025 | Ready for Review-Document Uploaded. - Seller-06/24/2025<br>| Resolved-Curative PCCD received, consequential finding resolved. - Due Diligence Vendor-06/25/2025 <br>Resolved- - Due Diligence Vendor-06/25/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.83 Years Borrower At Current Residence For Five (5) Or More Years - 5.83 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 64.06% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More Original CLTV Of 64.06% 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 9.14 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 9.14 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 - 30.08 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30.08 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 6.32% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 6.32% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.27 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.27 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 16433253 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 14351198 |  | D A | A | A | Closed | FCOM8844 | 2025-06-20 06:01 | 2025-06-24 16:15 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Evidence of Business Purpose use of Proceeds | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-06/24/2025 <br> Ready for Review-Document Uploaded. Please see attached. should have been with the initial upload - Buyer-06/24/2025 <br> Open-Business Purpose Disclosure stating how funds will be used or letter from borrower regarding the use of funds is missing. - Due Diligence Vendor-06/20/2025 |  | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-06/24/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1<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> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 38.89 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 8.99% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxx |
| 16809433 |  | C A | A | A | Closed | FCRE1167 | 2025-06-23 09:29 | 2025-06-26 11:52 | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-06/26/2025 <br> Ready for Review-Document Uploaded. - Seller-06/24/2025 <br> Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxx is less than the minimum required coverage amount of xxx - Due Diligence Vendor-06/23/2025 | Ready for Review-Document Uploaded. - Seller-06/24/2025<br>| Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-06/26/2025<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 - 20.50 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.50 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 - 14.37 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.37 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 48.63 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 48.63 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 42.6% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 42.6% 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 - 14.41 Years Borrower At Current Residence For Five (5) Or More Years - 14.41 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 61.94% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More Original CLTV Of 61.94% 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 16809433 |  | C A | A | A | Closed | finding-3634 | 2025-06-20 15:59 | 2025-06-23 13:25 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved- - Due Diligence Vendor-06/23/2025 <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 xxx.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). \*\*\*\*\*\*Tranfer Tax was added on the FCD without a COC disclosure\*\*\*\*\*\* - Due Diligence Vendor-06/23/2025 <br> Open- - Due Diligence Vendor-06/23/2025 <br> Open- - Due Diligence Vendor-06/23/2025 <br> Open- - Due Diligence Vendor-06/23/2025 <br> Open- - Due Diligence Vendor-06/20/2025 <br> Open- - Due Diligence Vendor-06/20/2025 |  |  | 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 - 20.50 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.50 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 - 14.37 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.37 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 48.63 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 48.63 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 42.6% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 42.6% 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 - 14.41 Years Borrower At Current Residence For Five (5) Or More Years - 14.41 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 61.94% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More Original CLTV Of 61.94% 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 16809433 |  | C A | A | A | Closed | finding-3631 | 2025-06-20 15:59 | 2025-06-23 13:25 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved- - Due Diligence Vendor-06/23/2025 <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. \*\*\*\*\*\*Tranfer Tax was added on the FCD without a COC disclosure\*\*\*\*\*\* - Due Diligence Vendor-06/23/2025 <br> Open- - Due Diligence Vendor-06/23/2025 <br> Open- - Due Diligence Vendor-06/23/2025 <br> Open- - Due Diligence Vendor-06/23/2025 <br> Open- - Due Diligence Vendor-06/20/2025 <br> Open- - Due Diligence Vendor-06/20/2025 |  |  | 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 - 20.50 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.50 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 - 14.37 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.37 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 48.63 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 48.63 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 42.6% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 42.6% 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 - 14.41 Years Borrower At Current Residence For Five (5) Or More Years - 14.41 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 61.94% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More Original CLTV Of 61.94% 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 16809433 |  | C A | A | A | Closed | finding-3632 | 2025-06-20 15:59 | 2025-06-23 13:25 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved- - Due Diligence Vendor-06/23/2025 <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. \*\*\*\*\*\*Tranfer Tax was added on the FCD without a COC disclosure\*\*\*\*\*\* - Due Diligence Vendor-06/23/2025 <br> Open- - Due Diligence Vendor-06/23/2025 <br> Open- - Due Diligence Vendor-06/23/2025 <br> Open- - Due Diligence Vendor-06/23/2025 <br> Open- - Due Diligence Vendor-06/20/2025 <br> Open- - Due Diligence Vendor-06/20/2025 |  |  | 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 - 20.50 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.50 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 - 14.37 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.37 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 48.63 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 48.63 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 42.6% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 42.6% 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 - 14.41 Years Borrower At Current Residence For Five (5) Or More Years - 14.41 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 61.94% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More Original CLTV Of 61.94% 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 18185116 | xxx | D A | A | A | Closed | FCRE5790 | 2025-06-20 14:09 | 2025-07-02 07:05 | 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-07/02/2025 <br> Ready for Review-Document Uploaded. - Seller-06/30/2025 <br> Counter-Document Uploaded. Per Guidelines: The gap credit report, soft-pull or final report for the undisclosed debt monitoring is to be dated within 15 days of the Note date. GAP report in file is dated xxx & Note is dated xxx (28 days) - Due Diligence Vendor-06/26/2025 <br> Ready for Review-Document Uploaded. - Seller-06/24/2025 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-06/20/2025 | Ready for Review-Document Uploaded. - Seller-06/30/2025 <br>Ready for Review-Document Uploaded. - Seller-06/24/2025<br>| Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-07/02/2025<br>| Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.16 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 - 15.00 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.25 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 7.16 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxx |
| 18185116 | xxx | D A | A | A | Closed | FCRE5791 | 2025-06-20 14:09 | 2025-07-02 07:05 | 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-07/02/2025 <br> Ready for Review-Document Uploaded. - Seller-06/30/2025 <br> Counter-Document Uploaded. Per Guidelines: The gap credit report, soft-pull or final report for the undisclosed debt monitoring is to be dated within 15 days of the Note date. GAP report in file is dated xxx & Note is dated xxx (28 days) - Due Diligence Vendor-06/26/2025 <br> Ready for Review-Document Uploaded. - Seller-06/24/2025 <br> Open-Borrower 2 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-06/20/2025 | Ready for Review-Document Uploaded. - Seller-06/30/2025 <br>Ready for Review-Document Uploaded. - Seller-06/24/2025<br>| Resolved-Borrower 2 Gap Credit Report is not expired. - Due Diligence Vendor-07/02/2025<br>| Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.16 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 - 15.00 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.25 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 7.16 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxx |
| 18185116 | xxx | D A | A | A | Closed | FCRE2109 | 2025-06-20 16:34 | 2025-06-27 11:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-06/27/2025 <br> Ready for Review-Document Uploaded. - Seller-06/26/2025 <br> Counter-Missing Bwr1 "12 month Business bank statement worksheet" showing the Lenders breakdown of Deposits and Excluded deposits used for Income calculations. - Due Diligence Vendor-06/26/2025 <br> Ready for Review-Document Uploaded. - Seller-06/24/2025 <br> Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-06/20/2025 | Ready for Review-Document Uploaded. - Seller-06/26/2025 <br>Ready for Review-Document Uploaded. - Seller-06/24/2025<br>| Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-06/27/2025<br>| Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.16 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 - 15.00 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.25 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 7.16 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxx |
| 16769184 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 16184991 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno |  |  |  |
| 17494903 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 11597689 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 12277914 |  | D A | A | A | Closed | FCRE1155 | 2025-06-20 16:31 | 2025-06-24 13:29 | Resolved | 1 - Information C A | Credit | Insurance | Subject Property Address on Note does not match Insured Property Address | Resolved-Subject Property on Note matches Insured Property Address - Due Diligence Vendor-06/24/2025 <br> Ready for Review-Document Uploaded. Please reference FURTHER down on the Homeowner Policy Dec page where is states "Described location: the residence premises covered is located at the above address, UNLESS otherwise stated HEREIN: xxx - Seller-06/23/2025 <br> Open-Subject Property on Note does not match Insured Property Address City on hoi is incorrect, city should be xxx - Due Diligence Vendor-06/20/2025 | Ready for Review-Document Uploaded. Please reference FURTHER down on the Homeowner Policy Dec page where is states "Described location: the residence premises covered is located at the above address, UNLESS otherwise stated HEREIN: xxx - Seller-06/23/2025 | Resolved-Subject Property on Note matches Insured Property Address - Due Diligence Vendor-06/24/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.35% 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 - 12.66 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 78.98% 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 23.64 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 - 25.00 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.81 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 |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 12277914 |  | D A | A | A | Closed | FCRE5782 | 2025-06-20 07:25 | 2025-06-24 13:26 | 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-06/24/2025 <br> Ready for Review-The PreClose credit report can be located on page xxx in the closed-loan package. - Seller-06/23/2025 <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-06/20/2025 | Ready for Review-The PreClose credit report can be located on page xxx in the closed-loan package. - Seller-06/23/2025 | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-06/24/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.35% 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 - 12.66 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 78.98% 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 23.64 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 - 25.00 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.81 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 |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11577327 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 13594640 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 13342955 |  | D A | N/A | N/A | Closed | FCRE1157 | 2025-06-20 15:37 | 2025-06-26 08:44 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-06/26/2025 <br> Ready for Review-Document Uploaded. - Seller-06/24/2025 <br> Open-Missing Hazard Insurance Policy - Due Diligence Vendor-06/20/2025 | Ready for Review-Document Uploaded. - Seller-06/24/2025<br>| Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-06/26/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 32.88 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 27.54% 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 - 6.47 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 13342955 |  | D A | N/A | N/A | Closed | FCRE1764 | 2025-06-23 07:59 | 2025-06-26 08:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Verification of Mortgage | Resolved- - Due Diligence Vendor-06/26/2025 <br> Ready for Review-Document Uploaded. - Seller-06/24/2025 <br> Open-Missing VOM or mortgage statement for 1st mortgage on subject property. - Due Diligence Vendor-06/23/2025 | Ready for Review-Document Uploaded. - Seller-06/24/2025<br>|  | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 32.88 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 27.54% 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 - 6.47 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 13342955 |  | D A | N/A | N/A | Closed | FCRE5770 | 2025-06-20 15:38 | 2025-06-26 08:42 | 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-06/26/2025 <br> Ready for Review-Document Uploaded. - Seller-06/24/2025 <br> Open-Borrower 1 Credit Report is Missing. - Due Diligence Vendor-06/20/2025 | Ready for Review-Document Uploaded. - Seller-06/24/2025<br>| Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-06/26/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 32.88 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 27.54% 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 - 6.47 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 13342955 |  | D A | N/A | N/A | Closed | FCRE5782 | 2025-06-23 07:44 | 2025-06-26 08:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-06/26/2025 <br> Ready for Review-As per UW guide if credit report is valid till closing Gap credit is not required.<br>Credit report date xxx = Expiration date 06/19/2025 <br>(Credit report is valid till xxx)<br>- Seller-06/25/2025 <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-06/23/2025 | Ready for Review-As per UW guide if credit report is valid till closing Gap credit is not required.<br>Credit report date xxx + 30 = Expiration date xxx <br>(Credit report is valid till xxx)<br>- Seller-06/25/2025 | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-06/26/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 32.88 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 27.54% 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 - 6.47 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 17464497 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 15609436 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 15209155 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 12911272 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 16889364 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |  |
| 10854999 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 17620988 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 16879590 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |  |
| 12906682 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18994403 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 13501851 |  | C A | N/A | N/A | Closed | finding-47 | 2025-06-24 00:35 | 2025-06-26 07:05 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-06/26/2025 <br> Ready for Review-Document Uploaded. - Seller-06/25/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. \*\*\*The Final CD shows a funding date of xxx - which is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date. - Due Diligence Vendor-06/24/2025 <br> Open- - Due Diligence Vendor-06/24/2025 <br> Open- - Due Diligence Vendor-06/24/2025 | Ready for Review-Document Uploaded. - Seller-06/25/2025<br>| Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-06/26/2025<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 - 10.46 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.46 Years<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> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.16% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.46 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 69.71% 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 xxx 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 17157441 | xxx | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 12238385 | xxx | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 15467566 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 13979881 |  | D A | A | A | Closed | FCRE1503 | 2025-06-26 10:09 | 2025-06-30 08:02 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Lender provided mortgage statement that was not found in original submission. - Due Diligence Vendor-06/30/2025 <br> Ready for Review-Document Uploaded. see attached, should have been in the initial package - Buyer-06/26/2025 <br> Open-Provide the current xxx Mortgage statement for the subject property's first lien. - Due Diligence Vendor-06/26/2025 |  | Resolved-Lender provided mortgage statement that was not found in original submission. - Due Diligence Vendor-06/30/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 59.73% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.42% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 18.78 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 45.16 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 18.78 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18.67 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 |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11929093 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 18056466 |  | D A | N/A | N/A | Closed | FCRE1316 | 2025-06-24 07:31 | 2025-07-01 14:10 | 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-07/01/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-06/30/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing. - Due Diligence Vendor-06/24/2025 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-07/01/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.59 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 68.53% 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 - 12 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 - 30 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 46.11 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 32.49% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 19767006 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 10017393 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 11359644 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 17810787 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 15903693 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 13635780 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 11616953 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 19584360 | xxx | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Debt Consolidation |  |  |  |
| 18663924 |  | D A | N/A | N/A | Closed | FCRE1503 | 2025-06-25 08:41 | 2025-06-30 12:00 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Lender provided - Due Diligence Vendor-06/30/2025 <br> Ready for Review-Document Uploaded. - Seller-06/26/2025 <br> Open-Mtg is missing for " xxx " - Due Diligence Vendor-06/25/2025 | Ready for Review-Document Uploaded. - Seller-06/26/2025<br>| Resolved-Lender provided - Due Diligence Vendor-06/30/2025<br>|  |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 18956064 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 19312108 |  | D A | A | A | Closed | FCRE1326 | 2025-06-25 18:20 | 2025-06-30 17:48 | 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-06/30/2025 <br> Ready for Review-Document Uploaded. P & L attached - Buyer-06/27/2025 <br> Open-Borrower 1 YTD Profit & Loss Missing Missing P&L. - Due Diligence Vendor-06/25/2025 |  | Resolved-Borrower 1 YTD Profit & Loss Resolved - Due Diligence Vendor-06/30/2025<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 - 11.43 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.43 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.54% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 39.23 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 - 5 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 15036459 |  | B A | A | A | Closed | FCOM5135 | 2025-06-26 14:31 | 2025-06-30 08:19 | Resolved | 1 - Information B A | Compliance | Missing Doc - Federal Disclosure | Required Affiliated Business Disclosure Missing | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-06/30/2025 <br> Ready for Review-Document Uploaded. Attestation form attached - Buyer-06/27/2025 <br> Open-Required Affiliated Business Disclosure Missing \*\*Lender to provide a copy of the Affiliated Business Disclosure and evidence the borrower received within 3 business days of the application date. All affiliated Business Arrangements must be disclosed to the buyer in connection to settlement services. The lender can provide an attestation that it has no affiliates or that their affiliates do not provide settlement services if applicable. - Due Diligence Vendor-06/26/2025 |  | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-06/30/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 59.39% Is Below the Guideline Maximum Of 70% By Ten Percent (10%) or More |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 18589962 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 13843680 | xxx | B A | N/A | N/A | Closed | FCOM5135 | 2025-06-27 09:44 | 2025-06-30 07:48 | Resolved | 1 - Information B A | Compliance | Missing Doc - Federal Disclosure | Required Affiliated Business Disclosure Missing | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-06/30/2025 <br> Ready for Review-Document Uploaded. Please refer attached Affiliated Business Disclosure and certificate of delivery which was delivered to borrower at the time of application. - Seller-06/27/2025 <br> Open-Required Affiliated Business Disclosure Missing \*\*Lender to provide a copy of the Affiliated Business Disclosure and evidence the borrower received within 3 business days of the application date. All affiliated Business Arrangements must be disclosed to the buyer in connection to settlement services. The lender can provide an attestation that it has no affiliates or that their affiliates do not provide settlement services if applicable. - Due Diligence Vendor-06/27/2025 | Ready for Review-Document Uploaded. Please refer attached Affiliated Business Disclosure and certificate of delivery which was delivered to borrower at the time of application. - Seller-06/27/2025<br>| Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-06/30/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 59.44% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.17% 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 17.9 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 13844162 | xxx | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 14654936 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 18057525 |  | D A | N/A | N/A | Closed | FCRE1347 | 2025-06-30 14:18 | 2025-07-03 07:56 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-07/03/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-07/02/2025 <br> Open-Borrower 2 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-06/30/2025 |  | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-07/03/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 21.00 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.20 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 6.41 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 - 6.46 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.03% 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 - 10 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 13982030 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 10098195 |  | B A | N/A | N/A | Closed | FCRE1200 | 2025-06-30 15:58 | 2025-06-30 15:58 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Audited Loan Amount of xxx is less than the Guideline Minimum Loan Amount of 100000 Exception given for loan amount pg xxx - Due Diligence Vendor-06/30/2025 |  | Waived-Audited Loan Amount of xxx is less than the Guideline Minimum Loan Amount of xxx Exception given for loan amount pg xxx - Due Diligence Vendor-06/30/2025 | 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 - 10.46 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.86 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 - 10.46 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.22% 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxx |
| 18199119 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |  |
| 12159499 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 12892944 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 10631382 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 16332592 | xxx | D A | N/A | N/A | Closed | FPRO9736 | 2025-07-01 15:02 | 2025-07-03 10:16 | Resolved | 1 - Information C A | Property | Third Party Valuation | Valuation review product does not support the original appraisal within -10.0% | Resolved-Updated with appraisal results only - Due Diligence Vendor-07/03/2025 <br> Ready for Review-AVM is not order as a secondary valuation in this file to support appraised value. Product guideline says that Full appraisal required when AVM has less than 90% Confidence Factor. So in this file when we order the AVM report confidence factor came less than90% so we order the full appraisal to meet the requirement. - Seller-07/02/2025 <br> Open-AVM Score provided is below 90% (83%) provide updated third party review product. - Due Diligence Vendor-07/01/2025 | Ready for Review-AVM is not order as a secondary valuation in this file to support appraised value. Product guideline says that Full appraisal required when AVM has less than 90% Confidence Factor. So in this file when we order the AVM report confidence factor came less than90% so we order the full appraisal to meet the requirement. - Seller-07/02/2025<br>| Resolved-Updated with appraisal results only - Due Diligence Vendor-07/03/2025<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 - 5.88 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 39.12% 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 16332592 | xxx | D A | N/A | N/A | Closed | FCOM4227 | 2025-07-01 10:49 | 2025-07-02 09:22 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-Missing TRID disclosures received, data entered, no additional compliance findings. - Due Diligence Vendor-07/02/2025 <br> Ready for Review-Document Uploaded. - Seller-07/01/2025 <br> Open-Final closing disclosure missing - Due Diligence Vendor-07/01/2025 | Ready for Review-Document Uploaded. - Seller-07/01/2025<br>| Resolved-Missing TRID disclosures received, data entered, no additional compliance findings. - Due Diligence Vendor-07/02/2025<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 - 5.88 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 39.12% 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 16332592 | xxx | D A | N/A | N/A | Closed | FCOM1544 | 2025-07-01 00:21 | 2025-07-02 09:22 | Resolved | 1 - Information D A | Compliance | Missing Doc - CD | TRID: Missing Final Closing Disclosure | Resolved-Missing TRID disclosures received, data entered, no additional compliance findings. - Due Diligence Vendor-07/02/2025 <br> Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-07/02/2025 <br> Ready for Review-Document Uploaded. - Seller-07/01/2025 <br> Open-TRID: Missing Final Closing Disclosure \*\*\*\* Borrower(s) executed Final Closing Disclosure, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-07/01/2025 | Ready for Review-Document Uploaded. - Seller-07/01/2025<br>| Resolved-Missing TRID disclosures received, data entered, no additional compliance findings. - Due Diligence Vendor-07/02/2025 <br>Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-07/02/2025<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 - 5.88 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 39.12% 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 18529546 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 18621654 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 11113384 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18862532 |  | D A | N/A | N/A | Closed | FCRE1503 | 2025-06-30 16:00 | 2025-07-03 08:46 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Statement received - Due Diligence Vendor-07/03/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-07/02/2025 <br> Open- Primary Mortgage statement is missing for the property "xxx". - Due Diligence Vendor-06/30/2025 |  | Resolved-Statement received - Due Diligence Vendor-07/03/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16.00 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.47 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 19.00 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 57.05% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.4% 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14806583 |  | D A C | N/A | N/A | Closed | FCOM3957 | 2025-06-30 23:58 | 2025-07-08 09:40 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Initial Loan Estimate not provided within 3 days of application | Resolved-Locked LE received, data entered, no additional compliance findings. - Due Diligence Vendor-07/08/2025 <br> Ready for Review-responded on another condition as well. - Buyer-07/07/2025 <br> Counter-\*\*\*xxx Initial Loan Estimate has been provided, Compliance report generated, resulting in additional/NEW compliance findings. ~~~~~~~~~~~~~ . A Locked Loan Estimate or Closing Disclosure (as applicable), advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxx. Rate dependent charge changes subject to 0% tolerance total xxx. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-07/03/2025 <br> Ready for Review-Document Uploaded. see attached - Seller-07/02/2025 <br> Open-Application Date is xxx. and Initial Loan Estimate not provided within 3 Business days of application.<br> - Due Diligence Vendor-07/01/2025 | Ready for Review-Document Uploaded. see attached - Seller-07/02/2025<br>| Resolved-Locked LE received, data entered, no additional compliance findings. - Due Diligence Vendor-07/08/2025<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 - 20.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 78.25 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 - 19.64 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.33 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 54.96% Is Below the Guideline Maximum Of 65% By Ten Percent (10%) or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 40.15% 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 | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14806583 |  | D A C | N/A | N/A | Closed | finding-3634 | 2025-07-01 11:27 | 2025-07-08 09:39 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-Locked LE received, data entered, no additional compliance findings. - Due Diligence Vendor-07/08/2025 <br> Resolved- - Due Diligence Vendor-07/08/2025 <br> Ready for Review-responded on another condition - Seller-07/07/2025 <br> Open-\*\*\*xxx Initial Loan Estimate has been provided, xxx report generated, resulting in additional compliance findings. ~~~~~~~~~~~~~ . A Locked Loan Estimate or Closing Disclosure (as applicable), advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxx. Rate dependent charge changes subject to 0% tolerance total xxx. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-07/03/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-07/03/2025 <br> Ready for Review-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-07/03/2025 <br> Open- - Due Diligence Vendor-07/03/2025 <br> Ready for Review-Document Uploaded. see attached initial LE - Buyer-07/02/2025 <br> Open-\*\*\* Initial Loan Estimate (required to be provided to the consumer within 3 business days after application), has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-07/01/2025 <br> Open- - Due Diligence Vendor-07/01/2025 <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 xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-07/01/2025 <br> Open- - Due Diligence Vendor-07/01/2025 | Ready for Review-responded on another condition - Seller-07/07/2025<br>| Resolved-Locked LE received, data entered, no additional compliance findings. - Due Diligence Vendor-07/08/2025<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 - 20.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 78.25 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 - 19.64 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.33 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 54.96% Is Below the Guideline Maximum Of 65% By Ten Percent (10%) or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 40.15% 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 | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14806583 |  | D A C | N/A | N/A | Closed | finding-3631 | 2025-07-01 11:27 | 2025-07-08 09:39 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Locked LE received, data entered, no additional compliance findings. - Due Diligence Vendor-07/08/2025 <br> Resolved- - Due Diligence Vendor-07/08/2025 <br> Ready for Review-responded on another condition - Seller-07/07/2025 <br> Open-\*\*\*xxx Initial Loan Estimate has been provided, xxx report generated, resulting in additional compliance findings. ~~~~~~~~~~~~~ . A Locked Loan Estimate or Closing Disclosure (as applicable), advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxx. Rate dependent charge changes subject to 0% tolerance total xxx. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-07/03/2025 <br> Open- - Due Diligence Vendor-07/03/2025 <br> Open- - Due Diligence Vendor-07/03/2025 <br> Open- - Due Diligence Vendor-07/03/2025 <br> Ready for Review-attachment is on other findings for this loan - Seller-07/02/2025 <br> Open-\*\*\* Initial Loan Estimate (required to be provided to the consumer within 3 business days after application), has not been provided. A xxx report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-07/01/2025 <br> Open- - Due Diligence Vendor-07/01/2025 <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-07/01/2025 <br> Open- - Due Diligence Vendor-07/01/2025 | Ready for Review-responded on another condition - Seller-07/07/2025 <br>Ready for Review-attachment is on other findings for this loan - Seller-07/02/2025<br>| Resolved-Locked LE received, data entered, no additional compliance findings. - Due Diligence Vendor-07/08/2025<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 - 20.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 78.25 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 - 19.64 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.33 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 54.96% Is Below the Guideline Maximum Of 65% By Ten Percent (10%) or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 40.15% 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 | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14806583 |  | D A C | N/A | N/A | Closed | finding-3632 | 2025-07-01 11:27 | 2025-07-08 09:39 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Locked LE received, data entered, no additional compliance findings. - Due Diligence Vendor-07/08/2025 <br> Resolved- - Due Diligence Vendor-07/08/2025 <br> Ready for Review-Document Uploaded. see attached issued on xxx - Buyer-07/07/2025 <br> Open-\*\*\*xxx Initial Loan Estimate has been provided, xxx report generated, resulting in additional compliance findings. ~~~~~~~~~~~~~ . A Locked Loan Estimate or Closing Disclosure (as applicable), advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxx. Rate dependent charge changes subject to 0% tolerance total xxx. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-07/03/2025 <br> Open- - Due Diligence Vendor-07/03/2025 <br> Open- - Due Diligence Vendor-07/03/2025 <br> Open- - Due Diligence Vendor-07/03/2025 <br> Ready for Review-Document Uploaded. attached initial LE - Seller-07/02/2025 <br> Open-\*\*\* Initial Loan Estimate (required to be provided to the consumer within 3 business days after application), has not been provided. A xxx report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-07/01/2025 <br> Open- - Due Diligence Vendor-07/01/2025 <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-07/01/2025 <br> Open- - Due Diligence Vendor-07/01/2025 | Ready for Review-Document Uploaded. attached initial LE - Seller-07/02/2025<br>| Resolved-Locked LE received, data entered, no additional compliance findings. - Due Diligence Vendor-07/08/2025<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 - 20.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 78.25 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 - 19.64 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.33 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 54.96% Is Below the Guideline Maximum Of 65% By Ten Percent (10%) or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 40.15% 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 | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14806583 |  | D A C | N/A | N/A | Closed | finding-3529 | 2025-07-03 09:48 | 2025-07-08 09:39 | Resolved | 1 - Information C A | Compliance | TRID | Revised Loan Estimate Delivery Date and Changed Circumstances Date Test | Resolved-Locked LE received, data entered, no additional compliance findings. - Due Diligence Vendor-07/08/2025 <br> Resolved- - Due Diligence Vendor-07/08/2025 <br> Ready for Review-Document Uploaded. responded on another condition as well. - Buyer-07/07/2025 <br> Open-\*\*\*xxx Initial Loan Estimate has been provided, xxx report generated, resulting in additional compliance findings. ~~~~~~~~~~~~~ . A Locked Loan Estimate or Closing Disclosure (as applicable), advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxx. Rate dependent charge changes subject to 0% tolerance total xxx. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-07/03/2025 <br> Open- - Due Diligence Vendor-07/03/2025 <br> Open-This loan failed the revised loan estimate delivery date and changed circumstances date test. (12 CFR §1026.19(e)(3)(iv)(A) - (C), (E), (F) , and (D) as amended in xxx , and 12 CFR §1026.19(e)(4)(i))The revised loan estimate 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). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page: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 any other interest rate dependent charges and terms. \*\*\*xxx Initial Loan Estimate has been provided, xxx report generated, resulting in additional compliance findings. ~~~~~~~~~~~~~ . A Locked Loan Estimate or Closing Disclosure (as applicable), advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxx. Rate dependent charge changes subject to 0% tolerance total xxx. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-07/03/2025 <br> Open- - Due Diligence Vendor-07/03/2025 |  | Resolved-Locked LE received, data entered, no additional compliance findings. - Due Diligence Vendor-07/08/2025<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 - 20.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 78.25 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 - 19.64 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.33 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 54.96% Is Below the Guideline Maximum Of 65% By Ten Percent (10%) or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 40.15% 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 | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14806583 |  | D A C | N/A | N/A | Closed | FCOM1080 | 2025-06-30 23:59 | 2025-07-03 09:59 | Resolved | 1 - Information C A | Compliance | TRID | Service provider list not provided within 3 days of application | Resolved-Not provided charge tested at 10%=Pass \*\*\* non-material - Due Diligence Vendor-07/03/2025 <br> Ready for Review-attachment is on other findings for this loan - Buyer-07/02/2025 <br> Open-Application Date is xxx, Service Provider List is not provided within 3 business days of application.<br> - Due Diligence Vendor-07/01/2025 |  | Resolved-Not provided charge tested at 10%=Pass \*\*\* non-material - Due Diligence Vendor-07/03/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 78.25 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 - 19.64 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.33 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 54.96% Is Below the Guideline Maximum Of 65% By Ten Percent (10%) or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 40.15% 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 | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14806583 |  | D A C | N/A | N/A | Closed | finding-3635 | 2025-07-01 11:27 | 2025-07-03 09:51 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Resolved-\*\*\*xxx Initial Loan Estimate has been provided, xxxx report generated, resulting in additional compliance findings. ~~~~~~~~~~~~~ . A Locked Loan Estimate or Closing Disclosure (as applicable), advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxx. Rate dependent charge changes subject to 0% tolerance total xxx. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-07/03/2025 <br> Resolved- - Due Diligence Vendor-07/03/2025 <br> Ready for Review-attachment is on other findings for this loan - Seller-07/02/2025 <br> Open-\*\*\* Initial Loan Estimate (required to be provided to the consumer within 3 business days after application), has not been provided. A xxx report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-07/01/2025 <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% (xxx) exceed the comparable charges (xxx) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). - Due Diligence Vendor-07/01/2025 <br> Open- - Due Diligence Vendor-07/01/2025 <br> Open- - Due Diligence Vendor-07/01/2025 | Ready for Review-attachment is on other findings for this loan - Seller-07/02/2025<br>| Resolved-\*\*\*xxx Initial Loan Estimate has been provided, Compliance report generated, resulting in additional compliance findings. ~~~~~~~~~~~~~ . A Locked Loan Estimate or Closing Disclosure (as applicable), advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxx. Rate dependent charge changes subject to 0% tolerance total $xxx. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-07/03/2025 | 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 - 20.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 78.25 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 - 19.64 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.33 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 54.96% Is Below the Guideline Maximum Of 65% By Ten Percent (10%) or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 40.15% 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 | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14806583 |  | D A C | N/A | N/A | Closed | finding-3515 | 2025-07-01 11:27 | 2025-07-03 09:51 | Resolved | 1 - Information C A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved-\*\*\*xxx Initial Loan Estimate has been provided, xxx report generated, resulting in additional compliance findings. ~~~~~~~~~~~~~ . A Locked Loan Estimate or Closing Disclosure (as applicable), advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxx. Rate dependent charge changes subject to 0% tolerance total xxx. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-07/03/2025 <br> Resolved- - Due Diligence Vendor-07/03/2025 <br> Ready for Review-attachment is on other findings for this loan - Buyer-07/02/2025 <br> Open-\*\*\* Initial Loan Estimate (required to be provided to the consumer within 3 business days after application), has not been provided. A xxx report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-07/01/2025 <br> Open- - Due Diligence Vendor-07/01/2025 <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 xxx, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be xxx regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on xxx As not being open on xxx (xxx)PLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, xxx calculations will presume the company'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. - Due Diligence Vendor-07/01/2025 <br> Open- - Due Diligence Vendor-07/01/2025 |  | Resolved-\*\*\*xxx Initial Loan Estimate has been provided, Compliance report generated, resulting in additional compliance findings. ~~~~~~~~~~~~~ . A Locked Loan Estimate or Closing Disclosure (as applicable), advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxx. Rate dependent charge changes subject to 0% tolerance total $xxx. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-07/03/2025 | 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 - 20.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 78.25 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 - 19.64 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.33 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 54.96% Is Below the Guideline Maximum Of 65% By Ten Percent (10%) or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 40.15% 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 | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14806583 |  | D A C | N/A | N/A | Closed | FPRO1242 | 2025-06-30 18:03 | 2025-07-03 08:34 | Resolved | 1 - Information D A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal has been provided - Due Diligence Vendor-07/03/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-07/02/2025 <br> Open-Appraisal is Missing Provide the Full Appraisal Report for the subject property. - Due Diligence Vendor-06/30/2025 |  | Resolved-Appraisal has been provided - Due Diligence Vendor-07/03/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 78.25 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 - 19.64 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.33 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 54.96% Is Below the Guideline Maximum Of 65% By Ten Percent (10%) or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 40.15% 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 | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14806583 |  | D A C | N/A | N/A | Closed | FCRE1316 | 2025-06-30 18:07 | 2025-07-03 08:30 | 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-07/03/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-07/02/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Provide the Third-Party Verification of Employment that was completed prior to close, for the Borrower and Co-Borrower. - Due Diligence Vendor-06/30/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-07/02/2025<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-07/03/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 78.25 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 - 19.64 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.33 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 54.96% Is Below the Guideline Maximum Of 65% By Ten Percent (10%) or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 40.15% 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 | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 10241077 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 13633453 |  | B A | A | A | Closed | FCRE1182 | 2025-07-01 10:54 | 2025-07-03 17:30 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved- - Due Diligence Vendor-07/03/2025 <br>Ready for Review-Document Uploaded. - Seller-07/03/2025 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-07/01/2025 | Ready for Review-Document Uploaded. - Seller-07/03/2025<br>|  | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.13 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 39.6% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.92 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 - 6.31 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 16629383 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18377966 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 14640133 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 11646342 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 10587192 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 15301499 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 12719007 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |  |
| 16284348 |  | C A | N/A | N/A | Closed | FCRE1148 | 2025-07-01 16:49 | 2025-07-07 13:12 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien Loan Amount | Resolved-Title Coverage Amount of xxx is equal to or greater than Total Amount of Subject Lien - Due Diligence Vendor-07/07/2025 <br> Resolved- - Due Diligence Vendor-07/07/2025 <br> Ready for Review-Document Uploaded. - Seller-07/03/2025 <br> Open-Title Coverage is Less than Subject Lien Loan Amount provide updated title report to show adequate title insurance coverage. - Due Diligence Vendor-07/01/2025 | Ready for Review-Document Uploaded. - Seller-07/03/2025<br>| Resolved-Title Coverage Amount of $xxx is equal to or greater than Total Amount of Subject Lien - Due Diligence Vendor-07/07/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.00 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 63.1% 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 xxx 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 0.22<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 - 5.02 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.34 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 - 10.00 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 19561189 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 11982801 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 10776382 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18345129 |  | D A | A | A | Closed | FCRE1161 | 2025-07-01 13:35 | 2025-07-07 13:05 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-07/07/2025 <br> Ready for Review-Document Uploaded. - Seller-07/03/2025 <br> Open-Missing Flood Certificate Flood Certificate is Missing - Due Diligence Vendor-07/01/2025 | Ready for Review-Document Uploaded. - Seller-07/03/2025<br>| Resolved-Flood Certificate is fully present - Due Diligence Vendor-07/07/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 68.98% 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 19.09 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx 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 44.98% 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11907500 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 10987380 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 16171043 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 17387371 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 16177480 |  | D A B | N/A | N/A | Closed | FCOM1797 | 2025-07-07 12:51 | 2025-07-09 11:28 | Resolved | 1 - Information B A | Compliance | Missing Doc | Service Provider List is Missing | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-07/09/2025 <br> Ready for Review-Document Uploaded. see attached - Buyer-07/08/2025 <br> Open-Service Provider List is Missing - Due Diligence Vendor-07/07/2025 |  | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-07/09/2025<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 0.02<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18.90 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 - 18.91 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.59 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 - 18.91 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.53% 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 - 5.00 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 16177480 |  | D A B | N/A | N/A | Closed | FCOM1266 | 2025-07-03 02:56 | 2025-07-09 11:28 | Resolved | 1 - Information B A | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-07/09/2025 <br> Ready for Review-Document Uploaded. see attached - Buyer-07/08/2025 <br> Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-07/03/2025 |  | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-07/09/2025<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 0.02<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18.90 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 - 18.91 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.59 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 - 18.91 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.53% 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 - 5.00 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 16177480 |  | D A B | N/A | N/A | Closed | FCRE1503 | 2025-07-02 18:58 | 2025-07-09 09:30 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Mortgage statement (HELOC) provided. - Due Diligence Vendor-07/09/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-07/08/2025 <br> Open-Mortgage statement for xxx missing for the property xxx - Due Diligence Vendor-07/02/2025 |  | Resolved-Mortgage statement (HELOC) provided. - Due Diligence Vendor-07/09/2025<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 0.02<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18.90 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 - 18.91 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.59 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 - 18.91 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.53% 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 - 5.00 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 17045037 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 10294170 |  | D A | N/A | N/A | Closed | FCRE1316 | 2025-07-01 16:44 | 2025-07-03 12:04 | 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-07/03/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-07/03/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-07/01/2025 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-07/03/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.32% Is Less Than The Guideline Maximum Of 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 - 15.08 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 22.31 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.14<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.65 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 - 22.31 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 10294170 |  | D A | N/A | N/A | Closed | FCOM8844 | 2025-07-02 15:58 | 2025-07-03 12:03 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Evidence of Business Purpose use of Proceeds | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-07/03/2025 <br> Ready for Review-Document Uploaded. Please see attached from the loan file. - Buyer-07/03/2025 <br> Open-Business Purpose Disclosure stating how funds will be used or letter from borrower regarding the use of funds is missing. - Due Diligence Vendor-07/02/2025 |  | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-07/03/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.32% Is Less Than The Guideline Maximum Of 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 - 15.08 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 22.31 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.14<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.65 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 - 22.31 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 10294170 |  | D A | N/A | N/A | Closed | FPRO1242 | 2025-07-01 15:08 | 2025-07-03 12:01 | Resolved | 1 - Information D A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal has been provided - Due Diligence Vendor-07/03/2025 <br>Ready for Review-Document Uploaded. Please see attached AVM and PCI. These was also in the file. - Buyer-07/03/2025 <br>Open-Appraisal is Missing - Due Diligence Vendor-07/01/2025 |  | Resolved-Appraisal has been provided - Due Diligence Vendor-07/03/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.32% Is Less Than The Guideline Maximum Of 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 - 15.08 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 22.31 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.14<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.65 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 - 22.31 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 15917100 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 17275282 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18242347 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 12950982 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 16263683 | xxx | D A | A | A | Closed | FCOM1227 | 2025-07-02 16:22 | 2025-07-24 18:34 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | PUD Rider is Missing | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-07/24/2025 <br> Ready for Review-Document Uploaded. - Seller-07/24/2025 <br> Counter-Provided PUD Rider & Mortgage, Once signed and sent for recording. - Due Diligence Vendor-07/17/2025 <br> Ready for Review-Document Uploaded. - Seller-07/16/2025 <br> Open-PUD Rider is Missing - Due Diligence Vendor-07/02/2025 | Ready for Review-Document Uploaded. - Seller-07/24/2025 <br>Ready for Review-Document Uploaded. - Seller-07/16/2025<br>| Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-07/24/2025<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 - 16.10 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 37.75 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 - 16.10 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.35% 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 - 15.00 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 17909837 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 10586339 |  | D A | A | A | Closed | FCRE1326 | 2025-07-07 08:56 | 2025-07-08 11:43 | 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-07/08/2025 <br> Ready for Review-Document Uploaded. p & l uploaded - Buyer-07/07/2025 <br> Open-Borrower 1 YTD Profit & Loss Missing Missing 12 months P&L information from EA, CPA letter already provided (page xxx) - Due Diligence Vendor-07/07/2025 |  | Resolved-Borrower 1 YTD Profit & Loss Resolved - Due Diligence Vendor-07/08/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 38.14 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.98 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 20.39% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 17131503 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18861382 |  | D B A | A | A | Closed | FCRE1199 | 2025-07-02 14:14 | 2025-07-09 14:30 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-Approved Lender Exception: Exception approval required due to: Max loan amount is xxx and requested loan amount is xxx. - Due Diligence Vendor-07/09/2025 <br> Ready for Review-Document Uploaded. Here is the exception form showing borrower name and loan number ...our system does not show complete page., Also Per u/w level 1 exceptions do not need the compensating factors due to the exception works with investor guidelines. - Buyer-07/08/2025 <br> Counter-The Exception form is missing Compensating factors and also appears the Top of the Exception form is cut off as it does not provide the Subject Loan # or Borrower's information. - Due Diligence Vendor-07/08/2025 <br> Ready for Review-Document Uploaded. exception request and approval - Buyer-07/07/2025 <br> Open-Audited Loan Amount of xxx is greater than the Guideline Maximum Loan Amount of xxx - Due Diligence Vendor-07/02/2025 |  | Waived-Approved Lender Exception: Exception approval required due to: Max loan amount is $xxx and requested loan amount is $xxx. - Due Diligence Vendor-07/09/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 24.63% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 31.07 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 41.25 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 - 30 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 19.41 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 62.19% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxx |
| 18861382 |  | D B A | A | A | Closed | FCRE1326 | 2025-07-07 11:07 | 2025-07-08 13:06 | 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-07/08/2025 <br> Ready for Review-Document Uploaded. p & l for xxx - Buyer-07/07/2025 <br> Open-Borrower 1 YTD Profit & Loss Missing Missing current YTD PNL or 3 months bank statements<br> Per G/L:<br> Full income documentation requirement for stand alone second:<br> Self-employed borrowers:<br> 1 or 2 years tax returns (business and personal) including all schedules.<br> Current YTD P&L (borrower prepared ok), or 3 months bank statements.<br> Qualifying income based on tax returns. P&L or bank statement to support tax return<br> income.<br> Tax transcripts.<br> - Due Diligence Vendor-07/07/2025 |  | Resolved-Borrower 1 YTD Profit & Loss Resolved - Due Diligence Vendor-07/08/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 24.63% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 31.07 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 41.25 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 - 30 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 19.41 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 62.19% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 15688073 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 19236047 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 13357372 |  | C A | N/A | N/A | Closed | FCRE5774 | 2025-07-03 12:08 | 2025-07-08 10:19 | Resolved | 1 - Information C A | Credit | Borrower | Borrower 1 Credit Report is Incomplete | Resolved-Borrower 1 Credit Report is not partially present. - Due Diligence Vendor-07/08/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-07/04/2025 <br> Open-Provide credit report with at least 2 credit scores. - Due Diligence Vendor-07/03/2025 |  | Resolved-Borrower 1 Credit Report is not partially present. - Due Diligence Vendor-07/08/2025<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 - 20.00 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 39.63 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 29.01% 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 - 15.96 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 17481893 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 14076778 | xxx | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 19220433 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18471211 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 14069777 |  | C A | N/A | N/A | Closed | finding-2504 | 2025-07-07 10:24 | 2025-07-16 09:05 | Resolved | 1 - Information C A | Compliance | Points & Fees | TILA Foreclosure Rescission Finance Charge Test | Resolved-LOE provided is sufficient to exclude Counter Signature fee from Finance Charge inclusion as it relates to Notarization . Thank you. - Due Diligence Vendor-07/16/2025 <br> Resolved- - Due Diligence Vendor-07/16/2025 <br> Ready for Review-Document Uploaded. - Seller-07/15/2025 <br> Counter-Please explain the purpose of the Counter Signature fee to determine if it is subject to Finance Charge inclusion - Due Diligence Vendor-07/08/2025 <br> Ready for Review-Can you please clarify what needs to be done to clear this condition? - Seller-07/07/2025 <br> Open-\*\*\*Loan failed the Finance Charge test because it was understated by xxx. After reviewing the lender's xxx report, the lender excluded the the Counter Signature fee from their finance charge calculations. - Due Diligence Vendor-07/07/2025 <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 xxx. The disclosed finance charge of xxx is not considered accurate for purposes of rescission because it is understated by more than xxx. - Due Diligence Vendor-07/07/2025 | Ready for Review-Document Uploaded. - Seller-07/15/2025 <br>Ready for Review-Can you please clarify what needs to be done to clear this condition? - Seller-07/07/2025<br>| Resolved-LOE provided is sufficient to exclude Counter Signature fee from Finance Charge inclusion as it relates to Notarization . Thank you. - Due Diligence Vendor-07/16/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.62 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 - 13.00 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 66.9% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.09% 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14069777 |  | C A | N/A | N/A | Closed | finding-3721 | 2025-07-07 10:27 | 2025-07-16 09:05 | Resolved | 1 - Information C A | Compliance | TRID | TILA Post-Consummation Revised Closing Disclosure Foreclosure Rescission Finance Charge Test | Resolved-LOE provided is sufficient to exclude Counter Signature fee from Finance Charge inclusion as it relates to Notarization . Thank you. - Due Diligence Vendor-07/16/2025 <br> Resolved- - Due Diligence Vendor-07/16/2025 <br> Ready for Review-Document Uploaded. - Seller-07/15/2025 <br> Counter-Please explain the purpose of the Counter Signature fee to determine if it is subject to Finance Charge inclusion - Due Diligence Vendor-07/08/2025 <br> Ready for Review-Can you please clarify what needs to be done to clear this condition? - Seller-07/07/2025 <br> Open-\*\*\*Loan failed the Finance Charge test because it was understated by xxx. After reviewing the lender's xxx report, the lender excluded the the Counter Signature fee from their finance charge calculations. - Due Diligence Vendor-07/07/2025 <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 xxx. The disclosed finance charge of xxx is not considered accurate for purposes of rescission because it is understated by more than xxx. - Due Diligence Vendor-07/07/2025 <br> Open- - Due Diligence Vendor-07/07/2025 | Ready for Review-Document Uploaded. - Seller-07/15/2025 <br>Ready for Review-Can you please clarify what needs to be done to clear this condition? - Seller-07/07/2025<br>| Resolved-LOE provided is sufficient to exclude Counter Signature fee from Finance Charge inclusion as it relates to Notarization . Thank you. - Due Diligence Vendor-07/16/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.62 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 - 13.00 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 66.9% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.09% 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 12937662 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 11317873 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 13787840 | xxx | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 19230782 |  | D A | A | A | Closed | FCRE7805 | 2025-07-07 15:03 | 2025-07-09 12:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Income - Bank Statements | Resolved-xxx Bank statement provided. - Due Diligence Vendor-07/09/2025 <br> Ready for Review-Document Uploaded. xxx bank statements - Seller-07/08/2025 <br> Open-Provide the xxx Bank Statement for xxx. - Due Diligence Vendor-07/07/2025 | Ready for Review-Document Uploaded. xxx bank statements - Seller-07/08/2025 | Resolved-xxx Bank statement provided. - Due Diligence Vendor-07/09/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.83 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 19.05% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.45 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.44 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 7.97 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11581074 |  | D A | A | A | Closed | FCRE7805 | 2025-07-07 13:30 | 2025-07-09 12:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Income - Bank Statements | Resolved- - Due Diligence Vendor-07/09/2025 <br> Ready for Review-Document Uploaded. - Seller-07/08/2025 <br> Open-Missing xxx bank statement for 12 bank statement income calculation. Provide xxx bank statement for xxx, all pages. - Due Diligence Vendor-07/07/2025 | Ready for Review-Document Uploaded. - Seller-07/08/2025<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 0.19<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 - 14.33 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 - 23.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 35.39 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 56% Is Below the Guideline Maximum Of 90% 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 - 11.17 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.09% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11581074 |  | D A | A | A | Closed | FCRE1201 | 2025-07-07 13:22 | 2025-07-08 13:04 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-07/08/2025 <br> Ready for Review-Document Uploaded. - Seller-07/07/2025 <br> Open-Missing Third Party Fraud Report - Due Diligence Vendor-07/07/2025 | Ready for Review-Document Uploaded. - Seller-07/07/2025<br>| Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-07/08/2025<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 0.19<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 - 14.33 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 - 23.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 35.39 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 56% Is Below the Guideline Maximum Of 90% 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 - 11.17 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.09% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 17142333 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 11429524 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 13244313 |  | D A | N/A | N/A | Closed | FCRE2109 | 2025-07-07 18:28 | 2025-07-09 14:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-07/09/2025 <br> Ready for Review-Document Uploaded. Loan is not a 12 mo. Bank stmt loan – Program is 1099 program – see attached 1008. - Seller-07/08/2025 <br> Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-07/07/2025 | Ready for Review-Document Uploaded. Loan is not a 12 mo. Bank stmt loan – Program is 1099 program – see attached 1008. - Seller-07/08/2025<br>| Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-07/09/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.3 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 70.16% Is Below the Guideline Maximum Of 90% 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 - 5.17 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.98% 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 13244313 |  | D A | N/A | N/A | Closed | FCRE5790 | 2025-07-07 18:35 | 2025-07-09 14:26 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-07/09/2025 <br> Ready for Review-Document Uploaded. - Seller-07/08/2025 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-07/07/2025 | Ready for Review-Document Uploaded. - Seller-07/08/2025<br>| Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-07/09/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.3 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 70.16% Is Below the Guideline Maximum Of 90% 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 - 5.17 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.98% 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 10214692 |  | D A | N/A | N/A | Closed | FCRE2109 | 2025-07-08 11:39 | 2025-07-10 11:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-07/10/2025 <br> Ready for Review-Document Uploaded. - Seller-07/09/2025 <br> Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-07/08/2025 | Ready for Review-Document Uploaded. - Seller-07/09/2025<br>| Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-07/10/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 17.16% 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 45.18% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.01 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 - 25.00 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.55 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 18486112 |  | D A | N/A | N/A | Closed | FCRE1201 | 2025-07-03 04:30 | 2025-07-09 13:03 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-07/09/2025 <br> Ready for Review-Document Uploaded. - Seller-07/08/2025 <br> Open-Missing Third Party Fraud Report - Due Diligence Vendor-07/03/2025 | Ready for Review-Document Uploaded. - Seller-07/08/2025<br>| Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-07/09/2025<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 - 22.50 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 22.50 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 - 30 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.91 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 11.91 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 - 27 Years Borrower At Current Residence For Five (5) Or More Years - 27 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.25% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 38.25% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Qualifying FICO Of xxx 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 18486112 |  | D A | N/A | N/A | Closed | FCRE1167 | 2025-07-07 14:45 | 2025-07-09 13:02 | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-07/09/2025 <br> Ready for Review-Document Uploaded. Please see endorsement section : Ordinace or Law coverage - 25% of coverage A - Seller-07/08/2025 <br> Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxx is less than the minimum required coverage amount of xxx Replacement cost estimator was not in file and dwelling coverage was xxx - Due Diligence Vendor-07/07/2025 | Ready for Review-Document Uploaded. Please see endorsement section : Ordinace or Law coverage - 25% of coverage A - Seller-07/08/2025<br>| Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-07/09/2025<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 - 22.50 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 22.50 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 - 30 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.91 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 11.91 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 - 27 Years Borrower At Current Residence For Five (5) Or More Years - 27 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.25% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 38.25% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Qualifying FICO Of xxx 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 17471478 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 17033375 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 14768469 |  | C A | N/A | N/A | Closed | finding-47 | 2025-07-07 14:13 | 2025-07-09 10:13 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-07/09/2025 <br> Resolved- - Due Diligence Vendor-07/09/2025 <br> Ready for Review-Document Uploaded. - Seller-07/08/2025 <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. \*\*\*The Final CD shows a funding date of xxx - which is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date.<br> - Due Diligence Vendor-07/08/2025 <br> Open- - Due Diligence Vendor-07/08/2025 <br> Open- - Due Diligence Vendor-07/07/2025 | Ready for Review-Document Uploaded. - Seller-07/08/2025<br>| Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-07/09/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 54.35 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 - 13.49 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 - 13.49 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 8.35% 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 19998522 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 17576631 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 14516047 |  | C A | N/A | N/A | Closed | FCRE1167 | 2025-07-07 17:38 | 2025-07-14 13:09 | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-07/14/2025 <br> Ready for Review-Document Uploaded. Rebut-between the master policy (attached) and the HOI, there is sufficient coverage. - Buyer-07/12/2025 <br> Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxx is less than the minimum required coverage amount of xxx Provide additional hazard coverage to meet loan amount. - Due Diligence Vendor-07/07/2025 |  | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-07/14/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.23 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 56.54% Is Below the Guideline Maximum Of 85% 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 - 10.00 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 12297799 |  | D B A | N/A | N/A | Closed | FCOM1511 | 2025-07-03 18:07 | 2025-07-09 08:57 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | Closing/Settlement Disclosure Missing | Resolved-Final SS provided. - Due Diligence Vendor-07/09/2025 <br>Ready for Review-Document Uploaded. see attached final CD - Buyer-07/08/2025 <br>Open-Closing/Settlement Disclosure Missing - Due Diligence Vendor-07/03/2025 |  | Resolved-Final SS provided. - Due Diligence Vendor-07/09/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 44.15% 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 - 10 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 12297799 |  | D B A | N/A | N/A | Closed | FCOM2276 | 2025-07-07 16:03 | 2025-07-09 08:57 | Resolved | 1 - Information C A | Compliance | TRID | Final CD: Disbursement Date is missing or inaccurate | Resolved-Final SS provided. - Due Diligence Vendor-07/09/2025 <br>Ready for Review-Document Uploaded. see attached Final CD - Buyer-07/08/2025 <br>Open-Provide Final Closing disclosure - Due Diligence Vendor-07/07/2025 |  | Resolved-Final SS provided. - Due Diligence Vendor-07/09/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 44.15% 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 - 10 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 12297799 |  | D B A | N/A | N/A | Closed | FPRO9736 | 2025-07-08 08:39 | 2025-07-09 08:05 | Waived | 2 - Non-Material C B | Property | Third Party Valuation | Valuation review product does not support the original appraisal within -10.0% | Waived-Approved Lender Exception: See xxx approval ok to use AVM with 87% confidence with PCI - Due Diligence Vendor-07/09/2025 <br> Ready for Review-Please see attached exception that was made during the UW process. - Buyer-07/08/2025 <br> Open-AVM provided has a confidence score less than 90 (87). Provide valid appraisal. - Due Diligence Vendor-07/08/2025 |  | Waived-Approved Lender Exception: See xxx approval ok to use AVM with 87% confidence with PCI - Due Diligence Vendor-07/09/2025 | Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 44.15% 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 - 10 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | LTV Max-80% Subject - 45%<br> DSCR Min - 1 Subject - 1.5 | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxx |
| 18254064 |  | C B A | N/A | N/A | Closed | FPRO7466 | 2025-07-07 14:43 | 2025-07-09 08:01 | Waived | 2 - Non-Material C B | Property | Third Party Valuation | AVM Value(s) Do Not Adhere To Tolerance Criteria | Waived-Approved Lender Exception: Exception needed for AVM with confidence score < 90% (87%) - Due Diligence Vendor-07/09/2025 <br>Ready for Review-Document Uploaded. Rebut-please see attached. An exception has been made for the Confidence score and was in the file at CTC (see page 2 of the form) - Buyer-07/08/2025 <br>Open-AVM has less than 90% confidence score (87%). Provide valid appraisal. - Due Diligence Vendor-07/07/2025 |  | Waived-Approved Lender Exception: Exception needed for AVM with confidence score < 90% (87%) - Due Diligence Vendor-07/09/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.73 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 36.33% 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 xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | DSCR Min - 1.0% Subject - 1.963%<br> LTV Max - 80% Subject -36.262% | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxx |
| 15469876 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 18501157 |  | C A | N/A | N/A | Closed | finding-3652 | 2025-07-07 03:30 | 2025-07-09 11:08 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved- xxx RCD and COC received, data entered, no additional compliance findings. - Due Diligence Vendor-07/09/2025 <br> Ready for Review-Document Uploaded. On xxx, a CD and Change of Circumstance were issued due to a change in DTI, which impacted pricing, adjusting it from 1.25 to 0.25.<br> The xxx was paid POC by the lender and should not be reflected as a credit to the borrower.<br> Enclosed is the COC and signed CD. <br> - Buyer-07/08/2025 <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 (xxx) does not exceed or equal the comparable sum of specific and non-specific lender credits (xxx). 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(s) have been reduced, resulting in a 0% tolerance cure in the amount of xxx. Please provide COC event details dated within 3 days of removal or reduction. Or 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-07/08/2025 <br> Open- - Due Diligence Vendor-07/08/2025 <br> Open- - Due Diligence Vendor-07/07/2025 <br> Open- - Due Diligence Vendor-07/07/2025 <br> Open- - Due Diligence Vendor-07/07/2025 <br> Open- - Due Diligence Vendor-07/07/2025 <br> Open- - Due Diligence Vendor-07/07/2025 <br> Open- - Due Diligence Vendor-07/07/2025 |  | Resolved-6/16/2025 RCD and COC received, data entered, no additional compliance findings. - Due Diligence Vendor-07/09/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 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 - 15 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14926050 |  | B A | A | A | Closed | FCRE8712 | 2025-07-03 02:54 | 2025-07-08 13:38 | Waived | 2 - Non-Material B | Credit | Missing Doc | Missing Verification of Rent | Waived-Borrower currently lives rent free with daughter. Borrower has owned subject as NOO since xxx. - Due Diligence Vendor-07/03/2025 |  | Waived-Borrower currently lives rent free with daughter. Borrower has owned subject as NOO since xxx. - Due Diligence Vendor-07/03/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 32.53 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 32.53 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months | Excellent Credit, Good Reserves | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxx |
| 15230073 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 19865843 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno |  |  |  |
| 16425543 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 14566814 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 11622546 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 14940311 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 11476752 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 13640701 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 14639852 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 19732849 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 19854739 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 17002909 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 18069043 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 10029647 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 19383480 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 13704395 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 11980915 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 16200288 | xxx | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 19874556 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Home Improvement/Reno |  |  |  |
| 14721861 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Home Improvement/Reno |  |  |  |
| 18194711 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 15075016 |  | C A | A | A | Closed | FCRE1195 | 2025-07-08 07:25 | 2025-07-18 18:38 | Resolved | 1 - Information C A | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Resolved-Audited CLTV of 85% is less than or equal to Guideline CLTV of 85% - Due Diligence Vendor-07/11/2025 <br> Ready for Review-This is a Full-Doc, Please kick this back to the investor, the max is 85% CLTV. - Seller-07/10/2025 <br> Open-Audited CLTV of 85% exceeds Guideline CLTV of 80% - Due Diligence Vendor-07/08/2025 | Ready for Review-This is a Full-Doc, Please kick this back to the investor, the max is 85% CLTV. - Seller-07/10/2025<br>| Resolved-Audited CLTV of 85% is less than or equal to Guideline CLTV of 85% - Due Diligence Vendor-07/11/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.12% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13.08 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.87 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 - 6.22 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 15075016 |  | C A | A | A | Closed | FCRE1197 | 2025-07-08 19:37 | 2025-07-18 18:38 | Resolved | 1 - Information C A | Credit | Eligibility | Audited FICO is less than Guideline FICO | Resolved-Audited FICO of xxx is greater than or equal to Guideline FICO of xxx - Due Diligence Vendor-07/11/2025 <br> Ready for Review-Document Uploaded. Here you go, please see attached updated 1008 and 1003. - Seller-07/10/2025 <br> Open-Audited FICO of xxx is less than Guideline FICO of xxx - Due Diligence Vendor-07/08/2025 | Ready for Review-Document Uploaded. Here you go, please see attached updated 1008 and 1003. - Seller-07/10/2025<br>| Resolved-Audited FICO of xxx is greater than or equal to Guideline FICO of 680 - Due Diligence Vendor-07/11/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.12% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13.08 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.87 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 - 6.22 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 12554853 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 13570187 |  | D A | A | A | Closed | FCRE2109 | 2025-07-08 15:16 | 2025-07-10 13:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-07/10/2025 <br> Ready for Review-Document Uploaded. - Seller-07/09/2025 <br> Open-Missing Lender Worksheet or Bank Statement Summary Missing xxx current pay information - Due Diligence Vendor-07/08/2025 | Ready for Review-Document Uploaded. - Seller-07/09/2025<br>| Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-07/10/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 21.50 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 74.76% 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 43.35 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 - 22.25 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 - 21.64 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 0.2 |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | xxx |
| 11928893 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 17769553 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 13410193 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 11200998 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Refinance | Cash Out - Other |  |  |  |
| 19458498 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 13947238 |  | C A | N/A | N/A | Closed | FCRE1159 | 2025-07-09 11:26 | 2025-07-14 13:11 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Hazard Insurance Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-07/14/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-07/12/2025 <br> Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx - Due Diligence Vendor-07/09/2025 |  | Resolved-Hazard Insurance Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-07/14/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.78% 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 - 15 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 68.62% 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 - 10.08 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 - 30 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | xxx |
| 12716104 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 11996102 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18495874 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 14907793 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 11771353 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 10166753 |  | D A | A | A | Closed | FCRE1316 | 2025-07-10 14:32 | 2025-07-11 07:42 | 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-07/11/2025 <br> Ready for Review-Document Uploaded. - Seller-07/11/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-07/10/2025 | Ready for Review-Document Uploaded. - Seller-07/11/2025<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-07/11/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.85% 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 - 6.17 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 51.84 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 - 25.00 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.52 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 |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14526627 | xxx | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 19241517 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Home Improvement/Reno |  |  |  |
| 10904972 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 13408063 |  | D A | N/A | N/A | Closed | FCOM1280 | 2025-07-10 01:33 | 2025-07-14 14:47 | Resolved | 1 - Information D A | Compliance | Missing Doc - State Disclosure | Collateral Protection Notice is Missing | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-07/14/2025 <br> Ready for Review-Document Uploaded. see attached - Buyer-07/11/2025 <br> Open-Collateral Protection Notice is Missing - Due Diligence Vendor-07/10/2025 |  | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-07/14/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.49% 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 24.97 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 13408063 |  | D A | N/A | N/A | Closed | FCRE7497 | 2025-07-10 14:07 | 2025-07-14 13:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Updated 1008, 1003 & Property searching verifying no HOA for xxx and xxx - Due Diligence Vendor-07/14/2025 <br> Ready for Review-Document Uploaded. Please see attached. Both properties in question are actually SFRs and do not have an HOA. Both are escrowed. Updated 1008 and 1003 are also attached. - Buyer-07/12/2025 <br> Open-Provide documentation to support the HOA fees listed on the final loan application for xxx and xxx. - Due Diligence Vendor-07/10/2025 |  | Resolved-Updated 1008, 1003 & Property searching verifying no HOA for xxx and xxx - Due Diligence Vendor-07/14/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.49% 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 24.97 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 15875809 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 17755406 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 15229506 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 10951928 |  | C A | N/A | N/A | Closed | FCRE1193 | 2025-07-10 15:41 | 2025-07-14 13:33 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Updated 1008 now reflecting audited DTI provided. - Due Diligence Vendor-07/14/2025 <br> Ready for Review-Document Uploaded. To save time, please see attached. But please note that the prior DTI was based on debt that was paid by the business and was excluded. - Buyer-07/12/2025 <br> Open-Document Uploaded. - Due Diligence Vendor-07/10/2025 <br> Open-DTI discrepancy due to lender not including rental income for address xxx (xxx) in DTI calculation. Audit DTI with rental income is 47.53% vs lender 41.532% - Due Diligence Vendor-07/10/2025 |  | Resolved-Updated 1008 now reflecting audited DTI provided. - Due Diligence Vendor-07/14/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 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 - 6.58 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 58.33% Is Below the Guideline Maximum Of 90% 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 - 10.41 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 - 9.17 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 |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 15581893 |  | D A | N/A | N/A | Closed | FCRE9163 | 2025-07-09 08:54 | 2025-07-14 14:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Updated Credit Report Supplement | Resolved-Processor Cert, Updated 1008 & 1003 provided. - Due Diligence Vendor-07/14/2025 <br> Ready for Review-Document Uploaded. - Seller-07/14/2025 <br> Open-In the Final 1003 showing Other Liability xxx. It was included in the DTI. However, Proof is not available in the file for the Liability xxx. - Due Diligence Vendor-07/09/2025 | Ready for Review-Document Uploaded. - Seller-07/14/2025<br>| Resolved-Processor Cert, Updated 1008 & 1003 provided. - Due Diligence Vendor-07/14/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.19% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13.33 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 19281867 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 11945074 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 16388004 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 13698482 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 16641672 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 19669267 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 12980631 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 15057449 |  | D A | A | A | Closed | FCRE5782 | 2025-07-10 17:22 | 2025-07-18 10:56 | 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-07/18/2025 <br> Ready for Review-Document Uploaded. - Seller-07/17/2025 <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-07/10/2025 | Ready for Review-Document Uploaded. - Seller-07/17/2025<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-07/18/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.27 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> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.92 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.55 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 - 25.00 Years |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 12078674 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 19619057 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 16506808 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 13978256 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 19128271 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18824991 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 13124651 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 14705874 |  | D A C | A | A | Closed | finding-3408 | 2025-07-14 15:53 | 2025-07-17 12:17 | Resolved | 1 - Information C A | Compliance | Points & Fees | High-Cost Mortgage Late Fee Test | Resolved-Invoice for Third party pass thru verification of charge shown paid to "affiliate", has been provided. Charge excluded from high cost test - Due Diligence Vendor-07/17/2025 <br> Resolved- - Due Diligence Vendor-07/17/2025 <br> Ready for Review-Document Uploaded. PCCD, invoice for recert and mavent. - Buyer-07/16/2025 <br> Open-\*\*Loan failed High-Cost testing. After reviewing the lender's xxx report, the lender excluded fees from Section B paid to the Lender's Affiliate. - Due Diligence Vendor-07/14/2025 <br> Open- - Due Diligence Vendor-07/14/2025 <br> Open-This loan failed the high-cost mortgage late charges test for one of the following reasons: (12 CFR §1026.34(a)(8)(i))The loan provides for a late payment fee in excess of 4% of the amount of the payment past due; orA value for the late charges amount was not provided.Any late payment charge imposed in connection with a high-cost mortgage must be specifically permitted by the terms of the loan contract or open-end credit agreement and may not exceed 4 percent of the amount of the payment past due. No such charge may be imposed more than once for a single late payment. - Due Diligence Vendor-07/14/2025 <br> Open- - Due Diligence Vendor-07/14/2025 |  | Resolved-Invoice for Third party pass thru verification of charge shown paid to "affiliate", has been provided. Charge excluded from high cost test - Due Diligence Vendor-07/17/2025<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 - 28.25 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 30.41 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 28.25 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.1 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14705874 |  | D A C | A | A | Closed | finding-3406 | 2025-07-14 15:53 | 2025-07-17 12:17 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | High-Cost Mortgage Pre-Loan Counseling Date Test | Resolved-Invoice for Third party pass thru verification of charge shown paid to "affiliate", has been provided. Charge excluded from high cost test - Due Diligence Vendor-07/17/2025 <br> Resolved- - Due Diligence Vendor-07/17/2025 <br> Ready for Review-Document Uploaded. PCCD, invoice for recert and mavent. - Seller-07/16/2025 <br> Open-\*\*Loan failed High-Cost testing. After reviewing the lender's xxx report, the lender excluded fees from Section B paid to the Lender's Affiliate. - Due Diligence Vendor-07/14/2025 <br> Open- - Due Diligence Vendor-07/14/2025 <br> Open-This loan failed the high-cost mortgage pre-loan counseling date test due to one of the following findings: (12 CFR §1026.34(a)(5)(i), (ii))The loan is a xxx RESPA loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received either the good faith estimate or the disclosures required by 12 CFR §1026.40; orThe loan is a xxx TRID loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received either the initial loan estimate or the disclosures required by 12 CFR §1026.40; orThe loan is a chattel loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received the disclosures required by 12 CFR §1026.32; orThe High-Cost Mortgage Pre-Loan Counseling Date was not provided; orThe High-Cost Mortgage Pre-Loan Counseling Date is on or after the closing date or estimated closing date.Certification of counseling required. A creditor shall not extend a high-cost mortgage to a consumer unless the creditor receives written certification that the consumer has obtained counseling on the advisability of the mortgage from a counselor that is approved to provide such counseling by the Secretary of the U.S. Department of Housing and Urban Development or, if permitted by the Secretary, by a State housing finance authority.(ii) Timing of counseling. The counseling required under this paragraph (a)(5) must occur after:(A) The consumer receives either the disclosure required by section 5(c) of the Real Estate Settlement Procedures Act of 1974 (12 U.S.C. 2604(c)) or the disclosures required by §1026.40; or(B) The consumer receives the disclosures required by §1026.32(c), for transactions in which neither of the disclosures listed in (A) are provided. - Due Diligence Vendor-07/14/2025 <br> Open- - Due Diligence Vendor-07/14/2025 | Ready for Review-Document Uploaded. PCCD, invoice for recert and mavent. - Seller-07/16/2025<br>| Resolved-Invoice for Third party pass thru verification of charge shown paid to "affiliate", has been provided. Charge excluded from high cost test - Due Diligence Vendor-07/17/2025<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 - 28.25 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 30.41 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 28.25 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.1 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14705874 |  | D A C | A | A | Closed | finding-3393 | 2025-07-14 15:53 | 2025-07-17 12:17 | Resolved | 1 - Information C A | Compliance | Points & Fees | High-Cost Mortgage Points and Fees Threshold Test | Resolved-Invoice for Third party pass thru verification of charge shown paid to "affiliate", has been provided. Charge excluded from high cost test - Due Diligence Vendor-07/17/2025 <br> Resolved- - Due Diligence Vendor-07/17/2025 <br> Ready for Review-Document Uploaded. PCCD, invoice for recert and xxx. - Seller-07/16/2025 <br> Open-\*\*Loan failed High-Cost testing. After reviewing the lender's xxx report, the lender excluded fees from Section B paid to the Lender's Affiliate. - Due Diligence Vendor-07/14/2025 <br> Open- - Due Diligence Vendor-07/14/2025 <br> Open-This loan failed the high-cost mortgage points and fees threshold test due to one of the following findings: (12 CFR §1026.32(a)(1)(ii)(A), (B))The loan amount is xxx or more, and the transaction's total points and fees is xxx which exceeds 5 percent of the total loan amount of xxx; orThe loan amount is less than xxx and the transaction's total points and fees is xxx, which exceeds the lesser of 8 percent of the total loan amount of xxx or xxx. - Due Diligence Vendor-07/14/2025 <br> Open- - Due Diligence Vendor-07/14/2025 | Ready for Review-Document Uploaded. PCCD, invoice for recert and mavent. - Seller-07/16/2025<br>| Resolved-Invoice for Third party pass thru verification of charge shown paid to "affiliate", has been provided. Charge excluded from high cost test - Due Diligence Vendor-07/17/2025<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 - 28.25 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 30.41 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 28.25 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.1 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14705874 |  | D A C | A | A | Closed | finding-3399 | 2025-07-14 15:53 | 2025-07-17 12:17 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | High-Cost Mortgage Timing of Disclosure Test | Resolved-Invoice for Third party pass thru verification of charge shown paid to "affiliate", has been provided. Charge excluded from high cost test - Due Diligence Vendor-07/17/2025 <br> Resolved- - Due Diligence Vendor-07/17/2025 <br> Ready for Review-Document Uploaded. PCCD, invoice for recert and xxx. - Seller-07/16/2025 <br> Open-\*\*Loan failed High-Cost testing. After reviewing the lender's xxx report, the lender excluded fees from Section B paid to the Lender's Affiliate. - Due Diligence Vendor-07/14/2025 <br> Open- - Due Diligence Vendor-07/14/2025 <br> Open-This loan failed the high-cost mortgage timing of disclosure test due to one of the following findings: (12 CFR §1026.31(c))The High-Cost Mortgage Disclosure Date indicates the creditor did not furnish the disclosure required by 12 CFR §1026.32 at least three business days prior to the consummation or account opening of a high-cost mortgage; orThe High-Cost Mortgage Disclosure Date was not provided; orNeither the consummation date nor the closing date was provided. - Due Diligence Vendor-07/14/2025 <br> Open- - Due Diligence Vendor-07/14/2025 | Ready for Review-Document Uploaded. PCCD, invoice for recert and mavent. - Seller-07/16/2025<br>| Resolved-Invoice for Third party pass thru verification of charge shown paid to "affiliate", has been provided. Charge excluded from high cost test - Due Diligence Vendor-07/17/2025<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 - 28.25 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 30.41 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 28.25 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.1 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14705874 |  | D A C | A | A | Closed | FPRO1245 | 2025-07-14 11:18 | 2025-07-16 08:16 | Resolved | 1 - Information C A | Credit | Eligibility | Appraisal is Expired | Resolved-Primary Value Appraisal is Not Expired Or Primary Valuation Does Not Exist - Due Diligence Vendor-07/16/2025 <br>Ready for Review-Document Uploaded. recert of value - Seller-07/15/2025 <br>Open-Primary Value Appraisal is Expired - Due Diligence Vendor-07/14/2025 | Ready for Review-Document Uploaded. recert of value - Seller-07/15/2025<br>| Resolved-Primary Value Appraisal is Not Expired Or Primary Valuation Does Not Exist - Due Diligence Vendor-07/16/2025<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 - 28.25 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 30.41 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 28.25 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.1 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14705874 |  | D A C | A | A | Closed | FCRE1334 | 2025-07-14 12:50 | 2025-07-16 08:11 | 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-07/16/2025 <br>Ready for Review-Document Uploaded. signed - Buyer-07/15/2025 <br>Open-Borrower 1 Executed 4506-T Missing - Due Diligence Vendor-07/14/2025 |  | Resolved-Borrower 1 Executed 4506-T Resolved - Due Diligence Vendor-07/16/2025<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 - 28.25 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 30.41 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 28.25 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.1 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14705874 |  | D A C | A | A | Closed | FCRE1364 | 2025-07-14 12:50 | 2025-07-16 08:11 | 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-07/16/2025 <br>Ready for Review-Document Uploaded. signed 4506 - Seller-07/15/2025 <br>Open-Borrower 2 Executed 4506-T Missing - Due Diligence Vendor-07/14/2025 | Ready for Review-Document Uploaded. signed 4506 - Seller-07/15/2025<br>| Resolved-Borrower 2 Executed 4506-T Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-07/16/2025<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 - 28.25 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 30.41 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 28.25 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.1 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 15150868 |  | C B A | A | A | Closed | FCRE1440 | 2025-07-15 09:19 | 2025-07-16 13:34 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Approved Lender Exception: For SR Lien not in borrower's name or on credit report (in the name of spouse) is approved - Due Diligence Vendor-07/16/2025 <br>Ready for Review-Document Uploaded. - Buyer-07/15/2025 <br>Open-COVID Deferred, and First mortgage not in borrower name. Per 1008 exceptions approved, however documentation not provided. - Due Diligence Vendor-07/15/2025 |  | Waived-Approved Lender Exception: For SR Lien not in borrower's name or on credit report (in the name of spouse) is approved - Due Diligence Vendor-07/16/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 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 - 7.5 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.2% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.62 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 73.01 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.14 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Home Improvement/Reno | Originator Pre-Close | Yes | xxx |
| 12902169 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 11840191 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 13128108 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 12470452 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 15386908 | xxx | D A | N/A | N/A | Closed | FCRE1726 | 2025-07-11 21:02 | 2025-07-16 10:59 | Resolved | 1 - Information C A | Credit | Borrower | Potential Identity Issues identified in the file | Resolved-Permanent Resident Alien card provided. - Due Diligence Vendor-07/16/2025 <br>Ready for Review-Document Uploaded. - Seller-07/15/2025 <br>Open-Borrower showing as a Permanent Resident Alien, but no proper doc is provided to verify. - Due Diligence Vendor-07/12/2025 | Ready for Review-Document Uploaded. - Seller-07/15/2025<br>| Resolved-Permanent Resident Alien card provided. - Due Diligence Vendor-07/16/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.58 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.83% 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 - 5.47 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 45 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.2 |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 15386908 | xxx | D A | N/A | N/A | Closed | FCRE5782 | 2025-07-11 21:08 | 2025-07-16 10:57 | 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-07/16/2025 <br>Ready for Review-Document Uploaded. - Seller-07/15/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-07/12/2025 | Ready for Review-Document Uploaded. - Seller-07/15/2025<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-07/16/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.58 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.83% 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 - 5.47 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 45 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.2 |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 10043930 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 19797113 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 13209555 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18206034 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18211183 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 15896740 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 13711383 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 13000016 |  | B A | N/A | N/A | Closed | FVAL5474 | 2025-07-15 18:20 | 2025-07-15 18:20 | Waived | 2 - Non-Material B | Credit | Eligibility | Condo project is non-warrantable | Waived-Loan is underwritten to xxx guidelines and condo is non-warrantable per GSE. Non-Warrantable Condo not Allowed on 2nd xxx. Investor Concentration 80% where Concentration up to 60% is allowed. Higher percentages may be accepted when there is an established history of a high percentage of rental units in the project demonstrated. - Due Diligence Vendor-07/15/2025 |  | Waived-Loan is underwritten to xxx guidelines and condo is non-warrantable per GSE. Non-Warrantable Condo not Allowed on 2nd xxx. Investor Concentration 80% where Concentration up to 60% is allowed. Higher percentages may be accepted when there is an established history of a high percentage of rental units in the project demonstrated. - Due Diligence Vendor-07/15/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 17.50 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx 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 - Validated Months Reserves Of 33.49 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Validated Original CLTV Of 62.88% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More | Subject is located in an acceptable area of high investment concentration. Subject has low single investor entity concentration.<br> Strong fico score. Mtg history is 0x30x66 months. Low to minimal credit usage.<br> Low CLTV. Experienced investor | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxx |
| 14546416 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 19570003 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 11768557 | xxx | C B A | N/A | N/A | Closed | finding-2504 | 2025-07-15 07:48 | 2025-07-29 09:08 | Cured | 2 - Non-Material C B | Compliance | Points & Fees | TILA Foreclosure Rescission Finance Charge Test | Cured-Curative PCCD with principle reduction restitution received - Due Diligence Vendor-07/29/2025 <br> Ready for Review-Document Uploaded. - Seller-07/28/2025 <br> Open-\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*Finance Charge & APR Disclosed to the borrower in the provided Final Closing Disclosure date xxx do not include the prepaid interest in the Lender calculation. Violation Amount $xxx. Corrected Post Consummation Closing Disclosure with LOE, refund of $xxx, and proof of delivery required to cure to EV2-B. For rescindable transactions, re-opening of rescission and proof of receipt by borrower also required. - Due Diligence Vendor-07/17/2025 <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 $xxx. The disclosed finance charge of $xxx is not considered accurate for purposes of rescission because it is understated by more than $xxx. - Due Diligence Vendor-07/15/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/16/2025 <br> Open- - Due Diligence Vendor-07/16/2025 <br> Open- - Due Diligence Vendor-07/16/2025 <br> Open- - Due Diligence Vendor-07/16/2025 <br> Open- - Due Diligence Vendor-07/16/2025 <br> Open- - Due Diligence Vendor-07/16/2025 <br> Open- - Due Diligence Vendor-07/15/2025 <br> Open- - Due Diligence Vendor-07/15/2025 <br> Open- - Due Diligence Vendor-07/15/2025 | Ready for Review-Document Uploaded. - Seller-07/28/2025<br>| Cured-Curative PCCD with principle reduction restitution received - Due Diligence Vendor-07/29/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11768557 | xxx | C B A | N/A | N/A | Closed | finding-651 | 2025-07-15 07:48 | 2025-07-29 09:07 | Cured | 2 - Non-Material C B | Compliance | Points & Fees | TILA Finance Charge Test | Cured-Curative PCCD with principle reduction restitution received - Due Diligence Vendor-07/29/2025 <br> Ready for Review-Document Uploaded. - Seller-07/28/2025 <br> Open-\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*Finance Charge & APR Disclosed to the borrower in the provided Final Closing Disclosure date xxx do not include the prepaid interest in the Lender calculation. Violation Amount $xxx. Corrected Post Consummation Closing Disclosure with LOE, refund of $xxx, and proof of delivery required to cure to EV2-B. For rescindable transactions, re-opening of rescission and proof of receipt by borrower also required. - Due Diligence Vendor-07/17/2025 <br> Open-This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2))The finance charge is $xxx. The disclosed finance charge of $xxx is not considered accurate because it is understated by more than $xxx. - Due Diligence Vendor-07/15/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/16/2025 <br> Open- - Due Diligence Vendor-07/16/2025 <br> Open- - Due Diligence Vendor-07/16/2025 <br> Open- - Due Diligence Vendor-07/16/2025 <br> Open- - Due Diligence Vendor-07/16/2025 <br> Open- - Due Diligence Vendor-07/16/2025 <br> Open- - Due Diligence Vendor-07/15/2025 <br> Open- - Due Diligence Vendor-07/15/2025 <br> Open- - Due Diligence Vendor-07/15/2025 | Ready for Review-Document Uploaded. - Seller-07/28/2025<br>| Cured-Curative PCCD with principle reduction restitution received - Due Diligence Vendor-07/29/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 15750836 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 19801762 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 15336726 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno |  |  |  |
| 19457679 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 16543884 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 17964065 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 14492618 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18733561 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 15493261 | xxx | C A | A | A | Closed | FCRE1362 | 2025-07-16 14:45 | 2025-07-30 08:09 | Resolved | 1 - Information C A | Credit | Income | Borrower 2 Paystubs Less Than 1 Month Provided | Resolved-Borrower 2 Paystubs Greater Than or Equal To 1 Month Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-07/30/2025 <br> Ready for Review-Document Uploaded. - Seller-07/29/2025 <br> Open-Borrower 2 Paystubs Less Than 1 Month Provided Paystub found for B2 found on pg xxx are from xxx-xxx, 1 month paystub was not found in file - Due Diligence Vendor-07/16/2025 | Ready for Review-Document Uploaded. - Seller-07/29/2025<br>| Resolved-Borrower 2 Paystubs Greater Than or Equal To 1 Month Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-07/30/2025<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 - 33.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.43 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.09 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 30.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.73% 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 15493261 | xxx | C A | A | A | Closed | FCRE1332 | 2025-07-16 14:45 | 2025-07-30 08:09 | Resolved | 1 - Information C A | Credit | Income | Borrower 1 Paystubs Less Than 1 Month Provided | Resolved-Borrower 1 Paystubs Greater Than or Equal To 1 Month Provided - Due Diligence Vendor-07/30/2025 <br> Ready for Review-Document Uploaded. - Seller-07/29/2025 <br> Open-Borrower 1 Paystubs Less Than 1 Month Provided Paystubs for B1 found on pg xxx are from xxx-xxx, missing 1 month paystub - Due Diligence Vendor-07/16/2025 | Ready for Review-Document Uploaded. - Seller-07/29/2025<br>| Resolved-Borrower 1 Paystubs Greater Than or Equal To 1 Month Provided - Due Diligence Vendor-07/30/2025<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 - 33.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.43 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.09 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 30.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.73% 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 19659601 |  | D A | D | A | Closed | FCRE6546 | 2025-07-16 17:32 | 2025-07-21 07:20 | Resolved | 1 - Information D A | Property | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-1st Lien Mortgage statement provided. - Due Diligence Vendor-07/21/2025 <br>Ready for Review-Document Uploaded. Please see attached. Loan is on credit report. - Buyer-07/19/2025 <br>Open-Unable to locate supporting documentation to verify P and I payment as well as outstanding balance for senior lien. - Due Diligence Vendor-07/16/2025 |  | Resolved-1st Lien Mortgage statement provided. - Due Diligence Vendor-07/21/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 58.55 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 40.18% 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 0.11<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 - 10.00 Years |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 19659601 |  | D A | D | A | Closed | FCOM1206 | 2025-07-16 03:11 | 2025-07-21 07:19 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Note is Missing | Resolved-The Note is Present - Due Diligence Vendor-07/21/2025 <br>Ready for Review-Document Uploaded. see attached note - Buyer-07/18/2025 <br>Open-The Note is Missing in the file - Due Diligence Vendor-07/16/2025 |  | Resolved-The Note is Present - Due Diligence Vendor-07/21/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 58.55 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 40.18% 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 0.11<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 - 10.00 Years |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14339728 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18628495 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18287382 | xxx | D A | A | A | Closed | FCOM1274 | 2025-07-17 09:57 | 2025-07-18 08:08 | Resolved | 1 - Information D A | Compliance | Missing Doc - Federal Disclosure | Escrow Waiver is Missing | Resolved-Escrow Waiver is Present or Not Applicable - Due Diligence Vendor-07/18/2025 <br> Ready for Review-Document Uploaded. - Seller-07/17/2025 <br> Open-"\*\*\*\*\*\*\*\*• Final Closing Disclosure Page xxx escrow indicator failed to indicate ""borrower declined"" or ""Lender does not offer""." - Due Diligence Vendor-07/17/2025 | Ready for Review-Document Uploaded. - Seller-07/17/2025<br>| Resolved-Escrow Waiver is Present or Not Applicable - Due Diligence Vendor-07/18/2025<br>| Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.42 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 - 16.70 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.07% 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 13326401 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18228778 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 13631680 |  | D A | N/A | N/A | Closed | FCRE1161 | 2025-07-16 09:40 | 2025-07-24 09:54 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-07/24/2025 <br>Ready for Review-Flood Cert - Seller-07/23/2025 <br>Open-Missing Flood Certificate Provide the Flood Certificate for the subject property. - Due Diligence Vendor-07/16/2025 | Ready for Review-Flood Cert - Seller-07/23/2025<br>| Resolved-Flood Certificate is fully present - Due Diligence Vendor-07/24/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.7% 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 74.59% Is Below the Guideline Maximum Of 85% 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 - 6.00 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 - 12.56 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.96 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 - 5.45 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 13631680 |  | D A | N/A | N/A | Closed | FCRE5791 | 2025-07-17 15:58 | 2025-07-24 09:53 | 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-07/24/2025 <br> Ready for Review-Document Uploaded. - Seller-07/23/2025 <br> Open-Borrower 2 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). The Gap Credit report for the Co-Borrower is dated xxx which exceeds 15 days from the Note date of xxx. - Due Diligence Vendor-07/17/2025 | Ready for Review-Document Uploaded. - Seller-07/23/2025<br>| Resolved-Borrower 2 Gap Credit Report is not expired. - Due Diligence Vendor-07/24/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.7% 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 74.59% Is Below the Guideline Maximum Of 85% 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 - 6.00 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 - 12.56 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.96 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 - 5.45 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 15578274 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 17789299 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 15275351 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 13551604 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 10847833 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 10594306 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 18604756 |  | D A | A | A | Closed | FCRE1316 | 2025-07-17 10:56 | 2025-07-22 11:24 | 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-07/22/2025 <br> Ready for Review-Please reference the FVOE from the work number, page xxx of xxx in the closed-loan file. xxx. also owns xxx, which operates as a wholly owned subsidiary of xxx and is responsible for the company's convenient foods business unit. xxx. - Seller-07/21/2025 <br> Counter-Document Uploaded. Apologizes for the confusion, the Borrower is a wage earner and the File contains only a "xxx" of the Company, Missing VVOE 10 days prior to closing. - Due Diligence Vendor-07/18/2025 <br> Ready for Review-Can you please clarify this condition? Per the Final 1003, the employment matches. - Seller-07/18/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing VVOE for 10 days prior to closing or after closing. Internet printout is for the xxx but not borrower's employment. - Due Diligence Vendor-07/17/2025 | Ready for Review-Please reference the FVOE from the work number, page xxx of xxx in the closed-loan file. xxx. also owns xxx., which operates as a wholly owned subsidiary of xxx and is responsible for the company's convenient foods business unit. xxx. - Seller-07/21/2025 <br> Ready for Review-Can you please clarify this condition? Per the Final 1003, the employment matches. - Seller-07/18/2025 | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-07/22/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 28.00 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 - 28.95 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 - 28.95 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 16851714 |  | C A | N/A | N/A | Closed | finding-47 | 2025-07-16 15:26 | 2025-07-21 08:33 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-07/21/2025 <br> Ready for Review-Document Uploaded. - Seller-07/18/2025 <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. \*\*\*The Final CD shows a funding date of xxx - which is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date. - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/16/2025 | Ready for Review-Document Uploaded. - Seller-07/18/2025<br>| Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-07/21/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.01% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.93 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 51.03% Is Below the Guideline Maximum Of 75% 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 - 10.08 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 - 6.26 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 - 6.26 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 18818482 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 14129401 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 16784910 |  | D B A | N/A | N/A | Closed | FPRO1242 | 2025-07-18 16:52 | 2025-07-21 09:21 | Waived | 2 - Non-Material D B | Property | Missing Doc - Appraisal | Appraisal is Missing | Waived-Approved Lender Exception: Exception for 89% AVM Confidence factor. Guidelines requirement min 90% - Due Diligence Vendor-07/21/2025 <br> Ready for Review-Document Uploaded. Please see attached exception that was in the file and shipping package (see page xxx) - Buyer-07/19/2025 <br> Open-Full appraisal required when AVM has less than 90% Confidence Factor. AVM confidence score is at 89 - Due Diligence Vendor-07/18/2025 |  | Waived-Approved Lender Exception: Exception for 89% AVM Confidence factor. Guidelines requirement min 90% - Due Diligence Vendor-07/21/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.85% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.00 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.52 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 55.09% 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 - 15 Years | Low CLTV.<br> Low DTI using 24 month BS income doc type. <br> S/E business owner for 7+ yrs<br> Over $xxx residual income.<br> 160% pymnt shock.<br> paying off debt (monthly payment savings of $xxx) | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxx |
| 16811008 | xxx | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18809718 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18820752 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 17155106 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno |  |  |  |
| 19089776 |  | B A | N/A | N/A | Closed | FCRE1200 | 2025-07-18 11:07 | 2025-07-18 16:52 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Audited Loan Amount of xxx is less than the Guideline Minimum Loan Amount of xxx Lender approved Exception to allow the loan amount of $xxx which is less than the minimum of $xxx. - Due Diligence Vendor-07/18/2025 |  | Waived-Audited Loan Amount of xxx is less than the Guideline Minimum Loan Amount of xxx Lender approved Exception to allow the loan amount of $xxx which is less than the minimum of $xxx. - Due Diligence Vendor-07/18/2025 | Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.84 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 - 5.84 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.25 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months | The borrower's mortgage history dates back to xxx. No lates reporting on any tradelines. The borrower's LTV is only 75% with the maximum allowed of 80%. | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxx |
| 11201248 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 16414088 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 17870176 |  | D A | N/A | N/A | Closed | FCRE2109 | 2025-07-21 09:01 | 2025-07-22 14:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-07/22/2025 <br>Ready for Review-Document Uploaded. Please see attached that was in the loan file. - Buyer-07/22/2025 <br>Open-Missing Lender Worksheet or Bank Statement Summary 12 months Bank statement lender income worksheet is missing in loan file. - Due Diligence Vendor-07/21/2025 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-07/22/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.38% 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 - 14.60 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.61 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 69.74% 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 22.02 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 17556559 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 17050369 | xxx | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 10321445 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 18596354 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 15439007 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 15427729 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18487155 |  | C B A | A | A | Closed | finding-3631 | 2025-07-22 10:00 | 2025-08-01 07:57 | Cured | 2 - Non-Material C B | Compliance | Points & Fees | Reimbursement Amount Validation Test | Cured-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-08/01/2025 <br> Resolved- - Due Diligence Vendor-08/01/2025 <br> Ready for Review-Document Uploaded. - Seller-07/31/2025 <br> Counter-\*\*\* Recording charges of $xxx were disclosed to the borrower in the Initial Loan Estimate, establishing a 10% baseline of $xxx_. Final charge to borrower is $xxx. There is no correlating event evident (new Vesting deed, POA, etc.) to ratify the increase is valid change of circumstance. 10% tolerance cure in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-07/24/2025 <br> Ready for Review-Document Uploaded. Here's a copy of the MAVENT that was ran at funding, we didn't have any GFE violations. <br>xxx <br>- Seller-07/24/2025 <br> Open-\*\*\*Loan failed the Charges Cannot Increase more than 10% test due to the increase of the recording fee from $xxx to $xxx which exceeded the 10% threshold. - Due Diligence Vendor-07/22/2025 <br> Open- - Due Diligence Vendor-07/22/2025 <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-07/22/2025 <br> Open- - Due Diligence Vendor-07/22/2025 | Ready for Review-Document Uploaded. - Seller-07/31/2025 <br> Ready for Review-Document Uploaded. Here's a copy of the MAVENT that was ran at funding, we didn't have any GFE violations. <br>xxx<br>- Seller-07/24/2025 | Cured-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-08/01/2025<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 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 44.08% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 44.08% 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 18487155 |  | C B A | A | A | Closed | finding-3632 | 2025-07-22 10:00 | 2025-08-01 07:57 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-08/01/2025 <br> Resolved- - Due Diligence Vendor-08/01/2025 <br> Ready for Review-Document Uploaded. - Seller-07/31/2025 <br> Counter-\*\*\* Recording charges of $xxx were disclosed to the borrower in the Initial Loan Estimate, establishing a 10% baseline of $xxx_. Final charge to borrower is $xxx. There is no correlating event evident (new Vesting deed, POA, etc.) to ratify the increase is valid change of circumstance. 10% tolerance cure in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-07/24/2025 <br> Ready for Review-Document Uploaded. Here's a copy of the MAVENT that was ran at funding, we didn't have any GFE violations. <br>xxx<br>- Seller-07/24/2025 <br> Open-\*\*\*Loan failed the Charges Cannot Increase more than 10% test due to the increase of the recording fee from $xxx to $xxx which exceeded the 10% threshold. - Due Diligence Vendor-07/22/2025 <br> Open- - Due Diligence Vendor-07/22/2025 <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-07/22/2025 <br> Open- - Due Diligence Vendor-07/22/2025 | Ready for Review-Document Uploaded. - Seller-07/31/2025 <br> Ready for Review-Document Uploaded. Here's a copy of the MAVENT that was ran at funding, we didn't have any GFE violations. <br>xxx<br>- Seller-07/24/2025 | Resolved-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-08/01/2025<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 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 44.08% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 44.08% 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 18487155 |  | C B A | A | A | Closed | finding-3635 | 2025-07-22 10:00 | 2025-08-01 07:57 | Cured | 2 - Non-Material C B | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Cured-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-08/01/2025 <br> Resolved- - Due Diligence Vendor-08/01/2025 <br> Ready for Review-Document Uploaded. - Seller-07/31/2025 <br> Counter-\*\*\* Recording charges of $xxx were disclosed to the borrower in the Initial Loan Estimate, establishing a 10% baseline of $xxx_. Final charge to borrower is $xxx. There is no correlating event evident (new Vesting deed, POA, etc.) to ratify the increase is valid change of circumstance. 10% tolerance cure in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-07/24/2025 <br> Ready for Review-Document Uploaded. Here's a copy of the MAVENT that was ran at funding, we didn't have any GFE violations. <br>xxx<br>- Seller-07/24/2025 <br> Open-\*\*\*Loan failed the Charges Cannot Increase more than 10% test due to the increase of the recording fee from $xxx to $xxx which exceeded the 10% threshold. - Due Diligence Vendor-07/22/2025 <br> Open- - Due Diligence Vendor-07/22/2025 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($xxx) exceed the comparable charges ($xxx) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). - Due Diligence Vendor-07/22/2025 <br> Open- - Due Diligence Vendor-07/22/2025 | Ready for Review-Document Uploaded. - Seller-07/31/2025 <br> Ready for Review-Document Uploaded. Here's a copy of the MAVENT that was ran at funding, we didn't have any GFE violations. <br>xxx<br>- Seller-07/24/2025 | Cured-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-08/01/2025<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 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 44.08% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 44.08% 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 18822198 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 19638695 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 15209468 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 14906011 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 10879765 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 12556350 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 19381615 |  | D A | N/A | N/A | Closed | FCOM1206 | 2025-07-22 16:23 | 2025-07-24 13:52 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Note is Missing | Resolved-The Note is Present - Due Diligence Vendor-07/24/2025 <br>Ready for Review-Document Uploaded. - Seller-07/24/2025 <br>Open-The Note is Missing Provide the fully executed Note for the subject property. - Due Diligence Vendor-07/23/2025 | Ready for Review-Document Uploaded. - Seller-07/24/2025<br>| Resolved-The Note is Present - Due Diligence Vendor-07/24/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.58 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.18% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 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 0.06<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.69 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 31.25% 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 16210219 |  | D A | C | A | Closed | FPRO8376 | 2025-07-23 17:37 | 2025-08-05 14:49 | Resolved | 1 - Information C A | Property | Appraisal | Primary Value Product Not Allowable for 2nd Lien HPML | Resolved-Full appraisal provided. - Due Diligence Vendor-08/05/2025 <br>Ready for Review-Document Uploaded. - Seller-08/05/2025 <br>Counter-Document Uploaded. The appraisal states that the Subject Property is vacant however Images & Loan terms show Owner occupied. - Due Diligence Vendor-08/05/2025 <br>Ready for Review-Document Uploaded. - Seller-08/04/2025 <br>Open-Loan is a Higher Priced Mortgage Loan (HPML) 2nd lien and the original valuation product provided is an AVM. Per guidelines, a full appraisal is required. - Due Diligence Vendor-07/23/2025 | Ready for Review-Document Uploaded. - Seller-08/05/2025 <br>Ready for Review-Document Uploaded. - Seller-08/04/2025<br>| Resolved-Full appraisal provided. - Due Diligence Vendor-08/05/2025<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 - 6.23 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.51 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 76.49% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.24<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.33 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.46% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 16210219 |  | D A | C | A | Closed | FCRE7805 | 2025-07-23 18:02 | 2025-07-29 13:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Income - Bank Statements | Resolved-2 Month bank statements provided - Due Diligence Vendor-07/29/2025 <br>Ready for Review-Document Uploaded. - Seller-07/29/2025 <br>Open-Provide current check/check stub or bank statement showing deposits from each 1099 payor. - Due Diligence Vendor-07/23/2025 | Ready for Review-Document Uploaded. - Seller-07/29/2025<br>| Resolved-2 Month bank statements provided - Due Diligence Vendor-07/29/2025<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 - 6.23 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.51 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 76.49% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.24<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.33 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.46% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 19545587 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno |  |  |  |
| 11247862 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 13183841 | xxx | D A | N/A | N/A | Closed | FCRE5782 | 2025-07-23 13:17 | 2025-07-28 09:27 | 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-07/28/2025 <br> Ready for Review-Document Uploaded. - Seller-07/24/2025 <br> Open-Borrower 1 Gap Credit Report is Missing . Guidelines Sec xxx requires a gap credit report, soft-pull or undisclosed credit monitoring. This type of report is required if Note date is greater than 30 days (subject report is over 40 days)after the date of the credit report relied upon for underwriting. The gap credit report, soft-pull or final report for the undisclosed debt monitoring is to be dated within 15 days of the Note date.<br> - Due Diligence Vendor-07/23/2025 | Ready for Review-Document Uploaded. - Seller-07/24/2025<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-07/28/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 16.77 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 61.38% 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 - 29.33 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.15% 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 0.05<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.48 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.47 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 13183841 | xxx | D A | N/A | N/A | Closed | FCRE1145 | 2025-07-22 10:27 | 2025-07-28 09:21 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Solar Documents/contract provided - Due Diligence Vendor-07/28/2025 <br> Ready for Review-Document Uploaded. - Seller-07/25/2025 <br> Counter-Solar liens reporting on title. Per G/L the following additional documentation is required:<br> xxx Fixture Filing<br> • Copy of purchase agreement.<br> • xxx fixture filing, credit report & preliminary title report<br> • Appraiser may consider the solar panels as part of the value of the <br> property<br> • Financing balance must be included as part of the CLTV. Max CLTV <br> as shown on the matrix cannot be exceeded<br> • Monthly finance payments must be included in DTI calculation<br> • xxx fixture filing must be subordinated or xxx must be terminated<br> - Due Diligence Vendor-07/25/2025 <br> Ready for Review-Document Uploaded. - Seller-07/24/2025 <br> Open-Title Document is missing . At the time of review only the CPL was provided. - Due Diligence Vendor-07/22/2025 | Ready for Review-Document Uploaded. - Seller-07/25/2025 <br>Ready for Review-Document Uploaded. - Seller-07/24/2025<br>| Resolved-Solar Documents/contract provided - Due Diligence Vendor-07/28/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 16.77 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 61.38% 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 - 29.33 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.15% 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 0.05<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.48 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.47 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 13183841 | xxx | D A | N/A | N/A | Closed | FPRO1242 | 2025-07-23 13:08 | 2025-07-28 09:16 | Resolved | 1 - Information D A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal has been provided - Due Diligence Vendor-07/28/2025 <br> Ready for Review-Document Uploaded. - Seller-07/25/2025 <br> Counter-Only property inspection provided. Still missing AVM with a 90% Confidence Factor - Due Diligence Vendor-07/25/2025 <br> Ready for Review-Document Uploaded. - Seller-07/24/2025 <br> Open-Appraisal is Missing Provide AVM as required per guidelines. At the time of review only a PCI report was provided. Sec. xxx Appraisal Options state: Loan amounts < $xxx AVM with a 90% Confidence Factor and a Property Condition Inspection. - Due Diligence Vendor-07/23/2025 | Ready for Review-Document Uploaded. - Seller-07/25/2025 <br>Ready for Review-Document Uploaded. - Seller-07/24/2025<br>| Resolved-Appraisal has been provided - Due Diligence Vendor-07/28/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 16.77 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 61.38% 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 - 29.33 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.15% 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 0.05<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.48 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.47 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 13183841 | xxx | D A | N/A | N/A | Closed | FCOM1274 | 2025-07-24 10:05 | 2025-07-27 08:44 | Resolved | 1 - Information D A | Compliance | Missing Doc - Federal Disclosure | Escrow Waiver is Missing | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-07/27/2025 <br> Ready for Review-Document Uploaded. - Seller-07/25/2025 <br> Open-"\*\*\*\*\*\*\* Final Closing Disclosure Page xxx escrow indicator failed to indicate ""borrower declined"" or ""Lender does not offer""." - Due Diligence Vendor-07/24/2025 | Ready for Review-Document Uploaded. - Seller-07/25/2025<br>| Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-07/27/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 16.77 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 61.38% 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 - 29.33 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.15% 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 0.05<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.48 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.47 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 13183841 | xxx | D A | N/A | N/A | Closed | FCRE1503 | 2025-07-23 12:58 | 2025-07-25 13:05 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved- - Due Diligence Vendor-07/25/2025 <br> Ready for Review-Document Uploaded. - Seller-07/24/2025 <br> Open-. Provide documentation to evidence the 1st mortgage lien of $xxx monthly includes escrows as qualified. - Due Diligence Vendor-07/23/2025 | Ready for Review-Document Uploaded. - Seller-07/24/2025<br>|  | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 16.77 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 61.38% 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 - 29.33 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.15% 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 0.05<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.48 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.47 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 17274456 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 14096740 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 10366096 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 14324802 | xxx | C A | A | A | Closed | FCRE1253 | 2025-07-24 18:26 | 2025-08-01 11:55 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Property Tax Cert | Resolved-Borrower is tax exempt from property taxes. - Due Diligence Vendor-08/01/2025 <br> Ready for Review-Please note - Tax amount is not reflected because borrower is tax exempt, ask to refer to the tax assessment, where it is clearly mentioned borrower receiving tax exemption value of $xxx hence no taxes charged to the borrower. - Seller-08/01/2025 <br> Counter-The Documents provided do not reflect the Annual Taxes only "tax savings" - Missing Tax Cert showing the annual property taxes used to qualify the loan with. - Due Diligence Vendor-07/28/2025 <br> Ready for Review-Document Uploaded. - Seller-07/26/2025 <br> Open-Missing Property Tax Cert Missing tax cert for subject. - Due Diligence Vendor-07/24/2025 | Ready for Review-Please note - Tax amount is not reflected because borrower is tax exempt, ask to refer to the tax assessment, where it is clearly mentioned borrower receiving tax exemption value of $xxx hence no taxes charged to the borrower. - Seller-08/01/2025 <br> Ready for Review-Document Uploaded. - Seller-07/26/2025 | Resolved-Borrower is tax exempt from property taxes. - Due Diligence Vendor-08/01/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 44.44% 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 79.87% 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 19.41 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14996622 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 17896360 |  | C A | N/A | N/A | Closed | FCRE1193 | 2025-07-24 15:29 | 2025-08-11 12:47 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 43.92% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-08/11/2025 <br> Ready for Review-Document Uploaded. Please see attached revised 1008. xxx, xxx, and xxx are either in the name of one of the borrower's businesses OR at least has the mortgage payments paid by the business. Sufficient documentation was provided in the file to support. Also, the 2 xxx cards were paid off at closing. - Buyer-08/10/2025 <br> Counter-Document Uploaded. DTI of 50.61% is due to the Rent Loss & Consumer Debts totaling $xxx vs lenders 1008 of $xxx - Audited total Debts is $xxx higher. The 2 xxx Cards debts were excluded leaving $xxx + REO rent loss $xxx = $xxx - Due Diligence Vendor-07/31/2025 <br> Ready for Review-Please provide a copy of your worksheet to compare. Thanks! - Buyer-07/30/2025 <br> Open-The audited DTI is 50.61%. The total calculated monthly debt for the Borrower is $xxx. - Due Diligence Vendor-07/25/2025 <br> Open-Audited DTI of 50.61% exceeds Guideline DTI of 50% Audited DTI of 50.61%. The total calculated monthly debt is $xxx. - Due Diligence Vendor-07/25/2025 <br> Open-Audited DTI of 50.61% exceeds Guideline DTI of 50% . - Due Diligence Vendor-07/24/2025 |  | Resolved-Audited DTI of 43.92% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-08/11/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.4 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 43.92% 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 - 10.00 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 17896360 |  | C A | N/A | N/A | Closed | FCRE1176 | 2025-07-23 17:21 | 2025-07-28 11:59 | Resolved | 1 - Information C A | Credit | Insurance | HO6 Insurance Policy Effective Date is after the Note Date | Resolved-HO-6 Insurance Policy Effective Date of xxx is prior to or equal to the Note Date of xxx Or HO-6 Insurance Policy Effective Date Is Not Provided - Due Diligence Vendor-07/28/2025 <br> Ready for Review-Document Uploaded. policy is a renewal. see attached. - Buyer-07/25/2025 <br> Open-HO-6 Insurance Policy Effective Date of xxx is after the Note Date of xxx Provide the current HO-6 Insurance policy reflecting coverage prior to the Note date of xxx. - Due Diligence Vendor-07/23/2025 |  | Resolved-HO-6 Insurance Policy Effective Date of xxx is prior to or equal to the Note Date of xxx Or HO-6 Insurance Policy Effective Date Is Not Provided - Due Diligence Vendor-07/28/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.4 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 43.92% 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 - 10.00 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 13993989 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |  |
| 19384542 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 13037773 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 15681154 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 16874856 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 12478201 | xxx | C A | A | A | Closed | FPRO1245 | 2025-07-25 16:06 | 2025-07-30 08:54 | Resolved | 1 - Information C A | Credit | Eligibility | Appraisal is Expired | Resolved-Primary Value Appraisal is Not Expired Or Primary Valuation Does Not Exist - Due Diligence Vendor-07/30/2025 <br>Ready for Review-Document Uploaded. - Seller-07/29/2025 <br>Open-Primary Value Appraisal is Expired - Due Diligence Vendor-07/25/2025 | Ready for Review-Document Uploaded. - Seller-07/29/2025<br>| Resolved-Primary Value Appraisal is Not Expired Or Primary Valuation Does Not Exist - Due Diligence Vendor-07/30/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.98% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 0.11<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 - 18.05 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 - 26.00 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 17114841 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 15136741 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 14874630 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 11369768 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 13290450 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 13689251 |  | C A | A | A | Closed | FCRE5790 | 2025-07-25 17:11 | 2025-07-29 13:18 | 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-07/29/2025 <br> Ready for Review-Document Uploaded. The account showing in the pre-close report is an old account.<br>Thank you, <br> xxx<br>- Seller-07/29/2025 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-07/25/2025 | Ready for Review-Document Uploaded. The account showing in the pre-close report is an old account.<br>xxx<br>- Seller-07/29/2025 | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-07/29/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 43.93% 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 - 30 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.72% 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 - 36.36 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 - 41 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.31 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 16564430 |  | C B A | N/A | N/A | Closed | finding-3634 | 2025-07-25 17:09 | 2025-08-08 08:19 | Cured | 2 - Non-Material C B | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Cured-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-08/08/2025 <br> Resolved- - Due Diligence Vendor-08/08/2025 <br> Ready for Review-Document Uploaded. - Seller-08/07/2025 <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 $xxx.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). \*\*\*\*\*\*\*The following charges have been either added or increased: Fees paid to Lender Affiliate are subject to 0% tolerance. Settlement Closing fee payable to Lender Affiliate disclosed in Initial Loan Estimate at $xxx, increased in the Final Closing Disclosure to $xxx, resulting in a 0% tolerance violation of $xxx. Endorsement fee disclosed in the Initial Loan Estimate at$xxx, increased in the Final Closing Disclosure to 27.53, resulting in a 0% tolerance of $xxx. Cumulative % tolerance cure in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-07/25/2025 <br> Open- - Due Diligence Vendor-07/25/2025 <br> Open- - Due Diligence Vendor-07/25/2025 | Ready for Review-Document Uploaded. - Seller-08/07/2025<br>| Cured-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-08/08/2025<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 0.12<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 - 6.73 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.3 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 71.72% Is Below the Guideline Maximum Of 90% 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 - 18.50 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.55% 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | xxx |
| 16564430 |  | C B A | N/A | N/A | Closed | finding-3631 | 2025-07-25 17:09 | 2025-08-08 08:19 | Cured | 2 - Non-Material C B | Compliance | Points & Fees | Reimbursement Amount Validation Test | Cured-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-08/08/2025 <br> Resolved- - Due Diligence Vendor-08/08/2025 <br> Ready for Review-Document Uploaded. - Seller-08/07/2025 <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. \*\*\*\*\*\*\*The following charges have been either added or increased: Fees paid to Lender Affiliate are subject to 0% tolerance. Settlement Closing fee payable to Lender Affiliate disclosed in Initial Loan Estimate at $xxx, increased in the Final Closing Disclosure to $xxx, resulting in a 0% tolerance violation of $xxx. Endorsement fee disclosed in the Initial Loan Estimate at $xxx, increased in the Final Closing Disclosure to xxx, resulting in a 0% tolerance of $xxx. Cumulative % tolerance cure in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-07/25/2025 <br> Open- - Due Diligence Vendor-07/25/2025 <br> Open- - Due Diligence Vendor-07/25/2025 | Ready for Review-Document Uploaded. - Seller-08/07/2025<br>| Cured-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-08/08/2025<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 0.12<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 - 6.73 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.3 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 71.72% Is Below the Guideline Maximum Of 90% 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 - 18.50 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.55% 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | xxx |
| 16564430 |  | C B A | N/A | N/A | Closed | finding-3632 | 2025-07-25 17:09 | 2025-08-08 08:19 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-08/08/2025 <br> Resolved- - Due Diligence Vendor-08/08/2025 <br> Ready for Review-Document Uploaded. - Seller-08/07/2025 <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. \*\*\*\*\*\*\*The following charges have been either added or increased: Fees paid to Lender Affiliate are subject to 0% tolerance. Settlement Closing fee payable to Lender Affiliate disclosed in Initial Loan Estimate at $xxx, increased in the Final Closing Disclosure to $xxx, resulting in a 0% tolerance violation of $xxx. Endorsement fee disclosed in the Initial Loan Estimate at$xxx, increased in the Final Closing Disclosure to xxx, resulting in a 0% tolerance of $xxx. Cumulative % tolerance cure in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-07/25/2025 <br> Open- - Due Diligence Vendor-07/25/2025 <br> Open- - Due Diligence Vendor-07/25/2025 | Ready for Review-Document Uploaded. - Seller-08/07/2025<br>| Resolved-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-08/08/2025<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 0.12<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 - 6.73 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.3 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 71.72% Is Below the Guideline Maximum Of 90% 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 - 18.50 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.55% 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | xxx |
| 17352992 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno |  |  |  |
| 19699734 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 10171320 |  | C A | A | A | Closed | FCRE1193 | 2025-07-28 10:33 | 2025-07-29 14:37 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Updated 1008 provided. - Due Diligence Vendor-07/29/2025 <br> Ready for Review-Document Uploaded. - Seller-07/29/2025 <br> Open-DTI discrepancy due to lender using full PITIA payment of $xxx for senior lien vs principal & interest payment of $xxx per the mortgage statement provided. DTI discrepancy of audit 34.23% vs lender 41.45%. Provide updated 1008 reflecting correct figures. - Due Diligence Vendor-07/28/2025 | Ready for Review-Document Uploaded. - Seller-07/29/2025<br>| Resolved-Updated 1008 provided. - Due Diligence Vendor-07/29/2025<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 0.12<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.81 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 72.18% Is Below the Guideline Maximum Of 90% 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 - 25.42 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.23% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 10171320 |  | C A | A | A | Closed | FCOM4227 | 2025-07-24 17:53 | 2025-07-29 10:11 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-07/29/2025 <br> Ready for Review-Document Uploaded. Disclosure Tracking for ALL CDs was provided in the closed-loan package, starting on page xxx. The Revised CD sent with the closing docs can be located on page xxx, the Final COC can be located on page xxx. I've uploaded the Initial CD-COC and the Final CD. That makes the complete CD package. - Seller-07/29/2025 <br> Open-\*\*\*\*\*\*\*\*\*\*\*• Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation) is missing. Revised Closing Disclosure(s) with associated Changed Circumstance Detail form(s) are missing, if any. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings.<br>Please provide entire initial disclosure package for review - Due Diligence Vendor-07/27/2025 | Ready for Review-Document Uploaded. Disclosure Tracking for ALL CDs was provided in the closed-loan package, starting on page xxx. The Revised CD sent with the closing docs can be located on page xxx, the Final COC can be located on page xxx. I've uploaded the Initial CD-COC and the Final CD. That makes the complete CD package. - Seller-07/29/2025 | Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-07/29/2025<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 0.12<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.81 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 72.18% Is Below the Guideline Maximum Of 90% 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 - 25.42 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.23% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 15086569 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 11785482 |  | C A | A | A | Closed | FCRE8611 | 2025-07-25 16:55 | 2025-07-30 14:55 | Resolved | 1 - Information C A | Credit | Income | Income/Employment General | Resolved-Updated 1008 & 1003 Provided - Due Diligence Vendor-07/30/2025 <br> Ready for Review-Document Uploaded. - Seller-07/30/2025 <br> Counter-Apologizes for the confusion, should have stated needing "an" updated 1008 reflecting audited ratios due to UW and Lender used 60 mos vs 84 - DTI discrepancy of audit 39.54% vs lender 33.77% due to difference. - Due Diligence Vendor-07/29/2025 <br> Ready for Review-'Please see attached Income worksheet and updated 1008" - I do not see an updated 1008 that was attached. Only the income worksheet. Please advise... - Seller-07/29/2025 <br> Counter-Document Uploaded. Please see attached Income worksheet and updated 1008 reflecting audited ratios due to UW and Lender used 60 mos vs 84. DTI discrepancy of audit 39.54% vs lender 33.77% due to difference. - Due Diligence Vendor-07/29/2025 <br> Ready for Review-If this just a FYI? Or do we need to redo our worksheet and final 1003? Is there a pricing adjustment for the higher DTI of 39.54%.<br> Also please provide lender income worksheet to compare with ours. xxx, xxx Underwriter<br> - Seller-07/29/2025 <br> Open-Income #2 for asset depletion was not calculated correctly. Per guidelines : Allowable and documented assets are divided by 84 months to determine amount added to <br> qualifying income. UW and Lender used 60 mos vs 84. DTI discrepancy of audit 39.54% vs lender 33.77% due to difference. - Due Diligence Vendor-07/28/2025 | Ready for Review-Document Uploaded. - Seller-07/30/2025 <br> Ready for Review-'Please see attached Income worksheet and updated 1008" - I do not see an updated 1008 that was attached. Only the income worksheet. Please advise... - Seller-07/29/2025 <br> Ready for Review-If this just a FYI? Or do we need to redo our worksheet and final 1003? Is there a pricing adjustment for the higher DTI of 39.54%.<br> Also please provide lender income worksheet to compare with ours. xxx<br> - Seller-07/29/2025 | Resolved-Updated 1008 & 1003 Provided - Due Diligence Vendor-07/30/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17.22 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 63.05 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 40.75% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.54% 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 0.1<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.22 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14939869 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 13458952 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 10989572 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 17463536 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 10906349 |  | D A | A | A | Closed | FCOM1232 | 2025-07-24 18:56 | 2025-07-29 07:57 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-07/29/2025 <br>Ready for Review-Document Uploaded. - Seller-07/28/2025 <br>Open-The Final 1003 is Missing - Due Diligence Vendor-07/24/2025 | Ready for Review-Document Uploaded. - Seller-07/28/2025<br>| Resolved-The Final 1003 is Present - Due Diligence Vendor-07/29/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.63% 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 - 12.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.06 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 - 5.00 Years | The Final 1003 is Missing | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14799693 |  | D A | N/A | N/A | Closed | FCRE1316 | 2025-07-25 16:00 | 2025-08-05 10:56 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-07/31/2025 <br>Ready for Review-Document Uploaded. - Seller-07/31/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Provide VOE for Verify the Employment. - Due Diligence Vendor-07/25/2025 | Ready for Review-Document Uploaded. - Seller-07/31/2025<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-07/31/2025<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>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 - 5.79 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.33 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 34.41% Is Below the Guideline Maximum Of 70% By Ten Percent (10%) or More |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14799693 |  | D A | N/A | N/A | Closed | FCRE1325 | 2025-07-25 16:00 | 2025-08-05 10:56 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-08/05/2025 <br> Ready for Review-Document Uploaded. - Seller-08/04/2025 <br> Counter-CPA Letter is missing if they are the (xxx Tax Education Council) or EA (Enrolled Agent) - Just states License #xxx (Email chain states EA agent being used) - Due Diligence Vendor-07/31/2025 <br> Ready for Review-Document Uploaded. - Seller-07/31/2025 <br> Open-Borrower 1 CPA Letter Missing Business license for the past 2 years.<br> A signed letter from the CPA, CTEC (xxx Tax Education Council) or EA (Enrolled Agent) on <br> their business letterhead showing address, phone number, and license number is required <br> with the following information:<br> CPA/CTEC/EA confirms they have prepared the most recent year's business tax <br> return filing; and, <br> The business name, borrower's name, and percentage of business ownership by <br> the borrower - Due Diligence Vendor-07/25/2025 | Ready for Review-Document Uploaded. - Seller-08/04/2025 <br>Ready for Review-Document Uploaded. - Seller-07/31/2025<br>| Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-08/05/2025<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>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 - 5.79 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.33 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 34.41% Is Below the Guideline Maximum Of 70% By Ten Percent (10%) or More |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14799693 |  | D A | N/A | N/A | Closed | FCRE1326 | 2025-07-25 16:00 | 2025-08-05 10:56 | 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-07/31/2025 <br>Ready for Review-Document Uploaded. - Seller-07/31/2025 <br>Open-Borrower 1 YTD Profit & Loss Missing CPA/CTEC/EA signed/prepared Profit and Loss Statement(s) covering the most recent 12 <br> month period. PTIN's are not acceptable to sign/prepare P&L statements - Due Diligence Vendor-07/25/2025 | Ready for Review-Document Uploaded. - Seller-07/31/2025<br>| Resolved-Borrower 1 YTD Profit & Loss Resolved - Due Diligence Vendor-07/31/2025<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>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 - 5.79 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.33 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 34.41% Is Below the Guideline Maximum Of 70% By Ten Percent (10%) or More |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14799693 |  | D A | N/A | N/A | Closed | FCRE3978 | 2025-07-28 11:44 | 2025-07-31 14:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Letter of Explanation (Credit) missing or unexecuted | Resolved-LOX provided. - Due Diligence Vendor-07/31/2025 <br> Ready for Review-Document Uploaded. - Seller-07/31/2025 <br> Open-Please provide letter of explanation for credit inquiries. LOE on CR xxx has not been completed or signed. - Due Diligence Vendor-07/28/2025 | Ready for Review-Document Uploaded. - Seller-07/31/2025<br>| Resolved-LOX provided. - Due Diligence Vendor-07/31/2025<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>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 - 5.79 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.33 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 34.41% Is Below the Guideline Maximum Of 70% By Ten Percent (10%) or More |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14799693 |  | D A | N/A | N/A | Closed | FCRE1145 | 2025-07-25 16:33 | 2025-07-30 10:45 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-07/30/2025 <br>Ready for Review-Document Uploaded. - Seller-07/29/2025 <br>Open-Title Document is missing Please provided Title Documents for the subject property. Currently not in credit package at the time of review. - Due Diligence Vendor-07/25/2025 | Ready for Review-Document Uploaded. - Seller-07/29/2025<br>| Resolved-Title Document is fully Present - Due Diligence Vendor-07/30/2025<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>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 - 5.79 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.33 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 34.41% Is Below the Guideline Maximum Of 70% By Ten Percent (10%) or More |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 16300985 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 10992285 |  | C A | N/A | N/A | Closed | FCRE1193 | 2025-07-28 14:49 | 2025-08-12 10:05 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 49.44% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-08/12/2025 <br>Ready for Review-Document Uploaded. Please see attached. Updated bank statement worksheet to reflect the correct 12 months, updated the W2 worksheet to use the YTD figure for qualifying, and provided a revised 1008. - Buyer-08/10/2025 <br>Open-Audited DTI of 50.59% exceeds Guideline DTI of 50% - Due Diligence Vendor-07/28/2025 |  | Resolved-Audited DTI of 49.44% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-08/12/2025<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 - 38.60 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 38.60 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 23.85 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.97 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 68.07% 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 - 20.00 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 10992285 |  | C A | N/A | N/A | Closed | FCOM3957 | 2025-07-28 16:10 | 2025-07-30 10:51 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Initial Loan Estimate not provided within 3 days of application | Resolved-ILE received, data entered, no additional compliance findings. - Due Diligence Vendor-07/30/2025 <br>Ready for Review-Document Uploaded. see attached. - Seller-07/29/2025 <br>Open-Initial Loan Estimate required to be provided to the consumer within 3 business days after application, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-07/28/2025 | Ready for Review-Document Uploaded. see attached. - Seller-07/29/2025<br>| Resolved-ILE received, data entered, no additional compliance findings. - Due Diligence Vendor-07/30/2025<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 - 38.60 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 38.60 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 23.85 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.97 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 68.07% 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 - 20.00 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 10992285 |  | C A | N/A | N/A | Closed | FCOM1797 | 2025-07-28 06:10 | 2025-07-30 10:51 | Resolved | 1 - Information B A | Compliance | Missing Doc | Service Provider List is Missing | Resolved-Initial Disclosure Package provided - Due Diligence Vendor-07/30/2025 <br>Ready for Review-uploaded to different condition - Buyer-07/29/2025 <br>Open-Service Provider list is missing. \*\*\*\*\*\*\* Please provide entire initial disclosure package for review - Due Diligence Vendor-07/28/2025 |  | Resolved-Initial Disclosure Package provided - Due Diligence Vendor-07/30/2025<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 - 38.60 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 38.60 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 23.85 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.97 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 68.07% 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 - 20.00 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 10992285 |  | C A | N/A | N/A | Closed | FCOM1266 | 2025-07-28 06:04 | 2025-07-30 10:50 | Resolved | 1 - Information B A | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-07/30/2025 <br>Ready for Review-uploaded to different condition - Buyer-07/29/2025 <br>Open-Homeownership Counseling Disclosure Is Missing . \*\*\*\*\*\*\* Please provide entire initial disclosure package for review - Due Diligence Vendor-07/28/2025 |  | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-07/30/2025<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 - 38.60 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 38.60 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 23.85 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.97 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 68.07% 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 - 20.00 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 15374567 |  | D A | A | A | Closed | FCOM1220 | 2025-07-25 06:53 | 2025-07-29 07:36 | 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-07/29/2025 <br>Ready for Review-Document Uploaded. - Seller-07/28/2025 <br>Open-The Deed of Trust is Missing. - Due Diligence Vendor-07/25/2025 | Ready for Review-Document Uploaded. - Seller-07/28/2025<br>| Resolved-The Deed of Trust is Present - Due Diligence Vendor-07/29/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.07% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More. Calculated DTI Of 44.07% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points. Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 52.05 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 52.05 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 - 52.05 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 52.05 Years<br> Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.00 Years Borrower At Current Residence For Five (5) Or More Years - 11.00 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11704412 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 13118550 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 14548498 |  | C A | N/A | N/A | Closed | FCRE7000 | 2025-07-28 16:18 | 2025-07-30 12:54 | Resolved | 1 - Information C A | Credit | Assets | Insufficient Total Liquid Assets Available for Close | Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-07/30/2025 <br> Ready for Review-Document Uploaded. - Seller-07/30/2025 <br> Open-Total Liquid Assets Available for Close of $xxx is less than Total Cash to Close $xxx. No asset statements provided. No assets stated on 1003. - Due Diligence Vendor-07/28/2025 | Ready for Review-Document Uploaded. - Seller-07/30/2025<br>| Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-07/30/2025<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 - 10.06 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 29.00 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 52.8% 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 - 7.17 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>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.4% 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxx |
| 13232041 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 19048264 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 16226513 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Refinance | Cash Out - Other |  |  |  |
| 11294453 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 10473516 | xxx | B A | A | A | Closed | finding-3367 | 2025-07-29 16:57 | 2025-07-31 07:42 | Resolved | 1 - Information B A | Compliance | Disclosures (Federal, State, and Data Dependent) | RESPA Homeownership Counseling Organizations Disclosure Date Test | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-07/31/2025 <br>Ready for Review-Document Uploaded. - Seller-07/30/2025 <br>Open-\*\*\*\*\*\*\* Please provide entire initial disclosure package for review - Due Diligence Vendor-07/29/2025 <br>Open- - Due Diligence Vendor-07/29/2025 <br>Open- - Due Diligence Vendor-07/29/2025 | Ready for Review-Document Uploaded. - Seller-07/30/2025<br>| Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-07/31/2025<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> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.27% 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> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.23 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 17366513 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 17763511 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 16303035 |  | D A | A | A | Closed | FCRE1201 | 2025-07-29 13:11 | 2025-07-30 14:26 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-07/30/2025 <br>Ready for Review-Document Uploaded. - Seller-07/30/2025 <br>Open-Missing Third Party Fraud Report. - Due Diligence Vendor-07/29/2025 | Ready for Review-Document Uploaded. - Seller-07/30/2025<br>| Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-07/30/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of xxx 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 - 6.00 Years Borrower At Current Residence For Five (5) Or More Years - 6.00 Years<br> Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments<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 - 14.35 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.35 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 - 14.85 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.85 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 16303035 |  | D A | A | A | Closed | FCRE9814 | 2025-07-28 21:53 | 2025-07-30 14:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Trust Agreement missing or unexecuted | Resolved-Trust agreement provided. - Due Diligence Vendor-07/30/2025 <br>Ready for Review-Document Uploaded. - Seller-07/30/2025 <br>Open-Missing Trust Agreement. - Due Diligence Vendor-07/29/2025 | Ready for Review-Document Uploaded. - Seller-07/30/2025<br>| Resolved-Trust agreement provided. - Due Diligence Vendor-07/30/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of xxx 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 - 6.00 Years Borrower At Current Residence For Five (5) Or More Years - 6.00 Years<br> Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments<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 - 14.35 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.35 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 - 14.85 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.85 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 10001464 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Refinance | Cash Out - Other |  |  |  |
| 18584389 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 10186153 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 10288701 |  | D A | N/A | N/A | Closed | FCRE1826 | 2025-07-28 17:34 | 2025-08-04 12:12 | Resolved | 1 - Information D A | Credit | Missing Doc | US Driver's License or other US or foreign government-issued photo ID Missing | Resolved-Documents provided. - Due Diligence Vendor-08/04/2025 <br>Ready for Review-Document Uploaded. Please see green card documentation - Buyer-08/03/2025 <br>Open-Permanent Resident Alien card Proof of document missing. - Due Diligence Vendor-07/28/2025 |  | Resolved-Documents provided. - Due Diligence Vendor-08/04/2025<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 0.07<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.32 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 10288701 |  | D A | N/A | N/A | Closed | FCRE1503 | 2025-07-28 17:32 | 2025-08-04 12:09 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Final HUD Note & First payment letter provided. - Due Diligence Vendor-08/04/2025 <br> Ready for Review-Document Uploaded. Please see attached final docs from the recent refinance. Current mortgage statement not available. - Buyer-08/03/2025 <br> Open-xxx REO Property Mortgage statement(A/C-xxx) is missing. - Due Diligence Vendor-07/28/2025 |  | Resolved-Final HUD Note & First payment letter provided. - Due Diligence Vendor-08/04/2025<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 0.07<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.32 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 13113573 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 10087819 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |  |
| 11517700 |  | D A B | N/A | N/A | Closed | FCRE2109 | 2025-07-29 14:20 | 2025-08-04 11:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-08/04/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-08/03/2025 <br>Open-Missing Lender Worksheet or Bank Statement Summary Missing Lender Worksheet - Due Diligence Vendor-07/29/2025 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-08/04/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.64% 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 25.92 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 - 5.45 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11517700 |  | D A B | N/A | N/A | Closed | FCOM1797 | 2025-07-29 10:03 | 2025-07-31 08:49 | Resolved | 1 - Information B A | Compliance | Missing Doc | Service Provider List is Missing | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-07/31/2025 <br>Ready for Review-Document Uploaded. see attached SPL - Buyer-07/30/2025 <br>Open-Service provider List is missing - Due Diligence Vendor-07/29/2025 |  | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-07/31/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.64% 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 25.92 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 - 5.45 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11517700 |  | D A B | N/A | N/A | Closed | FCOM1266 | 2025-07-29 10:02 | 2025-07-31 08:46 | Resolved | 1 - Information B A | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-07/31/2025 <br>Ready for Review-Document Uploaded. attached disclosure - Buyer-07/30/2025 <br>Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-07/29/2025 |  | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-07/31/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.64% 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 25.92 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 - 5.45 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 13291478 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 16181300 |  | D A | A | A | Closed | FCRE1316 | 2025-07-28 05:27 | 2025-07-30 09:56 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-07/30/2025 <br>Ready for Review-Document Uploaded. - Seller-07/29/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-07/28/2025 | Ready for Review-Document Uploaded. - Seller-07/29/2025<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-07/30/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.00 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.69% 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 16449442 |  | C B A | A | A | Closed | finding-3631 | 2025-07-29 07:02 | 2025-08-08 07:46 | Cured | 2 - Non-Material C B | Compliance | Points & Fees | Reimbursement Amount Validation Test | Cured-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-08/08/2025 <br> Resolved- - Due Diligence Vendor-08/08/2025 <br> Ready for Review-Document Uploaded. - Seller-08/07/2025 <br> Open-\*\*\*\*\*\*\*\*\*Fees paid to Affiliate, Empower Settlement, in Final Closing Disclosure (Closing fee xxx + wire fee xxx) are subject to 0% tolerance. Fees were not disclosed to the borrower in the Initial Loan Estimate. 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-07/29/2025 <br> Open- - Due Diligence Vendor-07/29/2025 <br> Open- - Due Diligence Vendor-07/29/2025 <br> Open- - Due Diligence Vendor-07/29/2025 <br> Open- - Due Diligence Vendor-07/29/2025 <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-07/29/2025 <br> Open- - Due Diligence Vendor-07/29/2025 | Ready for Review-Document Uploaded. - Seller-08/07/2025<br>| Cured-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-08/08/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.08 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 - 12.30 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 - 12.30 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 36.16% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.22% 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 16449442 |  | C B A | A | A | Closed | finding-3634 | 2025-07-29 07:02 | 2025-08-08 07:45 | Cured | 2 - Non-Material C B | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Cured-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-08/08/2025 <br> Resolved- - Due Diligence Vendor-08/08/2025 <br> Ready for Review-Document Uploaded. - Seller-08/07/2025 <br> Open-\*\*\*\*\*\*\*\*\*Fees paid to Affiliate, Empower Settlement, in Final Closing Disclosure (Closing fee xxx + wire fee xxx) are subject to 0% tolerance. Fees were not disclosed to the borrower in the Initial Loan Estimate. 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-07/29/2025 <br> Open- - Due Diligence Vendor-07/29/2025 <br> Open- - Due Diligence Vendor-07/29/2025 <br> Open- - Due Diligence Vendor-07/29/2025 <br> Open- - Due Diligence Vendor-07/29/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-07/29/2025 <br> Open- - Due Diligence Vendor-07/29/2025 | Ready for Review-Document Uploaded. - Seller-08/07/2025<br>| Cured-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-08/08/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.08 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 - 12.30 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 - 12.30 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 36.16% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.22% 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 16449442 |  | C B A | A | A | Closed | finding-3632 | 2025-07-29 07:02 | 2025-08-08 07:44 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-08/08/2025 <br> Resolved- - Due Diligence Vendor-08/08/2025 <br> Ready for Review-Document Uploaded. - Seller-08/07/2025 <br> Open-\*\*\*\*\*\*\*\*\*Fees paid to Affiliate, Empower Settlement, in Final Closing Disclosure (Closing fee xxx + wire fee xxx) are subject to 0% tolerance. Fees were not disclosed to the borrower in the Initial Loan Estimate. 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-07/29/2025 <br> Open- - Due Diligence Vendor-07/29/2025 <br> Open- - Due Diligence Vendor-07/29/2025 <br> Open- - Due Diligence Vendor-07/29/2025 <br> Open- - Due Diligence Vendor-07/29/2025 <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-07/29/2025 <br> Open- - Due Diligence Vendor-07/29/2025 | Ready for Review-Document Uploaded. - Seller-08/07/2025<br>| Resolved-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-08/08/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.08 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 - 12.30 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 - 12.30 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 36.16% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.22% 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 12807583 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18041798 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 19490766 |  | D A | N/A | N/A | Closed | FCRE1193 | 2025-07-30 21:20 | 2025-08-26 14:02 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 47.17% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-08/26/2025 <br> Ready for Review-Rebut-current lease for subject used to offset the PITIA. 1007 not required at the time of underwrite. - Seller-08/26/2025 <br> Counter-Document Uploaded. Audited DTI of 57.3% exceeds Guideline DTI of 50% - For Subject Property Market Rents, what is being used?, as File does not contain a schedule Rents due AVM in file only. Subject Rent loss being used is the Full PITIA $xxx vs Lenders 1008 stating $xxx - Break down: Subject property rent loss $xxx - additional REO rent loss $xxx + other debts $$xxx - Total Monthly Liabilities $xxx vs Lenders $xxx - That's a difference of $xxx. - Due Diligence Vendor-08/19/2025 <br> Open-Audited DTI of 57.3% exceeds Guideline DTI of 50% - Due Diligence Vendor-08/19/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-08/18/2025 <br> Counter-Document Uploaded. The Image provided (Lenders manual calculations) is unreadable, Please upload a clear image - Due Diligence Vendor-08/14/2025 <br> Ready for Review-Document Uploaded. Please see attached Audited REO workshee - Buyer-08/13/2025 <br> Counter-Document Uploaded. Please see attached Audited REO worksheet - Due Diligence Vendor-08/11/2025 <br> Ready for Review-Document Uploaded. Rebut-please see attached. I checked each one individually and confirmed that the figures in the file were correct. NOTE-xxx and xxx were escrowed, and the properties on xxx doubled up in the insurance policies (i.e., xxx and xxx were on the same policy, xxx and xxx were on one, and xxx and xxx were on one policy). - Seller-08/10/2025 <br> Open-Audited DTI of 54.69% exceeds Guideline DTI of 50% Audited DTI of 54.69% exceeds Guideline DTI of 50%. Appears lenders schedule of REO does not match documentation in the loan file. - Due Diligence Vendor-07/31/2025 | Ready for Review-Rebut-current lease for subject used to offset the PITIA. 1007 not required at the time of underwrite. - Seller-08/26/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-08/18/2025 <br> Ready for Review-Document Uploaded. Rebut-please see attached. I checked each one individually and confirmed that the figures in the file were correct. NOTE-xxx and xxx were escrowed, and the properties on xxx doubled up in the insurance policies (i.e., xxx and xxx were on the same policy, xxx and xxx were on one, and xxx and xxx were on one policy). - Seller-08/10/2025 | Resolved-Audited DTI of 47.17% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-08/26/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 35.06 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 35.06 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years Borrower At Current Residence For Five (5) Or More Years - 5.00 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 69.94% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Original CLTV Of 69.94% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br> Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 19490766 |  | D A | N/A | N/A | Closed | FCRE1180 | 2025-07-30 18:07 | 2025-08-04 13:21 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | HO-6 Insurance Policy is Missing | Resolved-HO-6 Insurance Policy is fully present - Due Diligence Vendor-08/04/2025 <br>Ready for Review-Document Uploaded. Rebut-please see attached. The master insurance policy has walls in coverage. HO6 not required. - Seller-08/03/2025 <br>Open-HO-6 Insurance Policy is Missing, Master Policy provided. - Due Diligence Vendor-07/30/2025 | Ready for Review-Document Uploaded. Rebut-please see attached. The master insurance policy has walls in coverage. HO6 not required. - Seller-08/03/2025<br>| Resolved-HO-6 Insurance Policy is fully present - Due Diligence Vendor-08/04/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 35.06 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 35.06 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years Borrower At Current Residence For Five (5) Or More Years - 5.00 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 69.94% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Original CLTV Of 69.94% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br> Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 17216540 |  | B A | A | A | Closed | FCRE1182 | 2025-07-30 11:32 | 2025-08-04 14:01 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-08/04/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-08/04/2025 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-07/30/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-08/04/2025<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 0.11<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 54.84 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 - 17574 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 - 23.56 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 13287255 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 18153271 |  | D A | N/A | N/A | Closed | FCRE1201 | 2025-07-30 16:15 | 2025-08-01 14:25 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-08/01/2025 <br>Ready for Review-Document Uploaded. - Seller-08/01/2025 <br>Open-Missing Third Party Fraud Report. OFAC search was in file only - Due Diligence Vendor-07/30/2025 | Ready for Review-Document Uploaded. - Seller-08/01/2025<br>| Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-08/01/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 15.63% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Original LTV Of 15.63% Is Below The Guideline Maximum Of 85% 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 - 13.92 Years Borrower At Current Residence For Five (5) Or More Years - 13.92 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 13348391 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 18937697 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 13985166 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 10347314 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 15732542 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 10602978 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 13589659 | xxx | D A | A | A | Closed | FCOM1274 | 2025-08-01 11:39 | 2025-08-08 09:32 | Resolved | 1 - Information D A | Compliance | Missing Doc - Federal Disclosure | Escrow Waiver is Missing | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-08/08/2025 <br> Ready for Review-Document Uploaded. - Seller-08/07/2025 <br> Open-"\*\*\*\*\*\*\*\*• Final Closing Disclosure Page xxx escrow indicator failed to indicate ""borrower declined"" or ""Lender does not offer""." - Due Diligence Vendor-08/01/2025 | Ready for Review-Document Uploaded. - Seller-08/07/2025<br>| Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-08/08/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.25 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 59.98% 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 18.39 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 - 5.90 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.07% 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 19128278 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 15244053 | xxx | D A | N/A | N/A | Closed | FCRE1157 | 2025-08-01 15:47 | 2025-08-07 13:06 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-08/07/2025 <br> Ready for Review-Document Uploaded. - Seller-08/06/2025 <br> Counter-The Policy provided is from xxx-xxx Missing prior HOI Policy as subject Loan is a Primary Refi with a disbursement date of xxx - Due Diligence Vendor-08/05/2025 <br> Ready for Review-Document Uploaded. - Seller-08/04/2025 <br> Open-Missing Hazard Insurance Policy Provide the Hazard Insurance Policy for the subject property. - Due Diligence Vendor-08/01/2025 | Ready for Review-Document Uploaded. - Seller-08/06/2025 <br>Ready for Review-Document Uploaded. - Seller-08/04/2025<br>| Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-08/07/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 18 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.2 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 29.75% 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11097209 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 17399236 |  | C A | N/A | N/A | Closed | finding-3632 | 2025-08-04 13:28 | 2025-09-04 19:50 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Finding resolved. Borrower LOX provided stating debts were for "home improvement" of subject from renovation. Home Improvement loan noted on credit - borrower does not own personal residence. As cash proceeds determined to be for business use, this can be considered Business Purpose and findings are N/A. - Due Diligence Vendor-09/04/2025 <br> Counter-\*\*Lender provided LOE from the borrower stating the c/o proceeds and payoffs were business purpose. The LOE alone does not resolve the findings. The Final CD indicates consumer debt being paid off which results in determination of consumer purpose use of the cash-out proceeds. - Due Diligence Vendor-09/03/2025 <br> Ready for Review-responded to a previous comment with an LOE for business purpose. - Seller-09/02/2025 <br> Open-\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*Paying personal debts in close make loan "consumer purpose" and subject to full compliance testing. Initial Closing Disclosure issued and received by borrower on xxx, violates the consumer 3 business days prior to consummation rule. ---- COC event cannot be valid within an initial closing disclosure timing violation - Due Diligence Vendor-08/04/2025 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-08/04/2025 <br> Open- - Due Diligence Vendor-08/04/2025 | Ready for Review-responded to a previous comment with an LOE for business purpose. - Seller-09/02/2025<br>| Resolved-Finding resolved. Borrower LOX provided stating debts were for "home improvement" of subject from renovation. Home Improvement loan noted on credit - borrower does not own personal residence. As cash proceeds determined to be for business use, this can be considered Business Purpose and findings are N/A. - Due Diligence Vendor-09/04/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.24% 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 74.84% 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 9.98 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 17399236 |  | C A | N/A | N/A | Closed | finding-3631 | 2025-08-04 13:28 | 2025-09-04 19:49 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Finding resolved. Borrower LOX provided stating debts were for "home improvement" of subject from renovation. Home Improvement loan noted on credit - borrower does not own personal residence. As cash proceeds determined to be for business use, this can be considered Business Purpose and findings are N/A. - Due Diligence Vendor-09/04/2025 <br> Counter-\*\*Lender provided LOE from the borrower stating the c/o proceeds and payoffs were business purpose. The LOE alone does not resolve the findings. The Final CD indicates consumer debt being paid off which results in determination of consumer purpose use of the cash-out proceeds. - Due Diligence Vendor-09/03/2025 <br> Ready for Review-responded to a previous comment with an LOE for business purpose. - Seller-09/02/2025 <br> Open-\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*Paying personal debts in close make loan "consumer purpose" and subject to full compliance testing. Initial Closing Disclosure issued and received by borrower on xxx, violates the consumer 3 business days prior to consummation rule. ---- COC event cannot be valid within an initial closing disclosure timing violation - Due Diligence Vendor-08/04/2025 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-08/04/2025 <br> Open- - Due Diligence Vendor-08/04/2025 | Ready for Review-responded to a previous comment with an LOE for business purpose. - Seller-09/02/2025<br>| Resolved-Finding resolved. Borrower LOX provided stating debts were for "home improvement" of subject from renovation. Home Improvement loan noted on credit - borrower does not own personal residence. As cash proceeds determined to be for business use, this can be considered Business Purpose and findings are N/A. - Due Diligence Vendor-09/04/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.24% 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 74.84% 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 9.98 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 17399236 |  | C A | N/A | N/A | Closed | finding-3634 | 2025-08-04 13:28 | 2025-09-04 19:49 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-Finding resolved. Borrower LOX provided stating debts were for "home improvement" of subject from renovation. Home Improvement loan noted on credit - borrower does not own personal residence. As cash proceeds determined to be for business use, this can be considered Business Purpose and findings are N/A. - Due Diligence Vendor-09/04/2025 <br> Counter-\*\*Lender provided LOE from the borrower stating the c/o proceeds and payoffs were business purpose. The LOE alone does not resolve the findings. The Final CD indicates consumer debt being paid off which results in determination of consumer purpose use of the cash-out proceeds. - Due Diligence Vendor-09/03/2025 <br> Ready for Review-responded to a previous comment with an updated LOE explaining it's business purposes. - Buyer-09/02/2025 <br> Open-\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*Paying personal debts in close make loan "consumer purpose" and subject to full compliance testing. Initial Closing Disclosure issued and received by borrower on xxx, violates the consumer 3 business days prior to consummation rule. ---- COC event cannot be valid within an initial closing disclosure timing violation - Due Diligence Vendor-08/04/2025 <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 $xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-08/04/2025 <br> Open- - Due Diligence Vendor-08/04/2025 |  | Resolved-Finding resolved. Borrower LOX provided stating debts were for "home improvement" of subject from renovation. Home Improvement loan noted on credit - borrower does not own personal residence. As cash proceeds determined to be for business use, this can be considered Business Purpose and findings are N/A. - Due Diligence Vendor-09/04/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.24% 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 74.84% 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 9.98 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 17399236 |  | C A | N/A | N/A | Closed | finding-3532 | 2025-08-04 13:28 | 2025-09-04 19:47 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-Finding resolved. Borrower LOX provided stating debts were for "home improvement" of subject from renovation. Home Improvement loan noted on credit - borrower does not own personal residence. As cash proceeds determined to be for business use, this can be considered Business Purpose and findings are N/A. - Due Diligence Vendor-09/04/2025 <br> Counter-\*\*Lender provided LOE from the borrower stating the c/o proceeds and payoffs were business purpose. The LOE alone does not resolve the findings. The Final CD indicates consumer debt being paid off which results in determination of consumer purpose use of the cash-out proceeds. - Due Diligence Vendor-09/03/2025 <br> Ready for Review-Document Uploaded. uploaded LOE for the cash out for business purpose. - Buyer-09/02/2025 <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. \*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*Paying personal debts in close make loan "consumer purpose" and subject to full compliance testing. Initial Closing Disclosure issued and received by borrower on xxx, violates the consumer 3 business days prior to consummation rule. - Due Diligence Vendor-08/04/2025 <br> Open- - Due Diligence Vendor-08/04/2025 |  | Resolved-Finding resolved. Borrower LOX provided stating debts were for "home improvement" of subject from renovation. Home Improvement loan noted on credit - borrower does not own personal residence. As cash proceeds determined to be for business use, this can be considered Business Purpose and findings are N/A. - Due Diligence Vendor-09/04/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.24% 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 74.84% 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 9.98 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 12374485 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 13399457 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 14251224 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 18401713 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18141574 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 11893083 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18580763 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18889748 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 15111899 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 13333550 |  | D A | A | A | Closed | FCRE1322 | 2025-08-04 13:07 | 2025-08-13 12:15 | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower 1 Business Tax Returns Missing | Resolved-xxx Business Tax Returns provided - Due Diligence Vendor-08/13/2025 <br> Ready for Review-Document Uploaded. - Seller-08/12/2025 <br> Open-Missing xxx Business tax returns for xxx - Due Diligence Vendor-08/04/2025 | Ready for Review-Document Uploaded. - Seller-08/12/2025<br>| Resolved-xxx Business Tax Returns provided - Due Diligence Vendor-08/13/2025 | 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 - 35.00 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.43 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 0.0<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.11% 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 - 7.33 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 37.56 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 16102711 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 13012458 |  | D A | A | A | Closed | FCRE1468 | 2025-08-01 21:15 | 2025-08-05 14:34 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 2 Missing | Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-08/05/2025 <br> Ready for Review-Document Uploaded. removed xxx statement as not required for program .. see attached updated 1003 for xxx - Buyer-08/05/2025 <br> Open-Asset 2 Missing Provide most recent bank statement for xxx #xxx to verify account balance of $xxx. - Due Diligence Vendor-08/02/2025 |  | Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-08/05/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.46 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 56.7% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19<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 - 42.84 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.7% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 13012458 |  | D A | A | A | Closed | FCRE5790 | 2025-08-04 18:23 | 2025-08-05 14:32 | 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-08/05/2025 <br> Ready for Review-Document Uploaded. credit refresh xxx - Buyer-08/05/2025 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-08/04/2025 |  | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-08/05/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.46 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 56.7% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19<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 - 42.84 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.7% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 13012458 |  | D A | A | A | Closed | FCRE5791 | 2025-08-04 18:23 | 2025-08-05 14:32 | 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-08/05/2025 <br> Ready for Review-Document Uploaded. credit refresh xxx - Buyer-08/05/2025 <br> Open-Borrower 2 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-08/04/2025 |  | Resolved-Borrower 2 Gap Credit Report is not expired. - Due Diligence Vendor-08/05/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.46 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 56.7% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19<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 - 42.84 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.7% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 18515972 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 12006059 |  | D A | A | A | Closed | FCRE1201 | 2025-08-04 08:49 | 2025-08-04 14:19 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-08/04/2025 <br> Ready for Review-Document Uploaded. - Seller-08/04/2025 <br> Open-Missing Third Party Fraud Report OFAC was only fraud report in file pxxx - Due Diligence Vendor-08/04/2025 | Ready for Review-Document Uploaded. - Seller-08/04/2025<br>| Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-08/04/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 42.94 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 42.94 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 - 13.50 Years Borrower At Current Residence For Five (5) Or More Years - 13.50 Years |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 16367949 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 19719418 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 15931865 |  | D A | N/A | N/A | Closed | FCRE7497 | 2025-08-01 19:38 | 2025-08-07 09:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Property report & HOI policy provided (Free & Clear) - Due Diligence Vendor-08/07/2025 <br> Ready for Review-Document Uploaded. Please see attached. Mortgage is reflected on credit report. - Buyer-08/06/2025 <br> Open-For the Following Property xxx-xxx - Due Diligence Vendor-08/01/2025 |  | Resolved-Property report & HOI policy provided (Free & Clear) - Due Diligence Vendor-08/07/2025<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 - 30.00 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 23.56 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.39% 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 - 33.25 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 58.22% 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 39.64 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 17782296 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 14802362 |  | D A | N/A | N/A | Closed | FCRE5770 | 2025-08-04 12:58 | 2025-08-07 09:22 | 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-08/07/2025 <br>Ready for Review-Document Uploaded. Please see attached - Buyer-08/06/2025 <br>Open-Borrower 1 Credit Report is Missing. - Due Diligence Vendor-08/04/2025 |  | Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-08/07/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 76.1% 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 21.34 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 - 20.67 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.16 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11199914 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 16418414 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 11035940 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 16570395 |  | D A | N/A | N/A | Closed | FCRE7497 | 2025-08-04 17:49 | 2025-08-13 09:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Corrected 1003, 1008 & Approval provided. - Due Diligence Vendor-08/13/2025 <br> Ready for Review-Document Uploaded. Please see attached. The payment information between the 2 properties was mixed up. Revised DTI is 49.196% - Seller-08/12/2025 <br> Counter-The PITIA listed on the Updated 1008 for the Subject Primary states 1st Lien P&I as $xxx however the Mortgage statement stated P&I as $xxx + Subject 2nd Lien $xxx = $xxx + Tax Cert $xxx & HOI $xxx - Total PITIA $xxx - 1008 states $xxx - Also the subject property does not reflect HOA fees however $xxx was added to the primary residence total. The $xxx HOA fee should be included for the REO property of xxx #xxx. which brings the Total REO property PITIA to $-xxx in negative rent loss. - Due Diligence Vendor-08/11/2025 <br> Ready for Review-Document Uploaded. Please see attached revised 1008 and proof of monthly HOA dues. - Seller-08/10/2025 <br> Open-Missing proof of HOA for xxx #xxx - Due Diligence Vendor-08/04/2025 | Ready for Review-Document Uploaded. Please see attached. The payment information between the 2 properties was mixed up. Revised DTI is 49.196% - Seller-08/12/2025 <br>Ready for Review-Document Uploaded. Please see attached revised 1008 and proof of monthly HOA dues. - Seller-08/10/2025<br>| Resolved-Corrected 1003, 1008 & Approval provided. - Due Diligence Vendor-08/13/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 79.54% 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 16.6 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 - 7.59 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 0.24<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 16570395 |  | D A | N/A | N/A | Closed | FCRE1316 | 2025-08-04 08:36 | 2025-08-11 11:28 | 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-08/08/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-08/07/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-08/04/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-08/07/2025<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-08/08/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 79.54% 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 16.6 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 - 7.59 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 0.24<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 16570395 |  | D A | N/A | N/A | Closed | FCRE1347 | 2025-08-04 08:36 | 2025-08-11 11:28 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-08/08/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-08/07/2025 <br>Open-Borrower 2 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-08/04/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-08/07/2025<br>| Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-08/08/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 79.54% 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 16.6 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 - 7.59 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 0.24<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 13169426 |  | C A | C | A | Closed | FPRO1136 | 2025-08-05 09:16 | 2025-08-15 07:37 | Resolved | 1 - Information C A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved- - Due Diligence Vendor-08/15/2025 <br> Ready for Review-Document Uploaded. Paid receipts for the straps will also work since the borrower installed it themselves. Please see attached receipt.<br>Thank you,<br> --<br> xxx<br>- Seller-08/14/2025 <br> Counter-Document Uploaded. xxx states (under bulletin point) One of the following: Signature of the qualified professional, A professionally prepared report "or" paid invoices for the alterations or repairs. - Due Diligence Vendor-08/13/2025 <br> Ready for Review-Document Uploaded. - Seller-08/13/2025 <br> Counter-LOE provided from borrower with 2 images reflecting the borrower added the water heater straps themselves. To verify the local codes, for the home's safety or soundness have been met, 1004D or work order of professional installation is required. - Due Diligence Vendor-08/12/2025 <br> Ready for Review-Document Uploaded. - Seller-08/12/2025 <br> Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not fully Present. Appraiser is done subject to installing seismic straps on the water heater. - Due Diligence Vendor-08/05/2025 | Ready for Review-Document Uploaded. Paid receipts for the straps will also work since the borrower installed it themselves. Please see attached receipt.<br>Thank you,<br> --<br> xxx<br>- Seller-08/14/2025 <br> Ready for Review-Document Uploaded. - Seller-08/13/2025 <br> Ready for Review-Document Uploaded. - Seller-08/12/2025 |  | 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 - 18.26 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18.17 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.00 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 15018250 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 17360143 |  | C A | A | A | Closed | finding-3406 | 2025-08-05 13:26 | 2025-08-10 09:41 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | High-Cost Mortgage Pre-Loan Counseling Date Test | Resolved-xxx excluded as verified paid to nonaffiliate - Due Diligence Vendor-08/10/2025 <br> Resolved- - Due Diligence Vendor-08/10/2025 <br> Ready for Review-Document Uploaded. Please let investor know that of the $xxx title Insurance policy charge, $xxx of it is paid to Stewart Title and provide the attached as proof (but they should already have it). <br> Thank you, <br>xxx<br>- Seller-08/08/2025 <br> Open-\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\* High Cost test include charges paid to lender, broker and lender affiliate. High Cost fees include: Lender fee xxx + Discount points xxx + lender policy xxx + closing fee xxx + title update fee. ~~~~~ if any discounts points are bona fide and can be excluded, start/par rate must be provided. if any fees paid to affiliate are "pass thru" to a third party, invoice or other documentation must be provided. - Due Diligence Vendor-08/05/2025 <br> Open- - Due Diligence Vendor-08/05/2025 <br> Open- - Due Diligence Vendor-08/05/2025 <br> Open-This loan failed the high-cost mortgage pre-loan counseling date test due to one of the following findings: (12 CFR §1026.34(a)(5)(i), (ii))The loan is a 2010 RESPA loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received either the good faith estimate or the disclosures required by 12 CFR §1026.40; orThe loan is a xxx TRID loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received either the initial loan estimate or the disclosures required by 12 CFR §1026.40; orThe loan is a chattel loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received the disclosures required by 12 CFR §1026.32; orThe High-Cost Mortgage Pre-Loan Counseling Date was not provided; orThe High-Cost Mortgage Pre-Loan Counseling Date is on or after the closing date or estimated closing date.Certification of counseling required. A creditor shall not extend a high-cost mortgage to a consumer unless the creditor receives written certification that the consumer has obtained counseling on the advisability of the mortgage from a counselor that is approved to provide such counseling by the Secretary of the U.S. Department of Housing and Urban Development or, if permitted by the Secretary, by a State housing finance authority.(ii) Timing of counseling. The counseling required under this paragraph (a)(5) must occur after:(A) The consumer receives either the disclosure required by section 5(c) of the Real Estate Settlement Procedures Act of 1974 (12 U.S.C. 2604(c)) or the disclosures required by §1026.40; or(B) The consumer receives the disclosures required by §1026.32(c), for transactions in which neither of the disclosures listed in (A) are provided. - Due Diligence Vendor-08/05/2025 <br> Open- - Due Diligence Vendor-08/05/2025 | Ready for Review-Document Uploaded. Please let investor know that of the $xxx title Insurance policy charge, $xxx of it is paid to xxx and provide the attached as proof (but they should already have it). <br> Thank you, <br>xxx<br>- Seller-08/08/2025 | Resolved-xxx excluded as verified paid to nonaffiliate - Due Diligence Vendor-08/10/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.12 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 41.54% 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 17360143 |  | C A | A | A | Closed | finding-3399 | 2025-08-05 13:26 | 2025-08-10 09:41 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | High-Cost Mortgage Timing of Disclosure Test | Resolved-xxx excluded as verified paid to nonaffiliate - Due Diligence Vendor-08/10/2025 <br> Resolved- - Due Diligence Vendor-08/10/2025 <br> Ready for Review-Document Uploaded. Please let investor know that of the $xxx title Insurance policy charge, $xxx of it is paid to Stewart Title and provide the attached as proof (but they should already have it). <br> Thank you, <br>xxx<br>- Seller-08/08/2025 <br> Open-\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\* High Cost test include charges paid to lender, broker and lender affiliate. High Cost fees include: Lender fee xxx + Discount points xxx + lender policy xxx + closing fee xxx + title update fee. ~~~~~ if any discounts points are bona fide and can be excluded, start/par rate must be provided. if any fees paid to affiliate are "pass thru" to a third party, invoice or other documentation must be provided. - Due Diligence Vendor-08/05/2025 <br> Open- - Due Diligence Vendor-08/05/2025 <br> Open- - Due Diligence Vendor-08/05/2025 <br> Open-This loan failed the high-cost mortgage timing of disclosure test due to one of the following findings: (12 CFR §1026.31(c))The High-Cost Mortgage Disclosure Date indicates the creditor did not furnish the disclosure required by 12 CFR §1026.32 at least three business days prior to the consummation or account opening of a high-cost mortgage; orThe High-Cost Mortgage Disclosure Date was not provided; orNeither the consummation date nor the closing date was provided. - Due Diligence Vendor-08/05/2025 <br> Open- - Due Diligence Vendor-08/05/2025 | Ready for Review-Document Uploaded. Please let investor know that of the $xxx title Insurance policy charge, $xxx of it is paid to xxxand provide the attached as proof (but they should already have it). <br> Thank you, <br>xxx<br>- Seller-08/08/2025 | Resolved-xxx excluded as verified paid to nonaffiliate - Due Diligence Vendor-08/10/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.12 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 41.54% 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 17360143 |  | C A | A | A | Closed | finding-3408 | 2025-08-05 13:26 | 2025-08-10 09:41 | Resolved | 1 - Information C A | Compliance | Points & Fees | High-Cost Mortgage Late Fee Test | Resolved-7.80 excluded as verified paid to nonaffiliate - Due Diligence Vendor-08/10/2025 <br> Resolved- - Due Diligence Vendor-08/10/2025 <br> Ready for Review-Document Uploaded. Please let investor know that of the $xxx title Insurance policy charge, $xxx of it is paid to Stewart Title and provide the attached as proof (but they should already have it). <br>xxx<br>- Seller-08/08/2025 <br> Counter-Document Uploaded. CE report uploaded for your reference. Thank you - Due Diligence Vendor-08/07/2025 <br> Ready for Review-Can you please provide a copy of the test that was run for our review? Thank you! - Seller-08/06/2025 <br> Open-\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\* High Cost test include charges paid to lender, broker and lender affiliate. High Cost fees include: Lender fee xxx + Discount points xxx + lender policy xxx + closing fee xxx + title update fee. ~~~~~ if any discounts points are bona fide and can be excluded, start/par rate must be provided. if any fees paid to affiliate are "pass thru" to a third party, invoice or other documentation must be provided. - Due Diligence Vendor-08/05/2025 <br> Open- - Due Diligence Vendor-08/05/2025 <br> Open- - Due Diligence Vendor-08/05/2025 <br> Open-This loan failed the high-cost mortgage late charges test for one of the following reasons: (12 CFR §1026.34(a)(8)(i))The loan provides for a late payment fee in excess of 4% of the amount of the payment past due; orA value for the late charges amount was not provided.Any late payment charge imposed in connection with a high-cost mortgage must be specifically permitted by the terms of the loan contract or open-end credit agreement and may not exceed 4 percent of the amount of the payment past due. No such charge may be imposed more than once for a single late payment. - Due Diligence Vendor-08/05/2025 <br> Open- - Due Diligence Vendor-08/05/2025 | Ready for Review-Document Uploaded. Please let investor know that of the $xxx title Insurance policy charge, $xxx of it is paid to xxx and provide the attached as proof (but they should already have it). <br>xxx<br>- Seller-08/08/2025 <br> Ready for Review-Can you please provide a copy of the test that was run for our review? Thank you! - Seller-08/06/2025 | Resolved-xxx excluded as verified paid to nonaffiliate - Due Diligence Vendor-08/10/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.12 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 41.54% 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 17360143 |  | C A | A | A | Closed | finding-3393 | 2025-08-05 13:26 | 2025-08-10 09:41 | Resolved | 1 - Information C A | Compliance | Points & Fees | High-Cost Mortgage Points and Fees Threshold Test | Resolved-7.80 excluded as verified paid to nonaffiliate - Due Diligence Vendor-08/10/2025 <br> Resolved- - Due Diligence Vendor-08/10/2025 <br> Ready for Review-Document Uploaded. Please let investor know that of the $xxx title Insurance policy charge, $xxx of it is paid to Stewart Title and provide the attached as proof (but they should already have it). <br> Thank you, <br>xxx<br>- Seller-08/08/2025 <br> Open-\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\* High Cost test include charges paid to lender, broker and lender affiliate. High Cost fees include: Lender fee xxx + Discount points xxx + lender policy xxx + closing fee xxx + title update fee. ~~~~~ if any discounts points are bona fide and can be excluded, start/par rate must be provided. if any fees paid to affiliate are "pass thru" to a third party, invoice or other documentation must be provided. - Due Diligence Vendor-08/05/2025 <br> Open- - Due Diligence Vendor-08/05/2025 <br> Open- - Due Diligence Vendor-08/05/2025 <br> Open-This loan failed the high-cost mortgage points and fees threshold test due to one of the following findings: (12 CFR §1026.32(a)(1)(ii)(A), (B))The loan amount is $xxx or more, and the transaction's total points and fees is $xxx, which exceeds 5 percent of the total loan amount of $xxx; orThe loan amount is less than $xxx and the transaction's total points and fees is $xxx, which exceeds the lesser of 8 percent of the total loan amount of $xxx or $xxx. - Due Diligence Vendor-08/05/2025 <br> Open- - Due Diligence Vendor-08/05/2025 | Ready for Review-Document Uploaded. Please let investor know that of the $xxx title Insurance policy charge, $xxx of it is paid to xxx and provide the attached as proof (but they should already have it). <br> Thank you, <br>xxx<br>- Seller-08/08/2025 | Resolved-xxx excluded as verified paid to nonaffiliate - Due Diligence Vendor-08/10/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.12 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 41.54% 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 17332780 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 12463000 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 14097487 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18933350 |  | C A | N/A | N/A | Closed | FCRE1437 | 2025-08-05 11:16 | 2025-08-07 09:12 | Resolved | 1 - Information C A | Credit | Income | Income and Employment Do Not Meet Guidelines | Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-08/07/2025 <br> Ready for Review-Document Uploaded. xxx account ending in #xxx - Seller-08/06/2025 <br> Open-Income and Employment Do Not Meet Guidelines Missing bank statement used to qualify xxx account ending in #xxx. This is a 12 months bank statement income loan however only 11 months most recent bank statements are in file.- Company named xxx. - Due Diligence Vendor-08/05/2025 | Ready for Review-Document Uploaded. xxx personal account ending in #xxx - Seller-08/06/2025 | Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-08/07/2025<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 - 5.37 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 - 15.08 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 56.41% Is Below the Guideline Maximum Of 85% 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 - 8.5 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 15164501 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 17896883 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 10514312 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 15955340 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno |  |  |  |
| 15166352 | xxx | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 14454618 | xxx | D A | A | A | Closed | FCRE5782 | 2025-08-05 10:02 | 2025-08-08 10:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-08/08/2025 <br>Ready for Review-Document Uploaded. - Seller-08/07/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-08/05/2025 | Ready for Review-Document Uploaded. - Seller-08/07/2025<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-08/08/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.00 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.26% 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 0.1<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 - 13.00 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 13700634 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno |  |  |  |
| 12948205 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 17412880 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18184172 |  | C A | N/A | N/A | Closed | FCRE1155 | 2025-08-05 08:42 | 2025-08-11 10:03 | Resolved | 1 - Information C A | Credit | Insurance | Subject Property Address on Note does not match Insured Property Address | Resolved-HOI Policy provided. - Due Diligence Vendor-08/11/2025 <br> Ready for Review-Document Uploaded. - Seller-08/08/2025 <br> Open-Subject Property on Note does not match Insured Property Address on Hazard Policy. Policy #xxx fails to list xxx. as an covered/insured property. - Due Diligence Vendor-08/05/2025 | Ready for Review-Document Uploaded. - Seller-08/08/2025<br>| Resolved-HOI Policy provided. - Due Diligence Vendor-08/11/2025<br>| Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Qualifying FICO Of xxx 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 54.21 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 54.21 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 - 19.42 Years Borrower At Current Residence For Five (5) Or More Years - 19.42 Years |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 13650681 |  | D B A | A | A | Closed | finding-697 | 2025-08-05 07:28 | 2025-08-22 12:28 | Cured | 2 - Non-Material C B | Compliance | Points & Fees | GAFLA 3/2003 High Cost Home Loan Points and Fees Threshold Test | Cured-Unintentional violation or bona fide error due to points and fees charged. Lender issued a restitution check, specific LOE, PCCD and proof of delivery, has been provided. - Due Diligence Vendor-08/22/2025 <br> Resolved- - Due Diligence Vendor-08/22/2025 <br> Ready for Review-This loan has terms that exceed the high-cost home loan points and fees threshold. (xxx 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 $xxx or more.The lesser of 8 percent of the total loan amount or $xxx if the total loan amount is less than $xxx. - Due Diligence Vendor-08/22/2025 <br> Open- - Due Diligence Vendor-08/22/2025 <br> Ready for Review-Document Uploaded. - Seller-08/22/2025 <br> Counter-Our calculations match the information in your Mavent page xxx. Your Mavent only issued an Alert, however, the information provided in your Mavent alert states "This is a xxx High Cost Loan." - Due Diligence Vendor-08/13/2025 <br> Ready for Review-Can you please show me your math? This doesn't seem right. Our compliance report says we are fine. - Seller-08/12/2025 <br> Open-This loan has terms that exceed the high-cost home loan points and fees threshold. (xxx 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 $xxx or more.The lesser of 8 percent of the total loan amount or $xxx if the total loan amount is less than $xxx. \*\*\*\*\*\*\*\*\*\*\*\*\*\*This is a xxx High Cost Loan. The loan fees ($xxx) exceed the (xxx) High Cost fee limit, which is ($xxx), the difference is ($xxx). Federal Total Loan Amount: $xxx - Due Diligence Vendor-08/07/2025 <br> Open- - Due Diligence Vendor-08/07/2025 <br> Open- - Due Diligence Vendor-08/05/2025 | Ready for Review-Document Uploaded. - Seller-08/22/2025 <br>Ready for Review-Can you please show me your math? This doesn't seem right. Our compliance report says we are fine. - Seller-08/12/2025<br>| Cured-Unintentional violation or bona fide error due to points and fees charged. Lender issued a restitution check, specific LOE, PCCD and proof of delivery, has been provided. - Due Diligence Vendor-08/22/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 6.81 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 - 6.17 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 13650681 |  | D B A | A | A | Closed | FCOM2630 | 2025-08-05 07:21 | 2025-08-07 10:15 | Resolved | 1 - Information D A | Compliance | Missing Doc - State Disclosure | Attorney Preference Letter missing or unexecuted | Resolved-Right To Choose Attorney or Attorney Preference Resolved or Not Applicable - Due Diligence Vendor-08/07/2025 <br>Ready for Review-Document Uploaded. - Seller-08/07/2025 <br>Open-Right To Choose Attorney or Attorney Preference Not In File - Due Diligence Vendor-08/05/2025 | Ready for Review-Document Uploaded. - Seller-08/07/2025<br>| Resolved-Right To Choose Attorney or Attorney Preference Resolved or Not Applicable - Due Diligence Vendor-08/07/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 6.81 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 - 6.17 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 13650681 |  | D B A | A | A | Closed | FCOM1206 | 2025-08-04 15:13 | 2025-08-07 08:07 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Note is Missing | Resolved-The Note is Present - Due Diligence Vendor-08/07/2025 <br>Ready for Review-Document Uploaded. - Seller-08/06/2025 <br>Open-The Note is Missing - Due Diligence Vendor-08/04/2025 | Ready for Review-Document Uploaded. - Seller-08/06/2025<br>| Resolved-The Note is Present - Due Diligence Vendor-08/07/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 6.81 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 - 6.17 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 12411048 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 17072037 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 11720719 |  | D A C | A | A | Closed | FCOM1262 | 2025-08-05 15:15 | 2025-08-07 09:32 | Resolved | 1 - Information D A | Compliance | Missing Doc - ROR | Right of Rescission is Missing | Resolved-Right of Rescission is Provided - Due Diligence Vendor-08/07/2025 <br>Ready for Review-Document Uploaded. NRTC - Buyer-08/06/2025 <br>Open-Right of Rescission is Missing - Due Diligence Vendor-08/05/2025 |  | Resolved-Right of Rescission is Provided - Due Diligence Vendor-08/07/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 59.92 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 69.99% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.65% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11720719 |  | D A C | A | A | Closed | FCRE1253 | 2025-08-05 17:29 | 2025-08-07 08:16 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Property Tax Cert | Resolved-Property Tax Cert Provided - Due Diligence Vendor-08/07/2025 <br>Ready for Review-Document Uploaded. - Seller-08/06/2025 <br>Open-Missing Property Tax Cert - Due Diligence Vendor-08/05/2025 | Ready for Review-Document Uploaded. - Seller-08/06/2025<br>| Resolved-Property Tax Cert Provided - Due Diligence Vendor-08/07/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 59.92 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 69.99% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.65% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11720719 |  | D A C | A | A | Closed | FCOM1232 | 2025-08-05 10:37 | 2025-08-07 08:12 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-08/07/2025 <br>Ready for Review-Document Uploaded. final 1003 - Buyer-08/06/2025 <br>Open-The Final 1003 is Missing - Due Diligence Vendor-08/05/2025 |  | Resolved-The Final 1003 is Present - Due Diligence Vendor-08/07/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 59.92 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 69.99% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.65% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11720719 |  | D A C | A | A | Closed | FCOM1206 | 2025-08-05 09:47 | 2025-08-07 08:08 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Note is Missing | Resolved-The Note is Present - Due Diligence Vendor-08/07/2025 <br>Ready for Review-Document Uploaded. note - Buyer-08/06/2025 <br>Open-The Note is Missing - Due Diligence Vendor-08/05/2025 |  | Resolved-The Note is Present - Due Diligence Vendor-08/07/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 59.92 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 69.99% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.65% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 15585343 |  | D A | N/A | N/A | Closed | FCRE2109 | 2025-08-06 08:49 | 2025-08-07 10:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-08/07/2025 <br>Ready for Review-Document Uploaded. See the attached 1008 with updated Income figures and the Income worksheet - Seller-08/06/2025 <br>Open-Missing Lender Worksheet or Bank Statement Summary Guides state an income analysis worksheet to be provided - Due Diligence Vendor-08/06/2025 | Ready for Review-Document Uploaded. See the attached 1008 with updated Income figures and the Income worksheet - Seller-08/06/2025<br>| Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-08/07/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.58 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 20.58 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 - 5.00 Years Borrower At Current Residence For Five (5) Or More Years - 5.00 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 23.73 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 23.73 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 - 23.72 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 23.72 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.9% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 35.9% 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 16178808 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 12194472 |  | D A | N/A | N/A | Closed | FPRO1244 | 2025-08-06 16:35 | 2025-08-11 08:07 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-PCI Report provided - Due Diligence Vendor-08/11/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-08/10/2025 <br> Counter-The condition is requesting the Property Condition Report (PCI) as it appears to be missing from the Loan file. - Due Diligence Vendor-08/08/2025 <br> Ready for Review-Rebut-this is a HELOAN. AVM and PCI uploaded to support value. Nothing else needed. - Buyer-08/07/2025 <br> Open-The file is missing the Property Inspection Report per guidelines - Due Diligence Vendor-08/06/2025 |  | Resolved-PCI Report provided - Due Diligence Vendor-08/11/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 60.39% 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 31.72 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 18900644 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 16354782 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 13433889 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 19107955 |  | C A | A | A | Closed | finding-47 | 2025-08-06 09:35 | 2025-08-07 09:04 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-08/07/2025 <br> Resolved- - Due Diligence Vendor-08/07/2025 <br> Ready for Review-Document Uploaded. - Seller-08/06/2025 <br> Open-\*\*\*\*\*\*\* Borrower executed documents on xxx. Please Provide Post Consummation Closing Disclosure funding after Rescission period. - Due Diligence Vendor-08/06/2025 <br> Open- - Due Diligence Vendor-08/06/2025 <br> Open- - Due Diligence Vendor-08/06/2025 <br> Open- - Due Diligence Vendor-08/06/2025 <br> Open- - Due Diligence Vendor-08/06/2025 | Ready for Review-Document Uploaded. - Seller-08/06/2025<br>| Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-08/07/2025<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 - 5.41 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.41 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.08 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.08 Years<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 Calculated DTI Of 42.96% 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 37.89 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 37.89 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 - 5.17 Years Borrower At Current Residence For Five (5) Or More Years - 5.17 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 15995274 | xxx | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 17358869 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 15521124 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 14522515 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 15490415 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 12771934 |  | D A | N/A | N/A | Closed | finding-3635 | 2025-08-08 09:20 | 2025-08-10 10:02 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Resolved-3rd biz day "after" rcpt of "application" / excl Sat - Due Diligence Vendor-08/10/2025 <br> Resolved- - Due Diligence Vendor-08/10/2025 <br> Open- - Due Diligence Vendor-08/10/2025 <br> Open- - Due Diligence Vendor-08/10/2025 <br> Open- - Due Diligence Vendor-08/10/2025 <br> Ready for Review-for the initial disclosures package we do not count Saturdays. disclosures dated xxx are within compliance - Buyer-08/08/2025 <br> Open-\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\* Disclosures dated xxx exceed the 3 day of application date xxx. - Due Diligence Vendor-08/08/2025 <br> Open- - Due Diligence Vendor-08/08/2025 <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% ($xxx) exceed the comparable charges ($xxx) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). - Due Diligence Vendor-08/08/2025 |  | Resolved-3rd biz day "after" rcpt of "application" / excl Sat - Due Diligence Vendor-08/10/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.5% 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 - 11.58 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6 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 - 11.58 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 12771934 |  | D A | N/A | N/A | Closed | finding-3515 | 2025-08-08 09:20 | 2025-08-10 10:02 | Resolved | 1 - Information C A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved-3rd biz day "after" rcpt of "application" / excl Sat - Due Diligence Vendor-08/10/2025 <br> Resolved- - Due Diligence Vendor-08/10/2025 <br> Open- - Due Diligence Vendor-08/10/2025 <br> Open- - Due Diligence Vendor-08/10/2025 <br> Open- - Due Diligence Vendor-08/10/2025 <br> Ready for Review-for the initial disclosures package we do not count Saturdays. disclosures dated xxx are within compliance - Buyer-08/08/2025 <br> Open-\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\* Disclosures dated xxx exceed the 3 day of application date xxx. - Due Diligence Vendor-08/08/2025 <br> Open- - Due Diligence Vendor-08/08/2025 <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 ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $xxx, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company'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. - Due Diligence Vendor-08/08/2025 |  | Resolved-3rd biz day "after" rcpt of "application" / excl Sat - Due Diligence Vendor-08/10/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.5% 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 - 11.58 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6 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 - 11.58 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 12771934 |  | D A | N/A | N/A | Closed | finding-3652 | 2025-08-08 09:20 | 2025-08-10 10:02 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-3rd biz day "after" rcpt of "application" / excl Sat - Due Diligence Vendor-08/10/2025 <br> Resolved- - Due Diligence Vendor-08/10/2025 <br> Open- - Due Diligence Vendor-08/10/2025 <br> Open- - Due Diligence Vendor-08/10/2025 <br> Open- - Due Diligence Vendor-08/10/2025 <br> Ready for Review-for the initial disclosures package we do not count Saturdays. disclosures dated xxx are within compliance - Seller-08/08/2025 <br> Open-\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\* Disclosures dated xxx exceed the 3 day of application date xxx. - Due Diligence Vendor-08/08/2025 <br> Open- - Due Diligence Vendor-08/08/2025 <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 ($xxx) does not exceed or equal the comparable sum of specific and non-specific lender credits ($xxx). 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). - Due Diligence Vendor-08/08/2025 | Ready for Review-for the initial disclosures package we do not count Saturdays. disclosures dated xxx are within compliance - Seller-08/08/2025 | Resolved-3rd biz day "after" rcpt of "application" / excl Sat - Due Diligence Vendor-08/10/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.5% 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 - 11.58 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6 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 - 11.58 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 12771934 |  | D A | N/A | N/A | Closed | finding-3367 | 2025-08-08 09:20 | 2025-08-10 10:02 | Resolved | 1 - Information B A | Compliance | Disclosures (Federal, State, and Data Dependent) | RESPA Homeownership Counseling Organizations Disclosure Date Test | Resolved-3rd biz day "after" rcpt of "application" / excl Sat - Due Diligence Vendor-08/10/2025 <br> Resolved- - Due Diligence Vendor-08/10/2025 <br> Open- - Due Diligence Vendor-08/10/2025 <br> Open- - Due Diligence Vendor-08/10/2025 <br> Open- - Due Diligence Vendor-08/10/2025 <br> Ready for Review-for the initial disclosures package we do not count Saturdays. disclosures dated xxx are within compliance - Seller-08/08/2025 <br> Open-\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\* Disclosures dated xxx exceed the 3 day of application date xxx. - Due Diligence Vendor-08/08/2025 <br> Open- - Due Diligence Vendor-08/08/2025 <br> Open-This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a))The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's application date (or the date creditor received application if loan originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than 30 days prior to the time when the list is provided to the loan applicant from either:(1)The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(2)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.This calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company'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 any list of homeownership counseling organizations. - Due Diligence Vendor-08/08/2025 | Ready for Review-for the initial disclosures package we do not count Saturdays. disclosures dated xxx are within compliance - Seller-08/08/2025 | Resolved-3rd biz day "after" rcpt of "application" / excl Sat - Due Diligence Vendor-08/10/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.5% 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 - 11.58 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6 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 - 11.58 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 12771934 |  | D A | N/A | N/A | Closed | finding-3634 | 2025-08-08 09:20 | 2025-08-10 10:02 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-3rd biz day "after" rcpt of "application" / excl Sat - Due Diligence Vendor-08/10/2025 <br> Resolved- - Due Diligence Vendor-08/10/2025 <br> Open- - Due Diligence Vendor-08/10/2025 <br> Open- - Due Diligence Vendor-08/10/2025 <br> Open- - Due Diligence Vendor-08/10/2025 <br> Ready for Review-for the initial disclosures package we do not count Saturdays. disclosures dated xxx are within compliance - Seller-08/08/2025 <br> Open-\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\* Disclosures dated xxx exceed the 3 day of application date xxx. - Due Diligence Vendor-08/08/2025 <br> Open- - Due Diligence Vendor-08/08/2025 <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 $xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-08/08/2025 | Ready for Review-for the initial disclosures package we do not count Saturdays. disclosures dated xxx are within compliance - Seller-08/08/2025 | Resolved-3rd biz day "after" rcpt of "application" / excl Sat - Due Diligence Vendor-08/10/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.5% 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 - 11.58 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6 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 - 11.58 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 12771934 |  | D A | N/A | N/A | Closed | finding-3631 | 2025-08-08 09:20 | 2025-08-10 10:02 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-3rd biz day "after" rcpt of "application" / excl Sat - Due Diligence Vendor-08/10/2025 <br> Resolved- - Due Diligence Vendor-08/10/2025 <br> Open- - Due Diligence Vendor-08/10/2025 <br> Open- - Due Diligence Vendor-08/10/2025 <br> Open- - Due Diligence Vendor-08/10/2025 <br> Ready for Review-for the initial disclosures package we do not count Saturdays. disclosures dated xxx are within compliance - Buyer-08/08/2025 <br> Open-\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\* Disclosures dated xxx exceed the 3 day of application date xxx. - Due Diligence Vendor-08/08/2025 <br> Open- - Due Diligence Vendor-08/08/2025 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-08/08/2025 |  | Resolved-3rd biz day "after" rcpt of "application" / excl Sat - Due Diligence Vendor-08/10/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.5% 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 - 11.58 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6 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 - 11.58 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 12771934 |  | D A | N/A | N/A | Closed | finding-3632 | 2025-08-08 09:20 | 2025-08-10 10:02 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-3rd biz day "after" rcpt of "application" / excl Sat - Due Diligence Vendor-08/10/2025 <br> Resolved- - Due Diligence Vendor-08/10/2025 <br> Open- - Due Diligence Vendor-08/10/2025 <br> Open- - Due Diligence Vendor-08/10/2025 <br> Open- - Due Diligence Vendor-08/10/2025 <br> Ready for Review-for the initial disclosures package we do not count Saturdays. disclosures dated xxx are within compliance - Buyer-08/08/2025 <br> Open-\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\* Disclosures dated xxx exceed the 3 day of application date xxx. - Due Diligence Vendor-08/08/2025 <br> Open- - Due Diligence Vendor-08/08/2025 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-08/08/2025 |  | Resolved-3rd biz day "after" rcpt of "application" / excl Sat - Due Diligence Vendor-08/10/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.5% 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 - 11.58 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6 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 - 11.58 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 12771934 |  | D A | N/A | N/A | Closed | FCOM1544 | 2025-08-06 11:52 | 2025-08-08 09:18 | Resolved | 1 - Information D A | Compliance | Missing Doc - CD | TRID: Missing Final Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-08/08/2025 <br>Ready for Review-Document Uploaded. see attached signed final CD - Seller-08/07/2025 <br>Open-TRID: Missing Final Closing Disclosure \*\*\*\*\*\*Documentation provided does not contain the Final Closing Disclosure is Missing. Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Thank you - Due Diligence Vendor-08/06/2025 | Ready for Review-Document Uploaded. see attached signed final CD - Seller-08/07/2025<br>| Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-08/08/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.5% 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 - 11.58 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6 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 - 11.58 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 16390279 |  | C B A | N/A | N/A | Closed | FPRO7466 | 2025-08-07 11:21 | 2025-08-11 08:13 | Waived | 2 - Non-Material C B | Property | Third Party Valuation | AVM Value(s) Do Not Adhere To Tolerance Criteria | Waived-Exception granted with supporting comp factors: allow AVIM confidence score of 88 - Due Diligence Vendor-08/11/2025 <br>Ready for Review-Document Uploaded. Rebut-An exception had been made during underwriting and a copy of the approval was included in the file. Please see attached. - Buyer-08/10/2025 <br>Open-AVM provided in file has a confidence score of 88. Guidelines require 90 or higher. Provide valid valuation product. - Due Diligence Vendor-08/07/2025 |  | Waived-Exception granted with supporting comp factors: allow AVIM confidence score of 88 - Due Diligence Vendor-08/11/2025<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 - 7.76 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 29.58 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.2% 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 xxx 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 21.66 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 - 17.08 Years | Self employed business owner 7+ years<br> Strong Fico and credit history<br> Strong Mortgage Housing History 0x30x64<br> 70% CLTV | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxx |
| 11253692 |  | D A | N/A | N/A | Closed | FCRE2109 | 2025-08-07 08:52 | 2025-08-11 13:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-08/11/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-08/10/2025 <br>Open-Missing Lender Worksheet or Bank Statement Summary Missing Lender Income Calculation Worksheet. - Due Diligence Vendor-08/07/2025 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-08/11/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Qualifying FICO Of xxx 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 0.1 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 62.72 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 62.72 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 28.36% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 28.36% 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 - 21.42 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 21.42 Years<br> Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 15642141 |  | C A | N/A | N/A | Closed | FCOM1797 | 2025-08-07 13:49 | 2025-08-10 10:29 | Resolved | 1 - Information B A | Compliance | Missing Doc | Service Provider List is Missing | Resolved-complete initial closing package provided - Due Diligence Vendor-08/10/2025 <br>Ready for Review-Document Uploaded. see attached entire initial disclosures - Buyer-08/08/2025 <br>Open-Service Provider List is Missing<br>Please provide entire initial disclosure package for review - Due Diligence Vendor-08/07/2025 |  | Resolved-complete initial closing package provided - Due Diligence Vendor-08/10/2025<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 - 11.38 Years<br> Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<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 - 11.38 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Qualifying FICO Of xxx 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 51.91 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 - 7.50 Years Borrower At Current Residence For Five (5) Or More Years - 7.50 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 15642141 |  | C A | N/A | N/A | Closed | FCOM1252 | 2025-08-07 13:51 | 2025-08-10 10:29 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Loan Estimate | Resolved-complete initial closing package provided - Due Diligence Vendor-08/10/2025 <br>Ready for Review-Document Uploaded. attached entire initial disclosure package - Buyer-08/08/2025 <br>Open-Initial LE is missing<br>Documentation provided does not contain the______________________________________. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings - Due Diligence Vendor-08/07/2025 |  | Resolved-complete initial closing package provided - Due Diligence Vendor-08/10/2025<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 - 11.38 Years<br> Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<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 - 11.38 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Qualifying FICO Of xxx 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 51.91 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 - 7.50 Years Borrower At Current Residence For Five (5) Or More Years - 7.50 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 15642141 |  | C A | N/A | N/A | Closed | FCOM1266 | 2025-08-07 13:47 | 2025-08-10 10:06 | Resolved | 1 - Information B A | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-08/10/2025 <br>Ready for Review-attached entire initial disclosure package with other comment for this loan - Buyer-08/08/2025 <br>Open-Homeownership Counseling Disclosure Is Missing \*\*\*\*\*\* Please provide entire initial disclosure package for review\*\*\*\*\* - Due Diligence Vendor-08/07/2025 |  | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-08/10/2025<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 - 11.38 Years<br> Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<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 - 11.38 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Qualifying FICO Of xxx 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 51.91 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 - 7.50 Years Borrower At Current Residence For Five (5) Or More Years - 7.50 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11111752 |  | D A | A | A | Closed | FCRE1161 | 2025-08-06 13:50 | 2025-08-08 09:52 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-08/08/2025 <br>Ready for Review-Document Uploaded. - Seller-08/07/2025 <br>Open-Missing Flood Certificate - Due Diligence Vendor-08/06/2025 | Ready for Review-Document Uploaded. - Seller-08/07/2025<br>| Resolved-Flood Certificate is fully present - Due Diligence Vendor-08/08/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 70.29% Is Below the Guideline Maximum Of 85% 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 - 9.17 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 - 6.31 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.73 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 44.55% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 13633339 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 10481422 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 15029732 |  | D A | A | A | Closed | FCRE2109 | 2025-08-07 12:53 | 2025-08-11 10:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-08/11/2025 <br>Ready for Review-Document Uploaded. Loan is a Full Doc loan – loan is not a Bank Stmt loan. Lock Confirm attached to verify this.<br> See the 1008 showing UW explanation of Income. - Seller-08/08/2025 <br>Open-Missing Lender Worksheet or Bank Statement Summary guides indicate an analysis/worksheet documentation needed - Due Diligence Vendor-08/07/2025 | Ready for Review-Document Uploaded. Loan is a Full Doc loan – loan is not a Bank Stmt loan. Lock Confirm attached to verify this.<br> See the 1008 showing UW explanation of Income. - Seller-08/08/2025<br>| Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-08/11/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of xxx 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 9.15 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 9.15 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 32.35% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 32.35% 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 10670354 |  | C A | N/A | N/A | Closed | FCRE8611 | 2025-08-08 14:37 | 2025-08-11 13:20 | Resolved | 1 - Information C A | Credit | Income | Income/Employment General | Resolved-YTD & 2 yr Prior xxx Paystubs for B2 provided. - Due Diligence Vendor-08/11/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-08/10/2025 <br> Open-Missing income documentation for xxx with xxx to use overtime income. Missing WVOE or xxx/xxx YTD paystubs showing overtime income broken out from wages - Due Diligence Vendor-08/08/2025 |  | Resolved-YTD & 2 yr Prior xxx Paystubs for B2 provided. - Due Diligence Vendor-08/11/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.02 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.58 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.00 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 53.17% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 10778316 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 17792294 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 19905987 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 12945685 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18691868 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 12333934 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18863873 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 13741312 |  | D A | A | A | Closed | FCRE2109 | 2025-08-11 14:09 | 2025-08-15 15:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-08/15/2025 <br>Ready for Review-Document Uploaded. Please see attached WVOE and LOX from the UW - Seller-08/15/2025 <br>Counter-Apologizes for the confusion, B2 Income worksheet breakdown is missing from the loan file. - Due Diligence Vendor-08/12/2025 <br>Ready for Review-Can you please clarify which borrower you are referring to? - Seller-08/12/2025 <br>Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-08/11/2025 | Ready for Review-Document Uploaded. Please see attached WVOE and LOX from the UW - Seller-08/15/2025 <br>Ready for Review-Can you please clarify which borrower you are referring to? - Seller-08/12/2025<br>| Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-08/15/2025<br>| Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 23.93 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 - 9.60 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 79.9% 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 19.96 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 42.91% 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 - 9.83 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 18576974 |  | C A | N/A | N/A | Closed | FCRE1159 | 2025-08-12 11:21 | 2025-08-13 11:27 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Hazard Insurance Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-08/13/2025 <br> Ready for Review-Document Uploaded. - Seller-08/12/2025 <br> Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx Provide the previous homeowners insurance policy effective xxx-xxx. - Due Diligence Vendor-08/12/2025 | Ready for Review-Document Uploaded. - Seller-08/12/2025<br>| Resolved-Hazard Insurance Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-08/13/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.11% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 35.11% 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 - 6.00 Years Borrower At Current Residence For Five (5) Or More Years - 6.00 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.25 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.25<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.98 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 21.98 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 - 7.29 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.29 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11143764 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 16299608 |  | D A | N/A | N/A | Closed | FCRE1316 | 2025-08-11 15:52 | 2025-08-19 10:59 | 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-08/19/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-08/18/2025 <br> Counter-Document Uploaded. Borrower 1 (xxx) is a wage earner, Paystubs and W2's in loan file. per Guidelines: A verbal VOE from each employer 10-days of the note date for wage and salaried employees.<br> - Due Diligence Vendor-08/14/2025 <br> Ready for Review-Document Uploaded. Please see attached. NOTE: B1's income was Alt Doc, so the verification of self employment has to be within 30 days, not 10 days. - Buyer-08/13/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Provide the Third-Party Verification of Employment completed within 10 days of the Note. - Due Diligence Vendor-08/12/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-08/11/2025 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-08/19/2025<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 0.12<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 7.22 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 - 7.40 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.68% 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11554432 | xxx | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 11201941 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 13937495 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 16853136 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 15605917 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18057770 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 11098243 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 19103842 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |  |
| 10002425 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |  |
| 10088409 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |  |
| 11643495 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 18376863 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 13043462 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 13722815 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 14462365 |  | D A | A | A | Closed | FCRE5782 | 2025-08-12 05:28 | 2025-08-14 15:48 | 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-08/14/2025 <br>Ready for Review-Document Uploaded. Gap Report - Seller-08/13/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Guidelines required gap credit report. However, gap credit report is missing. - Due Diligence Vendor-08/12/2025 | Ready for Review-Document Uploaded. Gap Report - Seller-08/13/2025<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-08/14/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 78.25% 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 6.16 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 19.35% 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 - 11.00 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 - 21.50 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 - 21.51 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11032947 |  | D A | N/A | N/A | Closed | FCRE1316 | 2025-08-13 12:06 | 2025-08-14 15:47 | 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-08/14/2025 <br>Ready for Review-Document Uploaded. Please see attahced - Seller-08/13/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-08/13/2025 | Ready for Review-Document Uploaded. Please see attahced - Seller-08/13/2025<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-08/14/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.98 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.83% 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 70% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11539980 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 12754297 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 19025593 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 14252382 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 11068345 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 13215205 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 16085533 |  | C A | N/A | N/A | Closed | finding-3634 | 2025-08-12 07:36 | 2025-08-14 07:44 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-Transfer Tax caused by vesting deed - Due Diligence Vendor-08/14/2025 <br> Ready for Review-Document Uploaded. - Seller-08/13/2025 <br> Open-The following charges have been added :Transfer Tax resulting in a 0% tolerance cure in the amount of $xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-08/13/2025 <br> Open- - Due Diligence Vendor-08/13/2025 <br> Open- - Due Diligence Vendor-08/13/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-08/12/2025 <br> Open- - Due Diligence Vendor-08/12/2025 | Ready for Review-Document Uploaded. - Seller-08/13/2025<br>| Resolved-Transfer Tax caused by vesting deed - Due Diligence Vendor-08/14/2025<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 0.02<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 - 10.17 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.11 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 - 10.15 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.4% 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 73.22% 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 xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 16085533 |  | C A | N/A | N/A | Closed | finding-3631 | 2025-08-12 07:36 | 2025-08-14 07:44 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Transfer Tax caused by vesting deed - Due Diligence Vendor-08/14/2025 <br> Ready for Review-Document Uploaded. - Seller-08/13/2025 <br> Open-The following charges have been added :Transfer Tax resulting in a 0% tolerance cure in the amount of $xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-08/13/2025 <br> Open- - Due Diligence Vendor-08/13/2025 <br> Open- - Due Diligence Vendor-08/13/2025 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-08/12/2025 <br> Open- - Due Diligence Vendor-08/12/2025 | Ready for Review-Document Uploaded. - Seller-08/13/2025<br>| Resolved-Transfer Tax caused by vesting deed - Due Diligence Vendor-08/14/2025<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 0.02<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 - 10.17 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.11 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 - 10.15 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.4% 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 73.22% 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 xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 16085533 |  | C A | N/A | N/A | Closed | finding-3632 | 2025-08-12 07:36 | 2025-08-14 07:44 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved- - Due Diligence Vendor-08/14/2025 <br> Ready for Review-Document Uploaded. - Seller-08/13/2025 <br> Open-The following charges have been added :Transfer Tax resulting in a 0% tolerance cure in the amount of $xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-08/13/2025 <br> Open- - Due Diligence Vendor-08/13/2025 <br> Open- - Due Diligence Vendor-08/13/2025 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-08/12/2025 <br> Open- - Due Diligence Vendor-08/12/2025 | Ready for Review-Document Uploaded. - Seller-08/13/2025<br>| Resolved- - Due Diligence Vendor-08/14/2025<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 0.02<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 - 10.17 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.11 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 - 10.15 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.4% 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 73.22% 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 xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | Transfer Tax caused by vesting deed | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14485385 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 15809849 |  | D A | N/A | N/A | Closed | FCRE2109 | 2025-08-14 09:08 | 2025-08-19 13:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-08/19/2025 <br> Ready for Review-Document Uploaded. Please see attached worksheet and one statement (page xxx of xxx) showing the monthly withdrawal. - Buyer-08/18/2025 <br> Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-08/14/2025 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-08/19/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 74.71% 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 xxx 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 - 20.00 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11433841 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18636454 |  | D A | A | A | Closed | FCRE5770 | 2025-08-14 10:16 | 2025-08-19 11:14 | 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-08/19/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-08/18/2025 <br>Open-Borrower 1 Credit Report is Missing. GAP credit report present. - Due Diligence Vendor-08/14/2025 |  | Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-08/19/2025<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 - 9.26 Years. Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.26 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 - 10.79 Years. Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.79 Years<br> Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments. Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 69.96% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Original CLTV Of 69.96% 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 52.02 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months. Months Reserves Of 52.02 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points. Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 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 - 11.00 Years. Borrower At Current Residence For Five (5) Or More Years - 11.00 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 18636454 |  | D A | A | A | Closed | FCRE5771 | 2025-08-14 10:16 | 2025-08-19 11:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Credit Report is Missing | Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-08/19/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-08/18/2025 <br>Open-Borrower 2 Credit Report is Missing. GAP credit report present. - Due Diligence Vendor-08/14/2025 |  | Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-08/19/2025<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 - 9.26 Years. Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.26 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 - 10.79 Years. Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.79 Years<br> Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments. Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 69.96% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Original CLTV Of 69.96% 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 52.02 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months. Months Reserves Of 52.02 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points. Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 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 - 11.00 Years. Borrower At Current Residence For Five (5) Or More Years - 11.00 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 16173664 |  | D B A | N/A | N/A | Closed | FCRE3978 | 2025-08-14 11:46 | 2025-08-19 13:16 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Letter of Explanation (Credit) missing or unexecuted | Waived-Exception granted with supporting comp factors: Exception needed for open delinquent account prior to closing. Balance was paid off at closing instead of being brought current beforehand. - Due Diligence Vendor-08/19/2025 <br> Ready for Review-Please see attached exception (page xxx) and HUD 1 showing card was paid off at closing. - Buyer-08/18/2025 <br> Open-Missing evidence of payoff and/settlement amount for delinquent account with xxx (#xxx). - Due Diligence Vendor-08/14/2025 |  | Waived-Exception granted with supporting comp factors: Exception needed for open delinquent account prior to closing. Balance was paid off at closing instead of being brought current beforehand. - Due Diligence Vendor-08/19/2025<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 0.2 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.2<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 - 8.93 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.93 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 39.31 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 39.31 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 39.07% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 39.07% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | History dating back to xxx. No lates reported<br> DTI Max -50% Subject - <40% | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxx |
| 16635873 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 14496612 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 15594730 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 13516568 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Refinance | Cash Out - Other |  |  |  |
| 14238641 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 17403123 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 19384125 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 14739755 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 12854507 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 17368774 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 12865776 |  | D A | N/A | N/A | Closed | FCRE1503 | 2025-08-14 11:32 | 2025-08-25 08:00 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Mortgage statement provided (escrowed) - Due Diligence Vendor-08/25/2025 <br> Ready for Review-Document Uploaded. The new loan with xxx was for a HELOAN. The first mortgage statement, which was in the shipping file, is attached. First mortgage is escrowed. No HOA.<br> - Buyer-08/24/2025 <br> Counter-Per First payment Letter & Final HUD, the loan is not escrowed, Missing Tax cert, HOI & HOA (if applicable) - Due Diligence Vendor-08/19/2025 <br> Ready for Review-Document Uploaded. Loan for xxx just closed-mortgage statement not available. Please see attached. - Buyer-08/18/2025 <br> Open-Missing Mortgage Statement for xxx Property (xxx) A/C No - xxx - Due Diligence Vendor-08/14/2025 |  | Resolved-Mortgage statement provided (escrowed) - Due Diligence Vendor-08/25/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.96 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 - 32.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 42.06 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 51.63% 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 - 7 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.12% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 16057026 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 10620462 |  | D A | A | A | Closed | FCOM1544 | 2025-08-15 15:39 | 2025-08-21 10:05 | Resolved | 1 - Information D A | Compliance | Missing Doc - CD | TRID: Missing Final Closing Disclosure | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-08/21/2025 <br> Ready for Review-Document Uploaded. see attached - Buyer-08/20/2025 <br> Counter-Attachment of the Closing Disclosure, reflecting the title's final figures, is missing. - Due Diligence Vendor-08/20/2025 <br> Ready for Review-The Closing Disclosure is the lender's responsibility under TRID. The settlement agent does not issue or provide the Closing Disclosure to the borrower. Their role is limited to coordinating the closing and providing the Final Settlement Statement. The lender is solely responsible for preparing, delivering, and ensuring the borrower receives the CD within the required timeframe.<br> - Buyer-08/19/2025 <br> Counter-Consumer Purpose TRID settlement ---- Please provide Closing Disclosure reflecting the final figures provided by title - Due Diligence Vendor-08/18/2025 <br> Ready for Review-Document Uploaded. see attached - Buyer-08/15/2025 <br> Open-TRID: Missing Final Closing Disclosure \*\*\*\*\*\*Documentation provided does not contain the Final Closing Disclosure ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Thank you - Due Diligence Vendor-08/15/2025 |  | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-08/21/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.78 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 13.78 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 - 25.00 Years Borrower At Current Residence For Five (5) Or More Years - 25.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.12% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 34.12% 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 0.13 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13<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 - 26.60 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 26.60 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 26.59 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 26.59 Years<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 10620462 |  | D A | A | A | Closed | FCOM1208 | 2025-08-14 08:59 | 2025-08-18 07:43 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Note is Incomplete | Resolved-The Note is Present - Due Diligence Vendor-08/18/2025 <br>Ready for Review-Document Uploaded. see attached note - Buyer-08/15/2025 <br>Open-The Note is Incomplete The Final Note is Missing. Copy in-file is not executed. - Due Diligence Vendor-08/14/2025 |  | Resolved-The Note is Present - Due Diligence Vendor-08/18/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.78 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 13.78 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 - 25.00 Years Borrower At Current Residence For Five (5) Or More Years - 25.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.12% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 34.12% 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 0.13 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13<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 - 26.60 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 26.60 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 26.59 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 26.59 Years<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 12528721 |  | C A | N/A | N/A | Closed | FPRO1137 | 2025-08-14 08:47 | 2025-08-18 08:32 | 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-08/18/2025 <br> Ready for Review-Document Uploaded. Rebut-please see attached which was included with the appraisal report - Buyer-08/18/2025 <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 was not effective prior to the Valuation Date per the xxx website. Effective date of xxx. - Due Diligence Vendor-08/14/2025 |  | 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-08/18/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03<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 - 10.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years<br> Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.57 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 17.57 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 - 5.00 Years Borrower At Current Residence For Five (5) Or More Years - 5.00 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.28% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 41.28% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Qualifying FICO Of xxx 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11178528 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 19562499 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 11738519 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 14582406 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 16496706 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |  |
| 19666946 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 13351567 |  | C A | A | A | Closed | FCRE2994 | 2025-08-14 19:12 | 2025-08-20 14:44 | Resolved | 1 - Information C A | Credit | Eligibility | DTI (Back) Ratio does not meet eligibility requirement(s) | Resolved-Updated 1008 provided reflects Audited DTI of 39.028% - Due Diligence Vendor-08/20/2025 <br> Ready for Review-Document Uploaded. - Seller-08/20/2025 <br> Open-Provide documentation supporting proper subject property condo HOA monthly cost. Appraisal shows $xxx a month and 1008 shows $xxx a month. Using Audited appraisal figure of $xxx a month total dti is 39.03%, Lenders figure is 35.66% for a difference of 3.37% Appraisal pg xxx and 1008 pg xxx - Due Diligence Vendor-08/14/2025 | Ready for Review-Document Uploaded. - Seller-08/20/2025<br>| Resolved-Updated 1008 provided reflects Audited DTI of 39.028% - Due Diligence Vendor-08/20/2025<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 - 20.73 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 21.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.25 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 66.48% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.03% 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 18821264 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 15414722 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 17391351 |  | C B A | N/A | N/A | Closed | finding-1477 | 2025-08-15 11:40 | 2025-09-15 09:23 | Waived | 2 - Non-Material C B | Compliance | Points & Fees | Disclosed APR High-Cost Threshold Exception Test | Waived-xxx County threshold doe not impose on the assignee any liability and is rated a B. - Due Diligence Vendor-09/15/2025 <br> Open-This loan failed the disclosed APR high-cost threshold exception test.Although the recalculated APR does not exceed any "high-cost " APR thresholds, using the disclosed APR, as provided, the loan would fail the following "high-cost " APR threshold test(s): xxx County Threshold Loan APR Test. As a result, this loan may not be acceptable to certain secondary market investors. - Due Diligence Vendor-09/15/2025 <br> Open- - Due Diligence Vendor-08/15/2025 <br> Open- - Due Diligence Vendor-08/15/2025 <br> Open- - Due Diligence Vendor-08/15/2025 |  | Waived-xxx County threshold doe not impose on the assignee any liability and is rated a B. - Due Diligence Vendor-09/15/2025 | 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 - 15.08 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.08 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.13 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 28.13 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 - 5.00 Years Borrower At Current Residence For Five (5) Or More Years - 5.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.87% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 40.87% 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxx |
| 14910323 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 17631098 |  | D A | N/A | N/A | Closed | FCRE1193 | 2025-08-19 08:55 | 2025-08-20 09:02 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Updated 1008 Provided - Due Diligence Vendor-08/20/2025 <br> Ready for Review-Document Uploaded. Please see attached. Our revised DTI is lower because reviewer included the xxx debt ($xxx) twice. - Buyer-08/19/2025 <br> Open-Document Uploaded. - Due Diligence Vendor-08/19/2025 <br> Open-The lender considered the Borrower's and Co-Borrower's income as $xxx and $xxx respectively for the DTI calculation. However, according to the Final 1003 and paystubs, their actual incomes are $xxx and $xxx. As a result, the DTI calculation does not match (audit 36.21% vs lender 39.103%) see attached income worksheets. - Due Diligence Vendor-08/19/2025 |  | Resolved-Updated 1008 Provided - Due Diligence Vendor-08/20/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.65 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 43.06% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.21% 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 | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 17631098 |  | D A | N/A | N/A | Closed | FCRE5116 | 2025-08-18 16:18 | 2025-08-20 09:02 | Resolved | 1 - Information D A | Credit | Missing Doc | VOM or VOR missing/required | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-08/20/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-08/19/2025 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing Primary residence xxx, mortgae, tax and HOI. showing in final 1003. - Due Diligence Vendor-08/18/2025 |  | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-08/20/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.65 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 43.06% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.21% 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 | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 19032999 |  | C B A | N/A | N/A | Closed | FPRO7466 | 2025-08-18 13:09 | 2025-08-22 20:06 | Waived | 2 - Non-Material C B | Property | Third Party Valuation | AVM Value(s) Do Not Adhere To Tolerance Criteria | Waived-Exception granted confidence score below guideline requirement. - Due Diligence Vendor-08/23/2025 <br>Ready for Review-Document Uploaded. The exception had been approved and was included in the loan file. Attached again for your review. - Buyer-08/19/2025 <br>Open-AVM provided has a Confidence Score of 88%. Guidelines require 90% or higher. Provide updated valuation. - Due Diligence Vendor-08/18/2025 |  | Waived-Exception granted confidence score below guideline requirement. - Due Diligence Vendor-08/23/2025<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 - 24.00 Years<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.02 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.07 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 56.25% 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 - 5.00 Years | Low LTV;<br> Long term satisfactory credit history | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxx |
| 15841319 |  | D A | N/A | N/A | Closed | FCRE1827 | 2025-08-17 00:40 | 2025-09-06 10:06 | Resolved | 1 - Information D A | Credit | Missing Doc | US Driver's License or other US or foreign government-issued photo ID Incomplete | Resolved-Unexpired Passport provided. - Due Diligence Vendor-09/06/2025 <br> Ready for Review-Document Uploaded. - Seller-09/04/2025 <br> Open-DL is expired xxx note date xxx - Due Diligence Vendor-08/17/2025 | Ready for Review-Document Uploaded. - Seller-09/04/2025<br>| Resolved-Unexpired Passport provided. - Due Diligence Vendor-09/06/2025<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 - 15.39 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.39 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.17 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.17 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.54 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 19.54 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 15.05% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 15.05% 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 10757216 |  | B A | N/A | N/A | Closed | FCOM1266 | 2025-08-18 02:26 | 2025-08-19 07:57 | Resolved | 1 - Information B A | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-08/19/2025 <br>Ready for Review-Document Uploaded. see attached - Buyer-08/19/2025 <br>Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-08/18/2025 |  | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-08/19/2025<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 - 9.81 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 16016379 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 12266419 | xxx | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 16479989 |  | C A | N/A | N/A | Closed | FCRE1193 | 2025-08-18 16:20 | 2025-09-03 12:28 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 39.77% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-09/03/2025 <br> Ready for Review-Document Uploaded. While we CONCUR that the net loss on the investment property should be $xxx, the income is actually higher than initially reported. Please see attached revised 1008 and income calculation worksheets. The UW was applying a 50% expense factor to both accounts, which was an error. The revised statements show a 50% expense factor to the business account and nothing to the personal account since we can show that the expenses are coming out of the business account per our guidelines. - Buyer-09/02/2025 <br> Open-Audited DTI of 52.34% exceeds Guideline DTI of 50% DTI exceeds 50% based on rental income being given of - xxx does not match actual calculated rental income of - xxx (pg xxx) and lender submitted monthly income of xxx does not match actual calculated income of xxx - Due Diligence Vendor-08/18/2025 |  | Resolved-Audited DTI of 39.77% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-09/03/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.77% 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 0.05<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.86 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 38.29 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 13322357 |  | D A | N/A | N/A | Closed | FCRE1316 | 2025-08-16 23:36 | 2025-08-20 09:11 | 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-08/20/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-08/19/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-08/17/2025 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-08/20/2025<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 - 16.34 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16.34 Years<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.34 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 46.92 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 66.11% Is Below the Guideline Maximum Of 90% 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 - 17.00 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.95% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | Borrower 1 3rd Party VOE Prior to Close Missing | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 13322357 |  | D A | N/A | N/A | Closed | FCRE1347 | 2025-08-16 23:36 | 2025-08-20 09:11 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-08/20/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-08/19/2025 <br>Open-Borrower 2 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-08/17/2025 |  | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-08/20/2025<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 - 16.34 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16.34 Years<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.34 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 46.92 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 66.11% Is Below the Guideline Maximum Of 90% 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 - 17.00 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.95% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | Borrower 2 3rd Party VOE Prior to Close Missing | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 10800394 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 19440006 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 10571939 | xxx | D A | N/A | N/A | Closed | FCRE2109 | 2025-08-19 14:13 | 2025-08-21 13:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-08/21/2025 <br>Ready for Review-Document Uploaded. - Seller-08/20/2025 <br>Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-08/19/2025 | Ready for Review-Document Uploaded. - Seller-08/20/2025<br>| Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-08/21/2025<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 0.05<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.00 Years<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 10.25% 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 xxx 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 16478245 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 19589011 |  | C B A | N/A | N/A | Closed | FCRE5790 | 2025-08-20 12:29 | 2025-08-21 15:07 | Waived | 2 - Non-Material C B | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Waived-Exception granted with supporting comp factors: xxx EXTENSION - Due Diligence Vendor-08/21/2025 <br> Ready for Review-Document Uploaded. xxx Exception form for xxx in file expires on xxx. Loan closing xxx. Exception approve 1 day extension for xxx - Seller-08/20/2025 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-08/20/2025 | Ready for Review-Document Uploaded. xxx Exception form for xxx in file expires on xxx. Loan closing xxx. Exception approve 1 day extension for xxx - Seller-08/20/2025 | Waived-Exception granted with supporting comp factors: xxx I DAY EXTENSION - Due Diligence Vendor-08/21/2025 | 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 0.18<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 - 11.95 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 - 14.50 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.67 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 74.05% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.95% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | DTI <5% below the Maximum Qualifying<br> Employment for an extended period at the same job - Years: 14 Months: 6 | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxx |
| 12216141 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 10103982 |  | D A | A | A | Closed | FCRE1764 | 2025-08-18 14:23 | 2025-08-21 13:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Verification of Mortgage | Resolved-1st Lien note & cd provided. - Due Diligence Vendor-08/21/2025 <br> Ready for Review-Document Uploaded. The 1008 and CD shouldn't need to be updated because on purchase 2nds those things aren't shown. The proceeds are transferred to the 1st lien 1008/CD. Please see attached Note and CD from the 1st. <br>xxx, Sr Underwriter - Seller-08/20/2025 <br> Open-Loan file is Purchase primary second lien, However the First lien mortgage statement is missing in the loan file and there is no sale price is showing in final CD and 1008. - Due Diligence Vendor-08/18/2025 | Ready for Review-Document Uploaded. The 1008 and CD shouldn't need to be updated because on purchase 2nds those things aren't shown. The proceeds are transferred to the 1st lien 1008/CD. Please see attached Note and CD from the 1st. <br>Glen Emmons, Sr Underwriter - Seller-08/20/2025<br>| Resolved-1st Lien note & cd provided. - Due Diligence Vendor-08/21/2025<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 0.13<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.57% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 12069898 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 16757336 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 14903938 |  | D A | N/A | N/A | Closed | FVAL1310 | 2025-08-18 06:38 | 2025-08-20 08:31 | Resolved | 1 - Information D A | Property | Missing Doc | HOA Questionnaire is Missing or incomplete | Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-08/20/2025 <br>Ready for Review-No HOA Cert is needed.<br> This is a detached condo so we would treat the underwriting of the property as we would a single family and no condo cert would be needed. - Seller-08/19/2025 <br>Open-HOA Questionnaire Document status is Missing. - Due Diligence Vendor-08/18/2025 | Ready for Review-No HOA Cert is needed.<br> This is a detached condo so we would treat the underwriting of the property as we would a single family and no condo cert would be needed. - Seller-08/19/2025<br>| Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-08/20/2025<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 - 21.01 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 21.01 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 21.01 Year Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 21.01 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.59 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 20.59 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 - 10.00 Years Borrower At Current Residence For Five (5) Or More Years - 10.00 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 42% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11138925 |  | D B A | A | A | Closed | FCRE1326 | 2025-08-16 04:36 | 2025-08-22 15:17 | 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-08/22/2025 <br> Ready for Review-Document Uploaded. - Buyer-08/21/2025 <br> Counter-The condition is stating the file is missing the P&L income used to qualify the loan. - Due Diligence Vendor-08/21/2025 <br> Ready for Review-worksheet in file by u/w is correct... u/w increased the expenses to 20% which is xxx. no P&L updated is needed. - Buyer-08/20/2025 <br> Open-Borrower 1 YTD Profit & Loss Missing Borrower 1 YTD 12 months Profit & Loss Missing - xxx to support monthly stated income of $xxx - Due Diligence Vendor-08/16/2025 |  | Resolved-Borrower 1 YTD Profit & Loss Resolved - Due Diligence Vendor-08/22/2025<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 - 46.76 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 - 46.66 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.56 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 36.76% 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 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.31% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11138925 |  | D B A | A | A | Closed | FCRE1199 | 2025-08-16 05:05 | 2025-08-21 15:17 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-Exception granted with supporting comp factors: L1 exception to $xxx is approved - Due Diligence Vendor-08/21/2025 <br> Ready for Review- file meets investor guidelines does not need compensating factors - Buyer-08/20/2025 <br> Open-Audited Loan Amount of $xxx is greater than the Guideline Maximum Loan Amount of $xxx Audited Loan Amount of $xxx is greater than the Guideline Maximum Loan Amount of $xxxand no Compensating Factors are listed on exception form on page xxx in file to waive. - Due Diligence Vendor-08/16/2025 |  | Waived-Exception granted with supporting comp factors: xxx exception to $xxx is approved - Due Diligence Vendor-08/21/2025 | 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 - 46.76 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 - 46.66 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.56 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 36.76% 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 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.31% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | Low Credit Usage Ratio Of Twenty-Five Percent <br> Borrower 1 Has Stable Job Time Of Five (5) years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxx |
| 10179787 |  | D A | A | A | Closed | FCRE1316 | 2025-08-20 15:16 | 2025-08-22 11:33 | 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-08/22/2025 <br>Ready for Review-Document Uploaded. - Seller-08/21/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-08/20/2025 | Ready for Review-Document Uploaded. - Seller-08/21/2025<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-08/22/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.43% 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 - 6.50 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 75.54% 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 13.28 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 - 5.66 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 0.2 |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 10179787 |  | D A | A | A | Closed | FCOM1206 | 2025-08-18 07:10 | 2025-08-21 06:54 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Note is Missing | Resolved-The Note is Present - Due Diligence Vendor-08/21/2025 <br>Ready for Review-Document Uploaded. - Seller-08/20/2025 <br>Open-The Note is Missing - Due Diligence Vendor-08/18/2025 | Ready for Review-Document Uploaded. - Seller-08/20/2025<br>| Resolved-The Note is Present - Due Diligence Vendor-08/21/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.43% 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 - 6.50 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 75.54% 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 13.28 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 - 5.66 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 0.2 | The Note is Missing | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11311809 |  | D A | N/A | N/A | Closed | FCRE5770 | 2025-08-18 07:26 | 2025-08-25 08:08 | 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-08/25/2025 <br>Ready for Review-Document Uploaded. Please see attached - Buyer-08/24/2025 <br>Open-Borrower 1 Credit Report is Missing. Borrower 1 Credit Report Fico Score is missing in this file. - Due Diligence Vendor-08/18/2025 |  | Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-08/25/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 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 - 20.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.75 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 - 20.00 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.10 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 0.2 |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 16806020 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 19253528 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 10134464 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 10444748 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18779129 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 16933213 |  | D A | A | A | Closed | FCRE1347 | 2025-08-18 08:09 | 2025-08-22 12:46 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-08/22/2025 <br>Ready for Review-Document Uploaded. - Seller-08/21/2025 <br>Open-Borrower 2 3rd Party VOE Prior to Close Missing in file - Due Diligence Vendor-08/18/2025 | Ready for Review-Document Uploaded. - Seller-08/21/2025<br>| Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-08/22/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.01% 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 - 5.00 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 69.48% 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 26.85 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 16933213 |  | D A | A | A | Closed | FCRE1360 | 2025-08-20 18:12 | 2025-08-22 12:46 | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower 2 Paystubs Missing | Resolved-Borrower 2 Paystubs Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-08/22/2025 <br>Ready for Review-Document Uploaded. - Seller-08/21/2025 <br>Open-Borrower 2 Paystubs Missing Borrower 2 missing paystub. - Due Diligence Vendor-08/20/2025 | Ready for Review-Document Uploaded. - Seller-08/21/2025<br>| Resolved-Borrower 2 Paystubs Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-08/22/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.01% 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 - 5.00 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 69.48% 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 26.85 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 19689340 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 15755312 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 17546117 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 12759966 |  | C A | N/A | N/A | Closed | FCRE2840 | 2025-08-20 14:23 | 2025-08-23 09:20 | Resolved | 1 - Information C A | Credit | Liabilities | Subordinate lien does not meet guideline requirements | Resolved-the xxx Lien has been terminated - Due Diligence Vendor-08/23/2025 <br> Ready for Review-Document Uploaded. - Seller-08/22/2025 <br> Open-xxx financing statement recorded xxx. updated xxx statement to be recording at closing insuring lender (xxx) is in 2nd lien position and/or #xxx on title to be removed or term of xxx - Due Diligence Vendor-08/20/2025 | Ready for Review-Document Uploaded. - Seller-08/22/2025<br>| Resolved-the xxx Lien has been terminated - Due Diligence Vendor-08/23/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.7% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 38.7% 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 - 7.50 Years Borrower At Current Residence For Five (5) Or More Years - 7.50 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 44.9 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 44.9 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 - 15.08 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.08 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 16256887 |  | D A | N/A | N/A | Closed | FCRE5782 | 2025-08-21 10:58 | 2025-08-21 15:26 | 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-08/21/2025 <br>Ready for Review-Document Uploaded. Gap Credit - Seller-08/21/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-08/21/2025 | Ready for Review-Document Uploaded. Gap Credit - Seller-08/21/2025<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-08/21/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 67.76% 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 53.06 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 16.61% 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 - 7.83 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 16161161 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18099670 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 16955032 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 14916313 | xxx | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 14387844 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 15536871 |  | C A | N/A | N/A | Closed | FCRE2515 | 2025-08-21 00:55 | 2025-08-25 07:27 | Resolved | 1 - Information C A | Credit | Eligibility | Credit history does not meet guidelines | Resolved-LOE provided for Credit Inquires. - Due Diligence Vendor-08/25/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-08/24/2025 <br>Open-Provide Lox for the Credit Inquiries as appears in the Credit Report. Its not available at the Time of review. - Due Diligence Vendor-08/21/2025 |  | Resolved-LOE provided for Credit Inquires. - Due Diligence Vendor-08/25/2025<br>| Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.87 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.87 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 - 20.87 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 0.23<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.36% 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 - 23.33 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 65.11% 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 49.26 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 17005109 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 13830201 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 13938211 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 10719872 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 11150019 |  | D A | A | A | Closed | FCRE1161 | 2025-08-20 08:04 | 2025-08-23 09:18 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-08/23/2025 <br>Ready for Review-Document Uploaded. - Seller-08/22/2025 <br>Open-Missing Flood Certificate - Due Diligence Vendor-08/20/2025 | Ready for Review-Document Uploaded. - Seller-08/22/2025<br>| Resolved-Flood Certificate is fully present - Due Diligence Vendor-08/23/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.61% 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 53.99% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11520810 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 19175367 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 17023990 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 13415957 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 16080555 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 13763119 |  | D A | A | A | Closed | FCRE1316 | 2025-08-22 14:47 | 2025-08-25 11:43 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-08/25/2025 <br>Ready for Review-Document Uploaded. VOE uploaded - Seller-08/25/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-08/22/2025 | Ready for Review-Document Uploaded. VOE uploaded - Seller-08/25/2025<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-08/25/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.45 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> 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 - 9.75 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 0.18 |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 12497155 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 18831238 |  | C A | N/A | N/A | Closed | FCRE6026 | 2025-08-22 14:18 | 2025-08-25 08:27 | Resolved | 1 - Information C A | Credit | Income | Potential Employment/income Issues identified in the file | Resolved-LOE, Doctors Note and WVOE provided. - Due Diligence Vendor-08/25/2025 <br> Ready for Review-Document Uploaded. See the attached.<br>Dr. Note<br> Letter of verification<br> Written VOE showing on Disability. - Seller-08/22/2025 <br> Open-BWR1 is currently on disability and per employer letter returning to work xxx. There wasn't a Doctor letter or any other documentation. Additionally, BWR's income to qualify was from paystubs/WVOE. - Due Diligence Vendor-08/22/2025 | Ready for Review-Document Uploaded. See the attached.<br>Dr. Note<br> Letter of verification<br> Written VOE showing on Disability. - Seller-08/22/2025 | Resolved-LOE, Doctors Note and WVOE provided. - Due Diligence Vendor-08/25/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Qualifying FICO Of xxx 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 35.22% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 35.22% 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 - 10.00 Years Borrower At Current Residence For Five (5) Or More Years - 10.00 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 59.63% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Original CLTV Of 59.63% 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 23.84 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 23.84 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 - 15.38 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.38 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 - 19.08 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 19.08 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 13194977 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 11202890 | xxx | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18793255 |  | C A | N/A | N/A | Closed | FCOM4227 | 2025-08-25 07:56 | 2025-08-28 12:41 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-FCD received, data entered, no additional compliance findings. - Due Diligence Vendor-08/28/2025 <br>Ready for Review-Document Uploaded. See attached 2 files<br> - Buyer-08/27/2025 <br>Open- Borrower(s) executed Final Closing Disclosure, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-08/25/2025 |  | Resolved-FCD received, data entered, no additional compliance findings. - Due Diligence Vendor-08/28/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Qualifying FICO Of xxx 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 11.79% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 11.79% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.08 Years Borrower At Current Residence For Five (5) Or More Years - 8.08 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.58 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 19.58 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 - 15.08 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.08 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.87 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.87 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 19239659 | xxx | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 14500297 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 14689487 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 15359563 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 10148301 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 11697432 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 14260256 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 10510364 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 13222612 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 15065025 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 10628949 | xxx | C A | A | A | Closed | FCRE1324 | 2025-08-26 17:06 | 2025-09-04 15:14 | Resolved | 1 - Information C A | Credit | Income | Borrower 1 Tax Returns Not Signed | Resolved-Borrower 1 Signed Tax Returns Resolved - Due Diligence Vendor-09/04/2025 <br>Ready for Review-Document Uploaded. - Seller-09/04/2025 <br>Open-Borrower 1 Tax Returns Not Signed - Due Diligence Vendor-08/26/2025 | Ready for Review-Document Uploaded. - Seller-09/04/2025<br>| Resolved-Borrower 1 Signed Tax Returns Resolved - Due Diligence Vendor-09/04/2025<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 - 7.38 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 - 15.73 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 18.23% 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 7.2 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 43.15% 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 10628949 | xxx | C A | A | A | Closed | FCRE1354 | 2025-08-26 17:06 | 2025-09-04 15:14 | Resolved | 1 - Information C A | Credit | Income | Borrower 2 Tax Returns Not Signed | Resolved-Borrower 2 Tax Returns Are Signed or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-09/04/2025 <br>Ready for Review-Document Uploaded. - Seller-09/04/2025 <br>Open-Borrower 2 Tax Returns Not Signed - Due Diligence Vendor-08/26/2025 | Ready for Review-Document Uploaded. - Seller-09/04/2025<br>| Resolved-Borrower 2 Tax Returns Are Signed or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-09/04/2025<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 - 7.38 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 - 15.73 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 18.23% 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 7.2 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 43.15% 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11519669 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 12856639 |  | D A | A | A | Closed | FCRE3653 | 2025-08-29 18:16 | 2025-09-10 13:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-Cash out letter provided. - Due Diligence Vendor-09/10/2025 <br> Ready for Review-Document Uploaded. - Seller-09/09/2025 <br> Open-A signed and dated letter of explanation from B1 regarding the use of loan funds must be provided for cash-out refinance transactions. - Due Diligence Vendor-08/29/2025 | Ready for Review-Document Uploaded. - Seller-09/09/2025<br>| Resolved-Cash out letter provided. - Due Diligence Vendor-09/10/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.42 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.56% 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 - 9.17 Years |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 10827804 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 11657387 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno |  |  |  |
| 19980159 |  | C B A | A | A | Closed | finding-3631 | 2025-08-27 18:05 | 2025-09-09 07:33 | Cured | 2 - Non-Material C B | Compliance | Points & Fees | Reimbursement Amount Validation Test | Cured-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-09/09/2025 <br> Ready for Review-Document Uploaded. - Seller-09/08/2025 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. \*\*\*\*\*A revised Loan Estimate / Closing Disclosure must be provided within 3 business days of receiving information sufficient to establish a changed circumstance. The final Appraisal charge amount of $xxx was known on appraiser signature date of xxx, and email delivery of appraisal to borrower dated xxx, but not disclosed to the borrower until xxx, 0% tolerance cure in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-08/27/2025 <br> Open- - Due Diligence Vendor-08/27/2025 | Ready for Review-Document Uploaded. - Seller-09/08/2025<br>| Cured-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-09/09/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.71% 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 6.79 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 - 15.17 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 - 15.53 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 19980159 |  | C B A | A | A | Closed | finding-3634 | 2025-08-27 18:05 | 2025-09-09 07:32 | Cured | 2 - Non-Material C B | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Cured-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-09/09/2025 <br> Ready for Review-Document Uploaded. - Seller-09/08/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). \*\*\*\*\*A revised Loan Estimate / Closing Disclosure must be provided within 3 business days of receiving information sufficient to establish a changed circumstance. The final Appraisal charge amount of $xxx was known on appraiser signature date of xxx, and email delivery of appraisal to borrower dated xxx, but not disclosed to the borrower until xxx, 0% tolerance cure in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-08/27/2025 <br> Open- - Due Diligence Vendor-08/27/2025 | Ready for Review-Document Uploaded. - Seller-09/08/2025<br>| Cured-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-09/09/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.71% 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 6.79 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 - 15.17 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 - 15.53 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 19980159 |  | C B A | A | A | Closed | finding-3632 | 2025-08-27 18:05 | 2025-09-09 07:32 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-09/09/2025 <br> Ready for Review-Document Uploaded. - Seller-09/08/2025 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. \*\*\*\*\*A revised Loan Estimate / Closing Disclosure must be provided within 3 business days of receiving information sufficient to establish a changed circumstance. The final Appraisal charge amount of $xxx was known on appraiser signature date of xxx, and email delivery of appraisal to borrower dated xxx, but not disclosed to the borrower until xxx, 0% tolerance cure in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-08/27/2025 <br> Open- - Due Diligence Vendor-08/27/2025 | Ready for Review-Document Uploaded. - Seller-09/08/2025<br>| Resolved-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-09/09/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.71% 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 6.79 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 - 15.17 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 - 15.53 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 12071629 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 14970607 |  | C A | A | A | Closed | FCRE1193 | 2025-08-27 09:14 | 2025-08-28 12:11 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 48.8% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-08/28/2025 <br> Ready for Review-Document Uploaded. the xxx xxx auto loan is paid by a third party see attached bank stmt and transaction history . That is why it was excluded.<br> Please send back to xxx<br> Thank you <br> xxx<br> - Seller-08/27/2025 <br> Open-Audited DTI of 53.12% exceeds Guideline DTI of 50% DTI outside of Lender guidelines. Lender used the car allowance from B1's employer amount of $xxx as well as excluded the car payment from final debt calculation of $xxx Which is doubling up and giving them positive income. Minus the difference. Audited review DTI of 53.12% and 47.313% Lenders = 5.807% variance.This put borrower outside of lender guidelines max DTI is 50%.<br> - Due Diligence Vendor-08/27/2025 | Ready for Review-Document Uploaded. the xxx xxx auto loan is paid by a third party see attached bank stmt and transaction history . That is why it was excluded.<br> Please send back to xxx<br> Thank you <br> xxx<br> - Seller-08/27/2025 | Resolved-Audited DTI of 48.8% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-08/28/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 69.06% Is Below the Guideline Maximum Of 90% 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 - 18.17 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 - 7.33 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 - 22.17 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 0.1 |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 17596144 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 11087759 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18146521 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 14800001 | xxx | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 12218284 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 15764348 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18383325 |  | D A | N/A | N/A | Closed | FCRE1764 | 2025-08-27 13:25 | 2025-08-29 07:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Verification of Mortgage | Resolved-1st Lien Mortgage statement provided. - Due Diligence Vendor-08/29/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-08/28/2025 <br> Open-Provide Mortgage Statement for the Subject Property 1st mortgage " xxx", for Verify the Monthly Payment $xxx, and Balance is $xxx. Needed to input proper interest rate on title screen. - Due Diligence Vendor-08/27/2025 |  | Resolved-1st Lien Mortgage statement provided. - Due Diligence Vendor-08/29/2025<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 - 18.48 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 10.95% Is Less Than The Guideline Maximum Of 45% 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 - 18.47 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.4 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 15224021 |  | C A | N/A | N/A | Closed | FCOM1223 | 2025-08-27 06:06 | 2025-08-28 07:01 | 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-08/28/2025 <br>Ready for Review-Document Uploaded. see attached<br> - Buyer-08/27/2025 <br>Open-The Deed of Trust is Not Executed The Deed of Trust and Riders are Not Executed. - Due Diligence Vendor-08/27/2025 |  | Resolved-The Deed of Trust is Executed - Due Diligence Vendor-08/28/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 69.95% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.13% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.77 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.65 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 - 23.00 Years |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 16288267 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 15330878 |  | D B A | N/A | N/A | Closed | FPRO7466 | 2025-08-29 08:01 | 2025-09-03 07:30 | Waived | 2 - Non-Material C B | Property | Third Party Valuation | AVM Value(s) Do Not Adhere To Tolerance Criteria | Waived-Exception granted with supporting comp factors: Exception needed tor AVM confidence score <90% (89%) - Due Diligence Vendor-09/03/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-09/02/2025 <br>Open-AVM Confidence Score is 0.89. Guidelines require a Confidence Score of 90 or higher. Provide valid property valuation. - Due Diligence Vendor-08/29/2025 |  | Waived-Exception granted with supporting comp factors: Exception needed tor AVM confidence score <90% (89%) - Due Diligence Vendor-09/03/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 73.42% Is Below the Guideline Maximum Of 90% 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 - 10.25 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 - 6.54 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 53.6 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months | LTV Max 90% Subject 73.3%<br> Multiple trades with history dating back to xxx. No lates reported | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxx |
| 15330878 |  | D B A | N/A | N/A | Closed | FCRE1161 | 2025-08-27 18:26 | 2025-09-02 13:11 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-09/02/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-09/02/2025 <br>Open-Missing Flood Certificate Flood Certificate is Missing - Due Diligence Vendor-08/27/2025 |  | Resolved-Flood Certificate is fully present - Due Diligence Vendor-09/02/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 73.42% Is Below the Guideline Maximum Of 90% 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 - 10.25 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 - 6.54 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 53.6 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14531571 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 12929103 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 15800099 |  | D A | A | A | Closed | FCRE1316 | 2025-08-28 03:55 | 2025-09-02 07:59 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-09/02/2025 <br>Ready for Review-Document Uploaded. - Seller-08/29/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-08/28/2025 | Ready for Review-Document Uploaded. - Seller-08/29/2025<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-09/02/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.51% 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 23.63 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 - 6 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 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 - 21.30 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 15800099 |  | D A | A | A | Closed | FCRE1330 | 2025-08-28 03:55 | 2025-09-02 07:59 | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower 1 Paystubs Missing | Resolved-Borrower 1 Paystubs Provided - Due Diligence Vendor-09/02/2025 <br>Ready for Review-Document Uploaded. - Seller-08/29/2025 <br>Open-Borrower 1 Paystubs Missing - Due Diligence Vendor-08/28/2025 | Ready for Review-Document Uploaded. - Seller-08/29/2025<br>| Resolved-Borrower 1 Paystubs Provided - Due Diligence Vendor-09/02/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.51% 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 23.63 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 - 6 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 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 - 21.30 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 15800099 |  | D A | A | A | Closed | FCRE1328 | 2025-08-28 03:55 | 2025-09-02 07:59 | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower 1 W2/1099 Missing | Resolved-Borrower 1 W2/1099 Provided - Due Diligence Vendor-09/02/2025 <br>Ready for Review-Document Uploaded. - Seller-08/29/2025 <br>Open-Borrower 1 W2/1099 Missing - Due Diligence Vendor-08/28/2025 | Ready for Review-Document Uploaded. - Seller-08/29/2025<br>| Resolved-Borrower 1 W2/1099 Provided - Due Diligence Vendor-09/02/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.51% 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 23.63 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 - 6 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 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 - 21.30 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 10138910 |  | C A | A | A | Closed | FCRE1193 | 2025-08-28 11:07 | 2025-09-05 11:33 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 38.93% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-09/05/2025 <br> Resolved-Updated 1008 with Audited DTI of 38.9% provided. - Due Diligence Vendor-09/05/2025 <br> Ready for Review-Document Uploaded. - Seller-09/04/2025 <br> Counter-Document Uploaded. Lender's 1008 does not reflect the 1st Lien P&I payment of $xxx - Total PITIA is $xxx vs Lenders $xxx - updated 1008 showing audited DTI of 35.84% is needed. The Total LTV also needs to reflect 1st & 2nd total LTV/CLTV/HCLTV of 12.42%/75.14%/75.14% - Due Diligence Vendor-09/04/2025 <br> Ready for Review-Document Uploaded. - Seller-09/03/2025 <br> Open-DTI discrepancy (audit 35.84% vs lender 26.82%) due to amount of other lien. Monthly amount verified per mortgage statement in file $xxx not taken into consideration by lender. Provide updated 1008 reflecting updated DTI figures 16.00% / 35.84%. - Due Diligence Vendor-08/28/2025 | Ready for Review-Document Uploaded. - Seller-09/04/2025 <br>Ready for Review-Document Uploaded. - Seller-09/03/2025<br>| Resolved-Audited DTI of 38.93% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-09/05/2025 <br>Resolved-Updated 1008 with Audited DTI of 38.9% provided. - Due Diligence Vendor-09/05/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.17 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.84% 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 - 14.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.11 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 12825908 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 15694861 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno |  |  |  |
| 15125919 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18208191 |  | B A | A | A | Closed | FCRE1182 | 2025-08-28 15:47 | 2025-09-02 08:02 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-09/02/2025 <br>Ready for Review-Document Uploaded. - Seller-08/29/2025 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-08/28/2025 | Ready for Review-Document Uploaded. - Seller-08/29/2025<br>| Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-09/02/2025<br>| Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.05 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 - 11.88 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 - 33.00 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> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 70.65 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 - 8.33 Years |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 17200798 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 11639692 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 17621412 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18957031 |  | C B A | N/A | N/A | Closed | FCRE1200 | 2025-08-28 17:28 | 2025-09-02 12:42 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Exception granted with supporting comp factors: Min - xxx Subj - $xxx - Due Diligence Vendor-09/02/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-09/02/2025 <br> Open-Audited Loan Amount of xxx is less than the Guideline Minimum Loan Amount of xxx - Due Diligence Vendor-08/28/2025 |  | Waived-Exception granted with supporting comp factors: Min - xxx Subj - $xxx - Due Diligence Vendor-09/02/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.84 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points | LTV - Max - 80% Subject - 70%<br> Mortgage - History dating back to xxx. No lates reported | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxx |
| 12224082 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Home Improvement/Reno |  |  |  |
| 19239059 |  | D A | N/A | N/A | Closed | FCRE1182 | 2025-08-29 04:51 | 2025-09-16 11:27 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-09/03/2025 <br>Ready for Review-Document Uploaded. - Seller-09/03/2025 <br>Open-1008/Underwriting Summary Not Provided. Provide completed 1008 for the subject property transaction to review how the loan was approved and compare with DTI. - Due Diligence Vendor-08/29/2025 | Ready for Review-Document Uploaded. - Seller-09/03/2025<br>| Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-09/03/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 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 - 9.45 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.94 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 19239059 |  | D A | N/A | N/A | Closed | FCRE1193 | 2025-08-29 23:14 | 2025-09-16 11:27 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 45.27% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-09/11/2025 <br> Ready for Review-The following liabilities are already paid as per the new credit report: xxx BANK #xxx and xxx BANK #xxx.<br>The following liabilities as per the new credit report have outstanding balance less than 10 monthly payments and hence have been excluded from the DTI calculation: xxx #xxx and xxx #xxx. - Seller-09/10/2025 <br> Counter-Document Uploaded. Audited Income $xxx - B1 (xxx) Total Consumer Debts is $xxx (xxx #xxx) all other B1 debts were PIF at closing (totaling 6 debts) - B2 (xxx) Total Consumer Debts $xxx - Totaling $xxx Lenders 1008 reflects $xxx - Where is that total coming from? - Due Diligence Vendor-09/10/2025 <br> Ready for Review-Document Uploaded. - Seller-09/09/2025 <br> Counter-DTI exceeds guidelines is due to B2 "xxx" CBR & Final 1003 reflect 7 debts not being paid off at closing that total $xxx & 1 remaining debt for B1 "xxx" xxx #xxx $xxx = Total Debts $xxx - vs Lenders 1008 reflecting Total debts as $xxx with a DTI of 45.502% - Due Diligence Vendor-09/05/2025 <br> Ready for Review-Document Uploaded. Income calculation and documents attached - Seller-09/04/2025 <br> Open-Audited DTI of 55.57% exceeds Guideline DTI of 50% Income Documentation is not in the file to validate earnings and DTI reported at 55.57% exceeding Guideline DTI of 50% - Due Diligence Vendor-08/30/2025 | Ready for Review-The following liabilities are already paid as per the new credit report: xxx #xxx and xxx #xxx.<br>The following liabilities as per the new credit report have outstanding balance less than 10 monthly payments and hence have been excluded from the DTI calculation: xxx #xxx and xxx #xxx. - Seller-09/10/2025 <br> Ready for Review-Document Uploaded. - Seller-09/09/2025 <br> Ready for Review-Document Uploaded. Income calculation and documents attached - Seller-09/04/2025 | Resolved-Audited DTI of 45.27% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-09/11/2025<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>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 - 9.45 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.94 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 19239059 |  | D A | N/A | N/A | Closed | FCRE1294 | 2025-08-29 06:43 | 2025-09-16 11:17 | Resolved | 1 - Information C A | Credit | Income | Income 3 Months Income Verified is Missing | Resolved-Income 3 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-09/05/2025 <br> Ready for Review- - Due Diligence Vendor-09/05/2025 <br> Ready for Review-Document Uploaded. Only base and OT income used for borrower xxx. Other income is reported on income calculation; however, not used. - Seller-09/04/2025 <br> Open-Income 3 Months Income Verified is Missing Borrower 2 Income Docs Missing Calculated as per Worksheet - Due Diligence Vendor-08/29/2025 | Ready for Review-Document Uploaded. Only base and OT income used for borrower xxx. Other income is reported on income calculation; however, not used. - Seller-09/04/2025 | Resolved-Income 3 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-09/05/2025<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>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 - 9.45 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.94 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 19239059 |  | D A | N/A | N/A | Closed | FCRE1316 | 2025-08-29 06:43 | 2025-09-16 11:17 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-09/10/2025 <br> Ready for Review-Document Uploaded. - Seller-09/09/2025 <br> Counter-Missing VVOE dated 10 days prior to closing xxx - Due Diligence Vendor-09/05/2025 <br> Ready for Review-Document Uploaded. - Seller-09/04/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Borrower 1 VOE Missing - Due Diligence Vendor-08/29/2025 | Ready for Review-Document Uploaded. - Seller-09/09/2025 <br>Ready for Review-Document Uploaded. - Seller-09/04/2025<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-09/10/2025<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>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 - 9.45 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.94 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 19239059 |  | D A | N/A | N/A | Closed | FCRE1347 | 2025-08-29 06:43 | 2025-09-16 11:17 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-09/10/2025 <br> Ready for Review-Document Uploaded. - Seller-09/09/2025 <br> Counter-Missing VVOE dated 10 days prior to closing xxx - Due Diligence Vendor-09/05/2025 <br> Ready for Review-Document Uploaded. - Seller-09/04/2025 <br> Open-Borrower 2 3rd Party VOE Prior to Close Missing Borrower 2 VOE Missing - Due Diligence Vendor-08/29/2025 | Ready for Review-Document Uploaded. - Seller-09/09/2025 <br>Ready for Review-Document Uploaded. - Seller-09/04/2025<br>| Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-09/10/2025<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>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 - 9.45 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.94 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 19239059 |  | D A | N/A | N/A | Closed | FCRE1292 | 2025-08-29 06:43 | 2025-09-16 11:17 | Resolved | 1 - Information C A | Credit | Income | Income 1 Months Income Verified is Missing | Resolved-Income 1 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-09/05/2025 <br> Ready for Review-Document Uploaded. Only base income used for borrower xxx. Other income is reported on income calculation; however, not used. - Seller-09/04/2025 <br> Open-Income 1 Months Income Verified is Missing Borrower 1 Income Docs Missing Calculated as per Worksheet - Due Diligence Vendor-08/29/2025 | Ready for Review-Document Uploaded. Only base income used for borrower xxx. Other income is reported on income calculation; however, not used. - Seller-09/04/2025 | Resolved-Income 1 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-09/05/2025<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>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 - 9.45 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.94 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 19239059 |  | D A | N/A | N/A | Closed | FCRE1293 | 2025-08-29 06:43 | 2025-09-16 11:17 | Resolved | 1 - Information C A | Credit | Income | Income 2 Months Income Verified is Missing | Resolved-Income 2 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-09/05/2025 <br> Ready for Review- - Due Diligence Vendor-09/05/2025 <br> Ready for Review-Document Uploaded. Only base and OT income used for borrower xxx. Other income is reported on income calculation; however, not used. - Seller-09/04/2025 <br> Open-Income 2 Months Income Verified is Missing Borrower 2 Income Docs Missing Calculated as per Worksheet - Due Diligence Vendor-08/29/2025 | Ready for Review-Document Uploaded. Only base and OT income used for borrower xxx. Other income is reported on income calculation; however, not used. - Seller-09/04/2025 | Resolved-Income 2 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-09/05/2025<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>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 - 9.45 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.94 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 19239059 |  | D A | N/A | N/A | Closed | FCRE7009 | 2025-08-29 23:18 | 2025-09-05 08:15 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved- - Due Diligence Vendor-09/05/2025 <br> Ready for Review-Document Uploaded. - Seller-09/04/2025 <br> Open-Updated HOI declaration for the subject property reflecting sufficient dwelling coverage, effective dates, and annual premium with xxx as 2nd mortgagee & xxx as 1st Mortgagee. - Due Diligence Vendor-08/30/2025 | Ready for Review-Document Uploaded. - Seller-09/04/2025<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>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 - 9.45 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.94 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11740504 |  | D A | N/A | N/A | Closed | FCRE2109 | 2025-08-29 09:01 | 2025-09-02 09:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-09/02/2025 <br>Ready for Review-Document Uploaded. - Seller-08/29/2025 <br>Open-Missing Lender Worksheet or Bank Statement Summary bank statement program must include Seller's income calculations - Due Diligence Vendor-08/29/2025 | Ready for Review-Document Uploaded. - Seller-08/29/2025<br>| Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-09/02/2025<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 - 5.56 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.56 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 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 xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 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 - 10.08 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.08 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 41.45 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 41.45 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 13428625 |  | D A | N/A | N/A | Closed | FCRE3978 | 2025-08-29 21:07 | 2025-09-02 08:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Letter of Explanation (Credit) missing or unexecuted | Resolved-Undisclosed Debt Acknowledgement signed form provided - Due Diligence Vendor-09/02/2025 <br>Ready for Review-Document Uploaded. See Attached - Seller-09/02/2025 <br>Open-Missing required signed LOE for inquiries on credit report. All inquiries within the most recent 90 days of the credit report, a signed letter of explanation from the borrower or creditor is required to determine whether additional credit was granted as a result of the borrower's request. - Due Diligence Vendor-08/30/2025 | Ready for Review-Document Uploaded. See Attached - Seller-09/02/2025<br>| Resolved-Undisclosed Debt Acknowledgement signed form provided - Due Diligence Vendor-09/02/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 25.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.62% 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 - 26.00 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 67.27% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.95 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 13428625 |  | D A | N/A | N/A | Closed | FCRE5047 | 2025-08-29 21:12 | 2025-09-02 08:06 | Resolved | 1 - Information C A | Credit | Title | Amount of title insurance is less than mortgage amount | Resolved-Updated Title Policy Provided. - Due Diligence Vendor-09/02/2025 <br> Ready for Review-Document Uploaded. See attached final title policy, loan size is correct at $xxx. - Seller-09/02/2025 <br> Open-Title commitment to reflect a policy amount of $xxx – current policy reflects $xxx. - Due Diligence Vendor-08/30/2025 | Ready for Review-Document Uploaded. See attached final title policy, loan size is correct at $xxx. - Seller-09/02/2025 | Resolved-Updated Title Policy Provided. - Due Diligence Vendor-09/02/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 25.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.62% 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 - 26.00 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 67.27% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.95 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 10676039 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 15909471 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 17276402 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 12644965 |  | C B A | A | A | Closed | FCRE3874 | 2025-09-03 13:32 | 2025-09-04 12:57 | Waived | 2 - Non-Material C B | Credit | Eligibility | Neighborhood Location Not Allowed for Guidelines | Waived-Exception granted with supporting comp factors: 2nd lien zoned AG - Due Diligence Vendor-09/04/2025 <br>Ready for Review-Document Uploaded. - Seller-09/03/2025 <br>Open-Primary Value Valuation Neighborhood Location Not Allowed for Program Missing approved exception with comp factors for AG property of 10 acres. - Due Diligence Vendor-09/03/2025 | Ready for Review-Document Uploaded. - Seller-09/03/2025<br>| Waived-Exception granted with supporting comp factors: 2nd lien zoned AG - Due Diligence Vendor-09/04/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.13% 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 - 21.25 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 80.56 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 - 17.08 Years | Strong Credit, <br> Good Residual Income, <br> Good Reserves | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxx |
| 17094842 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 16733215 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 15550155 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 10738186 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 19571129 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 10796189 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18526471 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |  |
| 10940884 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 17939020 |  | D A | N/A | N/A | Closed | FCOM8227 | 2025-08-31 13:44 | 2025-09-05 10:27 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-09/05/2025 <br> Ready for Review-Document Uploaded. see attached - Buyer-09/04/2025 <br> Open-\*\*\*\* 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, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-08/31/2025 |  | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-09/05/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.56% 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 - 8.98 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.15 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 10025901 |  | D A | N/A | N/A | Closed | FPRO1242 | 2025-08-29 02:32 | 2025-09-04 09:33 | Resolved | 1 - Information D A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-AVM provided Confidence is 95% - Due Diligence Vendor-09/04/2025 <br> Resolved-Appraisal has been provided - Due Diligence Vendor-09/04/2025 <br> Ready for Review-Document Uploaded. - Seller-09/03/2025 <br> Counter-Missing AVM - Please provide. - Due Diligence Vendor-09/03/2025 <br> Ready for Review-Document Uploaded. Appraisal was not required - Seller-09/03/2025 <br> Open-Appraisal is Missing The Loan is Second Lien it is qualifying with AVM and Condition Inspection . But AVM is Missing. Provided Condition Inspection # xxx - Due Diligence Vendor-08/29/2025 | Ready for Review-Document Uploaded. - Seller-09/03/2025 <br>Ready for Review-Document Uploaded. Appraisal was not required - Seller-09/03/2025<br>| Resolved-AVM provided Confidence is 95% - Due Diligence Vendor-09/04/2025 <br>Resolved-Appraisal has been provided - Due Diligence Vendor-09/04/2025<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 - 10.00 Years<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.64 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 - 5.64 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.5% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 54.14% 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 - 11.92 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 62.34 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 10025901 |  | D A | N/A | N/A | Closed | FCRE1182 | 2025-08-29 05:30 | 2025-09-03 14:14 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-09/03/2025 <br>Ready for Review-Document Uploaded. - Seller-09/03/2025 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-08/29/2025 | Ready for Review-Document Uploaded. - Seller-09/03/2025<br>| Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-09/03/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.64 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 - 5.64 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.5% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 54.14% 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 - 11.92 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 62.34 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 10025901 |  | D A | N/A | N/A | Closed | FCRE7497 | 2025-08-29 03:30 | 2025-09-03 14:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-HOI & Tax Cert provided. - Due Diligence Vendor-09/03/2025 <br> Ready for Review-Document Uploaded. No HOA - Seller-09/03/2025 <br> Open-Borrower is having simultaneous loan with xxx bank for xxx . Required tax , insurance documents to calculate monthly mortgage - Due Diligence Vendor-08/29/2025 | Ready for Review-Document Uploaded. No HOA - Seller-09/03/2025<br>| Resolved-HOI & Tax Cert provided. - Due Diligence Vendor-09/03/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.64 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 - 5.64 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.5% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 54.14% 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 - 11.92 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 62.34 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 10028543 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 15267341 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 19995081 |  | D A | N/A | N/A | Closed | FCRE1468 | 2025-09-02 14:02 | 2025-09-05 10:21 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 2 Missing | Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-09/05/2025 <br> Ready for Review-Document Uploaded. Attached new 1003 with the asset accounts removed..<br> Assets do not need to be verified. - Seller-09/04/2025 <br> Open-Asset 2 Missing xxx bank statement for account #xxx with a balance of $xxx is missing from the file. - Due Diligence Vendor-09/02/2025 | Ready for Review-Document Uploaded. Attached new 1003 with the asset accounts removed..<br> Assets do not need to be verified. - Seller-09/04/2025<br>| Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-09/05/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 64.23% 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 27.11 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 30.29% Is Less Than The Guideline Maximum Of 75% 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 - 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 - 20.08 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 10490242 |  | C A | N/A | N/A | Closed | FCRE5790 | 2025-09-03 10:01 | 2025-09-03 15:57 | 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-09/03/2025 <br> Ready for Review-Document Uploaded. - Seller-09/03/2025 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). The gap credit report, soft-pull or final report for the undisclosed debt monitoring is to be dated within 15 days of note date. GAP dated xxx; Note date xxx - Due Diligence Vendor-09/03/2025 | Ready for Review-Document Uploaded. - Seller-09/03/2025<br>| Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-09/03/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.06% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 23.06% 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 - 18.00 Years Borrower At Current Residence For Five (5) Or More Years - 18.00 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.53 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.53 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 0.17 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.47 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 40.47 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 - 25.17 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.17 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 10490242 |  | C A | N/A | N/A | Closed | FCRE5791 | 2025-09-03 10:01 | 2025-09-03 15:57 | 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-09/03/2025 <br> Ready for Review-Document Uploaded. - Seller-09/03/2025 <br> Open-Borrower 2 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). The gap credit report, soft-pull or final report for the undisclosed debt monitoring is to be dated within 15 days of note date. GAP xxx; Note date xxx - Due Diligence Vendor-09/03/2025 | Ready for Review-Document Uploaded. - Seller-09/03/2025<br>| Resolved-Borrower 2 Gap Credit Report is not expired. - Due Diligence Vendor-09/03/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.06% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 23.06% 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 - 18.00 Years Borrower At Current Residence For Five (5) Or More Years - 18.00 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.53 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.53 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 0.17 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.47 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 40.47 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 - 25.17 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.17 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 10704610 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 16358769 |  | D A | N/A | N/A | Closed | FCOM1262 | 2025-09-03 10:31 | 2025-09-05 16:53 | Resolved | 1 - Information D A | Compliance | Missing Doc - ROR | Right of Rescission is Missing | Resolved-Right of Rescission is Provided - Due Diligence Vendor-09/05/2025 <br>Ready for Review-Document Uploaded. see attached - Buyer-09/04/2025 <br>Open-Right of Rescission is Missing - Due Diligence Vendor-09/03/2025 |  | Resolved-Right of Rescission is Provided - Due Diligence Vendor-09/05/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.91 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 - 27 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.33% 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 69.98% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.64 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | xxx |
| 18580798 |  | C A | N/A | N/A | Closed | FCRE1193 | 2025-09-03 11:25 | 2025-09-08 16:15 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Updated 1008 provided. - Due Diligence Vendor-09/08/2025 <br>Ready for Review-Document Uploaded. Concur - please see attached revised 1008. Thanks - Buyer-09/08/2025 <br>Open-DTI discrepancy (audit 38.22% vs lender 34.74%) due to lender not including second lien payment on primary property. <br> - Due Diligence Vendor-09/03/2025 |  | Resolved-Updated 1008 provided. - Due Diligence Vendor-09/08/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.22% 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 19.52 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 - 15.00 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 69.72% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.33 Years |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 10223798 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 14196718 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 15799006 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 19673630 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 10091917 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 12166424 |  | C A | N/A | N/A | Closed | FCRE2994 | 2025-09-04 16:25 | 2025-09-08 16:14 | Resolved | 1 - Information C A | Credit | Eligibility | DTI (Back) Ratio does not meet eligibility requirement(s) | Resolved-Updated 1008 provided. - Due Diligence Vendor-09/08/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-09/08/2025 <br> Open-DTI of 44.19%, loan amount of $xxx and Rate of 8.75% does not match documentation found in the file. The file supports a DTI of 40.57%, a loan amount of $xxx and a rate of 8.5% - Due Diligence Vendor-09/04/2025 |  | Resolved-Updated 1008 provided. - Due Diligence Vendor-09/08/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 57.13% 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 - 10.51 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.57% 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 8.55 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 - 10.51 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 15444975 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 19905676 |  | D A | N/A | N/A | Closed | FCOM8844 | 2025-08-31 03:23 | 2025-09-05 16:54 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Evidence of Business Purpose use of Proceeds | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-09/05/2025 <br>Ready for Review-Document Uploaded. see attached - Buyer-09/04/2025 <br>Open-Business Purpose Disclosure stating how funds will be used or letter from borrower regarding the use of funds is missing. - Due Diligence Vendor-09/03/2025 |  | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-09/05/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.35 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 46.64% Is Below the Guideline Maximum Of 70% By Ten Percent (10%) or More |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 13881169 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 14335373 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 17577967 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 10187959 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 10196095 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |  |
| 19881247 |  | C A | A | A | Closed | FCRE1305 | 2025-09-03 19:07 | 2025-09-08 08:10 | Resolved | 1 - Information C A | Credit | Income | Income 2 Income Trend is Decreasing | Resolved- - Due Diligence Vendor-09/08/2025 <br> Resolved-Updated 1008, 1003 & LOE using the less income for B2 of $xxx - Due Diligence Vendor-09/08/2025 <br> Ready for Review-Document Uploaded. - Seller-09/05/2025 <br> Open-Income 2 Income Trend is Decreasing Provide a letter of explanation explaining the decline in xxx income from xxx to xxx - Due Diligence Vendor-09/03/2025 | Ready for Review-Document Uploaded. - Seller-09/05/2025<br>| Resolved-Updated 1008, 1003 & LOE using the less income for B2 of $xxx - Due Diligence Vendor-09/08/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.56% 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 - 7.92 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.32 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 19082672 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 16372199 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 16352956 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 12190039 |  | C A | A | A | Closed | FCRE5790 | 2025-09-04 18:53 | 2025-09-08 11:13 | 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-09/08/2025 <br> Ready for Review-Document Uploaded. - Seller-09/05/2025 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Gap report dated xxx is more than 10 BSN days from note date of xxx. - Due Diligence Vendor-09/04/2025 | Ready for Review-Document Uploaded. - Seller-09/05/2025<br>| Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-09/08/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.21 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 63.79% 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 25.28 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 13240848 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Refinance | Cash Out - Other |  |  |  |
| 11533392 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 17329018 | xxx | D A | D | A | Closed | FPRO4876 | 2025-09-04 07:18 | 2025-09-09 09:09 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | Property located in a xxx area. | Resolved-xxx with Images stating Free and clear of xxx related xxx was provided. - Due Diligence Vendor-09/09/2025 <br> Ready for Review-Document Uploaded. xxx attached - Buyer-09/08/2025 <br> Open-Property is located in a xxx area and requires a xxx inspection. Provide a xxx report- Subject property is in xxx county area and xxx is effective and continuing after appraisal and prior to note date. - Due Diligence Vendor-09/04/2025 |  | Resolved-xxx with Images stating Free and clear of xxx was provided. - Due Diligence Vendor-09/09/2025 | 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 - 20 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 - 20.65 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.61 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 34.47% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 15816924 | xxx | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 16892400 |  | C B A | N/A | N/A | Closed | FPRO7466 | 2025-09-05 12:55 | 2025-09-08 07:56 | Waived | 2 - Non-Material C B | Property | Third Party Valuation | AVM Value(s) Do Not Adhere To Tolerance Criteria | Waived-Exception granted with supporting comp factors: Min Confidence score on AVM -.90 Subject - .89 - Due Diligence Vendor-09/08/2025 <br> Ready for Review-Document Uploaded. Please see attached exception approval that was in the loan file. - Buyer-09/07/2025 <br> Open-AVM provided in file has a confidence score of 89. Guidelines require 90 or higher. Provide valid valuation. - Due Diligence Vendor-09/05/2025 |  | Waived-Exception granted with supporting comp factors: Min Confidence score on AVM -.90 Subject - .89 - Due Diligence Vendor-09/08/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 52.94% Is Below the Guideline Maximum Of 65% By Ten Percent (10%) or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points | LTV Max 90% Subject 53%<br> Multiple Trades - no lates in the last 5 years | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxx |
| 17525707 |  | B A | N/A | N/A | Closed | FCOM1266 | 2025-09-04 10:28 | 2025-09-09 07:35 | Resolved | 1 - Information B A | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-09/09/2025 <br>Ready for Review-Document Uploaded. see attached - Buyer-09/08/2025 <br>Open-Homeownership Counseling Disclosure Is Missing in the file - Due Diligence Vendor-09/04/2025 |  | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-09/09/2025<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 - 8.27 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.27 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 41.93 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 28.17% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Original LTV Of 28.17% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.15% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 25.15% 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 17525707 |  | B A | N/A | N/A | Closed | FCOM1797 | 2025-09-04 10:31 | 2025-09-09 07:35 | Resolved | 1 - Information B A | Compliance | Missing Doc | Service Provider List is Missing | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-09/09/2025 <br>Ready for Review-Document Uploaded. see attached - Buyer-09/08/2025 <br>Open-SSPL document is missing in the file. - Due Diligence Vendor-09/04/2025 |  | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-09/09/2025<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 - 8.27 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.27 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 41.93 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 28.17% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Original LTV Of 28.17% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.15% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 25.15% 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14752263 | xxx | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 17305247 | xxx | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 17094641 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 15040328 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 15039071 |  | C B A | A | A | Closed | FCRE1199 | 2025-09-05 18:07 | 2025-09-10 13:15 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-Exception granted with supporting comp factors: Max - xxx Subject - $xxx - Due Diligence Vendor-09/10/2025 <br> Ready for Review-Document Uploaded. Please see attached exception approval that was included in the file. - Buyer-09/09/2025 <br> Open-Audited Loan Amount of $xxx is greater than the Guideline Maximum Loan Amount of $xxx - Due Diligence Vendor-09/05/2025 |  | Waived-Exception granted with supporting comp factors: Max - xxx Subject - $xxx - Due Diligence Vendor-09/10/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 34.89% 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 - 10.11 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.12 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 22.00 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 42.63% Is Below the Guideline Maximum Of 70% By Ten Percent (10%) or More | LTV Max - 70% Subject - 43%<br> DTI Max - 50% Subject - <40% | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxx |
| 14068167 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 19862604 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 14603640 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 16245204 |  | D A | N/A | N/A | Closed | FCRE5782 | 2025-09-05 05:12 | 2025-09-09 16:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-09/09/2025 <br>Ready for Review-Document Uploaded. - Seller-09/09/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-09/05/2025 | Ready for Review-Document Uploaded. - Seller-09/09/2025<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-09/09/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 48.09 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 51.7% 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 - 5.58 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.46% 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 - 14.25 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 - 14.24 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 16245204 |  | D A | N/A | N/A | Closed | FCRE1292 | 2025-09-05 05:11 | 2025-09-09 16:23 | Resolved | 1 - Information C A | Credit | Income | Income 1 Months Income Verified is Missing | Resolved-Income 1 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-09/09/2025 <br> Ready for Review-Document Uploaded. - Seller-09/09/2025 <br> Open-Income 1 Months Income Verified is Missing Per guidelines 12 months bank statements are required for bank statement income. QC only located 6 months of bank statements (xxx, xxx, xxx, xxx, xxx, & xxx) for xxx #xxx. The following xxx #xxx are missing: xxx, xxx, xxx, xxx, xxx, & xxx - Due Diligence Vendor-09/05/2025 | Ready for Review-Document Uploaded. - Seller-09/09/2025<br>| Resolved-Income 1 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-09/09/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 48.09 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 51.7% 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 - 5.58 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.46% 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 - 14.25 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 - 14.24 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 16245204 |  | D A | N/A | N/A | Closed | FCRE2109 | 2025-09-05 05:11 | 2025-09-09 16:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-09/09/2025 <br>Ready for Review-Document Uploaded. - Seller-09/09/2025 <br>Open-Missing Lender Worksheet or Bank Statement Summary Missing Lender Worksheet for bank statement income - Due Diligence Vendor-09/05/2025 | Ready for Review-Document Uploaded. - Seller-09/09/2025<br>| Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-09/09/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 48.09 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 51.7% 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 - 5.58 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.46% 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 - 14.25 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 - 14.24 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 16179845 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 13408104 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 10011126 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 16935907 |  | B A | A | A | Closed | FCRE1182 | 2025-09-05 18:17 | 2025-09-11 15:44 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-09/11/2025 <br>Ready for Review-Document Uploaded. - Seller-09/11/2025 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-09/05/2025 | Ready for Review-Document Uploaded. - Seller-09/11/2025<br>| Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-09/11/2025<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 - 7.82 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.18% 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 - 22.00 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 - 30.00 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 67.83% 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 6.59 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 15615295 |  | D A | A | A | Closed | FCRE5770 | 2025-09-07 03:57 | 2025-09-12 09:41 | 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-09/12/2025 <br>Ready for Review-Document Uploaded. - Seller-09/11/2025 <br>Open-Borrower 1 Credit Report is Missing. - Due Diligence Vendor-09/07/2025 | Ready for Review-Document Uploaded. - Seller-09/11/2025<br>| Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-09/12/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 62.34% 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 - 5.25 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.2% 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 26.25 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 15615295 |  | D A | A | A | Closed | FCRE5782 | 2025-09-07 03:57 | 2025-09-12 09:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-09/12/2025 <br>Ready for Review-Document Uploaded. - Seller-09/11/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-09/07/2025 | Ready for Review-Document Uploaded. - Seller-09/11/2025<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-09/12/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 62.34% 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 - 5.25 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.2% 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 26.25 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 12789366 |  | D A | A | A | Closed | FCRE5782 | 2025-09-07 03:51 | 2025-09-12 09:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-09/12/2025 <br> Ready for Review-Per the MERGED CREDIT REPORT in the loan file, the report was last updated xxx, our NOTE date is xxx - please review and advise! - Seller-09/11/2025 <br> Open-Borrower 1 Gap Credit Report is Missing in file - Due Diligence Vendor-09/07/2025 | Ready for Review-Per the MERGED CREDIT REPORT in the loan file, the report was last updated xxx, our NOTE date is xxx - please review and advise! - Seller-09/11/2025 | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-09/12/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.05% 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 59.87% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 12789366 |  | D A | A | A | Closed | FCRE5783 | 2025-09-07 03:51 | 2025-09-12 09:51 | 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-09/12/2025 <br> Ready for Review-Per the MERGED CREDIT REPORT in the loan file, the report was last updated xxx, our NOTE date is xxx - please review and advise! - Seller-09/11/2025 <br> Open-Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-09/07/2025 | Ready for Review-Per the MERGED CREDIT REPORT in the loan file, the report was last updated xxx, our NOTE date is xxx - please review and advise! - Seller-09/11/2025 | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-09/12/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.05% 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 59.87% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 18391738 |  | C A | N/A | N/A | Closed | FCRE1167 | 2025-09-07 03:49 | 2025-09-12 14:30 | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-09/12/2025 <br> Ready for Review-Document Uploaded. - Seller-09/11/2025 <br> Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of $xxx is less than the minimum required coverage amount of $xxx Provide documentation to support the replacement cost value used for the subject property. - Due Diligence Vendor-09/07/2025 | Ready for Review-Document Uploaded. - Seller-09/11/2025<br>| Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-09/12/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 63.29% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 35.18 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 16846481 |  | D A | N/A | N/A | Closed | FCRE5782 | 2025-09-06 05:44 | 2025-09-09 16:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-09/09/2025 <br>Ready for Review-Document Uploaded. - Seller-09/09/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-09/06/2025 | Ready for Review-Document Uploaded. - Seller-09/09/2025<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-09/09/2025<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 - 24.67 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 - 24.66 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 43.65 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 53.22% 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 - 22.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.98% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 16972789 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 15868410 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 16663523 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 14939914 |  | D A | N/A | N/A | Closed | FCRE1316 | 2025-09-07 07:41 | 2025-09-10 15:55 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-09/10/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-09/10/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-09/07/2025 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-09/10/2025<br>| Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.99 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 42 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.33 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.91% 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14939914 |  | D A | N/A | N/A | Closed | FCRE1347 | 2025-09-07 07:41 | 2025-09-10 15:55 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-09/10/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-09/10/2025 <br>Open-Borrower 2 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-09/07/2025 |  | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-09/10/2025<br>| Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.99 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 42 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.33 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.91% 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14939914 |  | D A | N/A | N/A | Closed | FCRE1145 | 2025-09-09 03:23 | 2025-09-10 15:40 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-09/10/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-09/10/2025 <br>Open-Title Document is missing - Due Diligence Vendor-09/09/2025 |  | Resolved-Title Document is fully Present - Due Diligence Vendor-09/10/2025<br>| Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.99 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 42 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.33 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.91% 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14728187 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 12104266 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 19191399 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 13775572 |  | D A | N/A | N/A | Closed | FCRE1145 | 2025-09-07 04:00 | 2025-09-12 12:35 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-09/12/2025 <br>Ready for Review-Document Uploaded. - Seller-09/11/2025 <br>Open-Title Document is missing in file - Due Diligence Vendor-09/07/2025 | Ready for Review-Document Uploaded. - Seller-09/11/2025<br>| Resolved-Title Document is fully Present - Due Diligence Vendor-09/12/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.14 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 12638704 | xxx | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 17517520 |  | D A | A | A | Closed | FCRE1325 | 2025-09-10 10:20 | 2025-09-11 07:35 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-09/11/2025 <br>Ready for Review-Document Uploaded. - Seller-09/10/2025 <br>Open-Borrower 1 CPA Letter Missing - Due Diligence Vendor-09/10/2025 | Ready for Review-Document Uploaded. - Seller-09/10/2025<br>| Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-09/11/2025<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 - 10.11 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 - 14.75 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 59.91 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 48.77% 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 - 16.00 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 9.5% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 17517520 |  | D A | A | A | Closed | FCRE5782 | 2025-09-08 07:21 | 2025-09-11 07:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-09/11/2025 <br>Ready for Review-Document Uploaded. - Seller-09/10/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-09/08/2025 | Ready for Review-Document Uploaded. - Seller-09/10/2025<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-09/11/2025<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 - 10.11 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 - 14.75 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 59.91 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 48.77% 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 - 16.00 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 9.5% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points | Borrower 1 Gap Credit Report is Missing | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 17517520 |  | D A | A | A | Closed | FCOM1206 | 2025-09-08 00:44 | 2025-09-11 07:29 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Note is Missing | Resolved-The Note is Present - Due Diligence Vendor-09/11/2025 <br>Ready for Review-Document Uploaded. - Seller-09/10/2025 <br>Open-The Note is Missing The Note document is missing in the file - Due Diligence Vendor-09/08/2025 | Ready for Review-Document Uploaded. - Seller-09/10/2025<br>| Resolved-The Note is Present - Due Diligence Vendor-09/11/2025<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 - 10.11 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 - 14.75 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 59.91 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 48.77% 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 - 16.00 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 9.5% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 10259565 |  | D A | N/A | N/A | Closed | FCRE1201 | 2025-09-07 07:40 | 2025-09-12 12:36 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-09/12/2025 <br>Ready for Review-Document Uploaded. - Seller-09/11/2025 <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-09/07/2025 | Ready for Review-Document Uploaded. - Seller-09/11/2025<br>| Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-09/12/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.00 Years Borrower At Current Residence For Five (5) Or More Years - 15.00 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.62% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 33.62% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 23.99 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 23.99 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 - 30.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30.00 Years<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 23.99 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 23.99 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.49 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 28.49 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 62.59% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Original CLTV Of 62.59% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 17638644 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 19940872 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 13106689 |  | D B A | N/A | N/A | Closed | FPRO4876 | 2025-09-10 18:08 | 2025-09-17 15:25 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | Property located in a xxxr area. | Resolved-xxx with Images stating Free and clear of xxx related xxx was provided. - Due Diligence Vendor-09/17/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-09/17/2025 <br> Open-Property is located in a xxx area and requires a xxx inspection. Subject is located in an xxx area for xxx. xxx is required to confirm no xxx to the subject property since the appraisal occured. - Due Diligence Vendor-09/10/2025 <br> Open-Property is located in a xxx area and requires a xxx inspection. Subject is located in an xxx area for xxx. xxx is required to confirm no xxx to the subject property since the appraisal occured. - Due Diligence Vendor-09/10/2025 |  | Resolved-xxx with Images stating Free and clear of xxx was provided. - Due Diligence Vendor-09/17/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.17 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 - 15.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.3% 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 15.8% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 13106689 |  | D B A | N/A | N/A | Closed | FPRO7466 | 2025-09-11 09:57 | 2025-09-17 15:24 | Waived | 2 - Non-Material C B | Property | Third Party Valuation | AVM Value(s) Do Not Adhere To Tolerance Criteria | Waived-Exception granted with supporting comp factors: AVM showing an 89% Confidence score. Max is 90% - Due Diligence Vendor-09/17/2025 <br>Ready for Review-Document Uploaded. Please see attached exception approval that was in the file - Buyer-09/17/2025 <br>Open-The AVM provided in file reflects a Confidence Score of 89%. Guidelines require 90% or higher. Provide valid Appraisal. - Due Diligence Vendor-09/11/2025 |  | Waived-Exception granted with supporting comp factors: AVM showing an 89% Confidence score. Max is 90% - Due Diligence Vendor-09/17/2025<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 - 7.17 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 - 15.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.3% 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 15.8% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More | S/E Business owner >7 years<br> 0x30x24 housing reported on credit with established tradeline history | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxx |
| 19951764 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 19953206 | xxx | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 11961054 | xxx | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 17325090 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |  |
| 15118812 |  | D B A | N/A | N/A | Closed | FCRE1200 | 2025-09-11 14:27 | 2025-09-18 11:42 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Lender exception for loan amount - Due Diligence Vendor-09/18/2025 <br> Ready for Review-Document Uploaded. Please see attached exception approval that was in the file. - Seller-09/17/2025 <br> Open-Audited Loan Amount of xxx is less than the Guideline Minimum Loan Amount of xxx - Due Diligence Vendor-09/11/2025 | Lender provided follow up condition exception form. - 09/18/2025 <br>Ready for Review-Document Uploaded. Please see attached exception approval that was in the file. - Seller-09/17/2025<br>| Waived-Lender exception for loan amount - Due Diligence Vendor-09/18/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 7.67 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 - 23 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 - 9.69 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.46% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | DTI<br> No lates onCredit history back to xxx | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxx |
| 15118812 |  | D B A | N/A | N/A | Closed | FCRE7497 | 2025-09-11 14:34 | 2025-09-18 11:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Lender provided. - Due Diligence Vendor-09/18/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-09/17/2025 <br> Open-Missing HOA document for primary residence showing 1008 not reflecting in final 1003. xxx. - Due Diligence Vendor-09/11/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-09/17/2025<br>| Resolved-Lender provided. - Due Diligence Vendor-09/18/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 7.67 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 - 23 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 - 9.69 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.46% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 15118812 |  | D B A | N/A | N/A | Closed | FCRE1316 | 2025-09-10 10:55 | 2025-09-18 11:38 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-09/18/2025 <br>Ready for Review-Document Uploaded. Please see attached. Time stamp of when it was pulled top left<br> - Buyer-09/17/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-09/10/2025 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-09/18/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 7.67 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 - 23 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 - 9.69 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.46% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 15118812 |  | D B A | N/A | N/A | Closed | FCRE1322 | 2025-09-11 13:57 | 2025-09-18 11:38 | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower 1 Business Tax Returns Missing | Resolved-Borrower 1 Business Tax Returns Provided - Due Diligence Vendor-09/18/2025 <br> Resolved-Lender provided xxx extension. - Due Diligence Vendor-09/18/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-09/17/2025 <br> Open-Borrower 1 Business Tax Returns Missing Missing Borrower 1 Business Tax Returns 1120s and K1 most current most current lender used in calculation. Most current IRS transcript in file is xxx. - Due Diligence Vendor-09/11/2025 |  | Resolved-Borrower 1 Business Tax Returns Provided - Due Diligence Vendor-09/18/2025 <br> Resolved-Lender provided xxx extension. - Due Diligence Vendor-09/18/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 7.67 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 - 23 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 - 9.69 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.46% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 15118812 |  | D B A | N/A | N/A | Closed | FCRE1319 | 2025-09-11 13:57 | 2025-09-18 11:38 | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower 1 Personal Tax Returns Missing | Resolved-Borrower 1 Personal Tax Returns Provided - Due Diligence Vendor-09/18/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-09/17/2025 <br> Open-Borrower 1 Personal Tax Returns Missing Missing Borrower 1 Personal Tax Returns Missing most current lender used in calculation. Most current IRS transcript in file is xxx. - Due Diligence Vendor-09/11/2025 |  | Resolved-Borrower 1 Personal Tax Returns Provided - Due Diligence Vendor-09/18/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 7.67 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 - 23 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 - 9.69 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.46% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 13007884 |  | D A | A | A | Closed | FCRE2109 | 2025-09-09 14:41 | 2025-09-16 14:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-09/16/2025 <br>Ready for Review-Document Uploaded. - Seller-09/16/2025 <br>Open-Missing Lender Worksheet or Bank Statement Summary Missing Income Calculation Sheet - Due Diligence Vendor-09/09/2025 | Ready for Review-Document Uploaded. - Seller-09/16/2025<br>| Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-09/16/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 74.31% Is Below the Guideline Maximum Of 85% 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 - 20.00 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.2% 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14965981 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 13132572 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 17548664 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 10270772 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18787458 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 19945246 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 13394789 |  | D A | A | A | Closed | FCRE5771 | 2025-09-09 15:29 | 2025-09-15 11:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Credit Report is Missing | Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-09/15/2025 <br>Ready for Review-Document Uploaded. - Seller-09/12/2025 <br>Open-Borrower 2 Credit Report is Missing. - Due Diligence Vendor-09/09/2025 | Ready for Review-Document Uploaded. - Seller-09/12/2025<br>| Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-09/15/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26.99 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 79.61% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.87% 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 13394789 |  | D A | A | A | Closed | FCRE5783 | 2025-09-09 15:29 | 2025-09-15 11:11 | 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-09/15/2025 <br>Ready for Review-Document Uploaded. - Seller-09/12/2025 <br>Open-Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-09/09/2025 | Ready for Review-Document Uploaded. - Seller-09/12/2025<br>| Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-09/15/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26.99 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 79.61% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.87% 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 13394789 |  | D A | A | A | Closed | FCRE5770 | 2025-09-09 15:29 | 2025-09-15 11:11 | 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-09/15/2025 <br>Ready for Review-Document Uploaded. - Seller-09/12/2025 <br>Open-Borrower 1 Credit Report is Missing. - Due Diligence Vendor-09/09/2025 | Ready for Review-Document Uploaded. - Seller-09/12/2025<br>| Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-09/15/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26.99 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 79.61% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.87% 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 13394789 |  | D A | A | A | Closed | FCRE5782 | 2025-09-09 15:29 | 2025-09-15 11:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-09/15/2025 <br>Ready for Review-Document Uploaded. - Seller-09/12/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-09/09/2025 | Ready for Review-Document Uploaded. - Seller-09/12/2025<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-09/15/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26.99 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 79.61% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.87% 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 13173260 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18360023 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 15889650 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 11595053 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno |  |  |  |
| 11110075 |  | D A | A | A | Closed | FCRE7347 | 2025-09-10 07:54 | 2025-09-16 10:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Updated Lease Agreement LOE provided. - Due Diligence Vendor-09/16/2025 <br>Ready for Review-Document Uploaded. - Seller-09/15/2025 <br>Open-Missing lease agreement for subject property. As per appraisal occupancy is tenant, provide latest lease agreement for subject property - Due Diligence Vendor-09/10/2025 | Ready for Review-Document Uploaded. - Seller-09/15/2025<br>| Resolved-Updated Lease Agreement LOE provided. - Due Diligence Vendor-09/16/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 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 - 10 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 23.55% 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 49.95 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 12688657 |  | D A | N/A | N/A | Closed | FCRE7497 | 2025-09-12 08:05 | 2025-09-18 08:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Lender provided additional information. - Due Diligence Vendor-09/18/2025 <br> Ready for Review-Document Uploaded. Please see attached. New loans just closed. Mortgage statements not available. xxx was a purchase. 1007 attached. - Buyer-09/17/2025 <br> Open-Need updated Mortgage statement for property #xxx for $xxx<br> and need mortgage statement for property #xxx and lease agreement - Due Diligence Vendor-09/12/2025 |  | Resolved-Lender provided additional information. - Due Diligence Vendor-09/18/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 23.06 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.88% 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 24.56 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 - 23.05 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 12992414 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 15624172 |  | C A | N/A | N/A | Closed | finding-47 | 2025-09-11 17:29 | 2025-09-22 08:24 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-09/22/2025 <br> Resolved- - Due Diligence Vendor-09/22/2025 <br> Resolved- - Due Diligence Vendor-09/22/2025 <br> Ready for Review-Document Uploaded. please see PCCD attached. - Buyer-09/18/2025 <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. \*\*\*The Final CD shows a funding date of xxx - which is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date. - Due Diligence Vendor-09/13/2025 <br> Open- - Due Diligence Vendor-09/13/2025 <br> Open- - Due Diligence Vendor-09/11/2025 |  | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-09/22/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.14 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 - 35.87 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 - 35.87 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 16.00 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 55.93% 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11724698 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 19914947 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 14287985 |  | C A | N/A | N/A | Closed | finding-3634 | 2025-09-12 01:49 | 2025-09-22 07:36 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-COC detail received, data entered, no additional compliance findings. - Due Diligence Vendor-09/22/2025 <br> Resolved- - Due Diligence Vendor-09/22/2025 <br> Ready for Review-responded to another comment - Buyer-09/19/2025 <br> Open-\*\*Final CD disclosed discount points fee not previously disclosed. The original file does not contain a COC with a valid reason in relation to the fee. - Due Diligence Vendor-09/12/2025 <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 $xxx.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-09/12/2025 <br> Open- - Due Diligence Vendor-09/12/2025 |  | Resolved-COC detail received, data entered, no additional compliance findings. - Due Diligence Vendor-09/22/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.51% 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<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 44.55 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 - 20.00 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.01 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14287985 |  | C A | N/A | N/A | Closed | finding-3632 | 2025-09-12 01:49 | 2025-09-22 07:36 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-COC detail received, data entered, no additional compliance findings. - Due Diligence Vendor-09/22/2025 <br> Resolved- - Due Diligence Vendor-09/22/2025 <br> Ready for Review-responded to another comment - Seller-09/19/2025 <br> Open-\*\*Final CD disclosed a decrease to Section J's lender credits and disclosed discount points fee not previously disclosed. The original file does not contain a COC with a valid reason in relation to the discount points fee and the decrease to the lender credits. - Due Diligence Vendor-09/13/2025 <br> Open- - Due Diligence Vendor-09/12/2025 <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-09/12/2025 <br> Open- - Due Diligence Vendor-09/12/2025 | Ready for Review-responded to another comment - Seller-09/19/2025<br>| Resolved-COC detail received, data entered, no additional compliance findings. - Due Diligence Vendor-09/22/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.51% 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<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 44.55 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 - 20.00 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.01 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14287985 |  | C A | N/A | N/A | Closed | finding-3652 | 2025-09-13 19:09 | 2025-09-22 07:36 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-COC detail received, data entered, no additional compliance findings. - Due Diligence Vendor-09/22/2025 <br> Resolved- - Due Diligence Vendor-09/22/2025 <br> Ready for Review-Document Uploaded. see attached. - Buyer-09/19/2025 <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 ($xxx) does not exceed or equal the comparable sum of specific and non-specific lender credits ($xxx). 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 disclosed a decrease to Section J's lender credits. The original file does not contain a COC with a valid reason in relation to the decrease. - Due Diligence Vendor-09/13/2025 |  | Resolved-COC detail received, data entered, no additional compliance findings. - Due Diligence Vendor-09/22/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.51% 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<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 44.55 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 - 20.00 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.01 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14287985 |  | C A | N/A | N/A | Closed | finding-3631 | 2025-09-12 01:49 | 2025-09-22 07:36 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-COC detail received, data entered, no additional compliance findings. - Due Diligence Vendor-09/22/2025 <br> Resolved- - Due Diligence Vendor-09/22/2025 <br> Ready for Review-responded to another comment - Seller-09/19/2025 <br> Open-\*\*Final CD disclosed a decrease to Section J's lender credits and disclosed discount points fee not previously disclosed. The original file does not contain a COC with a valid reason in relation to the discount points fee and the decrease to the lender credits. - Due Diligence Vendor-09/13/2025 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-09/12/2025 <br> Open- - Due Diligence Vendor-09/12/2025 <br> Open- - Due Diligence Vendor-09/12/2025 | Ready for Review-responded to another comment - Seller-09/19/2025<br>| Resolved-COC detail received, data entered, no additional compliance findings. - Due Diligence Vendor-09/22/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.51% 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<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 44.55 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 - 20.00 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.01 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 15897086 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 15086947 | xxx | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 14462494 |  | D A | A | A | Closed | FCRE1158 | 2025-09-11 16:22 | 2025-09-15 14:15 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-09/15/2025 <br>Ready for Review-Document Uploaded. - Seller-09/15/2025 <br>Open- Hazard Insurance Policy Partially Provided - Document is incomplete or missing required policy information. Available HOI document premium is missing. - Due Diligence Vendor-09/11/2025 | Ready for Review-Document Uploaded. - Seller-09/15/2025<br>| Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-09/15/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 69.83% 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 19.54 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 12807743 | xxx | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 13800976 | xxx | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18845825 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 16922551 |  | B A | N/A | N/A | Closed | FCRE1183 | 2025-09-12 18:32 | 2025-09-17 15:33 | 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-09/17/2025 <br>Ready for Review-Document Uploaded. Please see attached - Buyer-09/17/2025 <br>Open-1008/Underwriting Summary Partially Provided The loan amount in the Note document does not match the amount provided in the 1008 - Due Diligence Vendor-09/12/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-09/17/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.6 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14699114 |  | D A | N/A | N/A | Closed | FCRE1145 | 2025-09-15 15:25 | 2025-09-18 07:18 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-09/18/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-09/17/2025 <br>Open-Title Document is missing missing title commitment and/or title policy - Due Diligence Vendor-09/15/2025 |  | Resolved-Title Document is fully Present - Due Diligence Vendor-09/18/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.00 Years Borrower At Current Residence For Five (5) Or More Years - 12.00 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 50.18% Is Below the Guideline Maximum Of 70% By Ten Percent (10%) or More Original CLTV Of 50.18% 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 22.47 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 22.47 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 18268153 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 11495947 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 17459566 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18766840 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 15084998 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 12954890 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 13516531 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 14068525 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 15167123 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 17898707 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 15460108 |  | B A | A | A | Closed | FCRE3874 | 2025-09-12 10:15 | 2025-09-12 10:17 | Waived | 2 - Non-Material B | Credit | Eligibility | Neighborhood Location Not Allowed for Guidelines | Waived-Primary Value Valuation Neighborhood Location Not Allowed for Program The subject is in a Rural area with 1.30 acres. Subject is non-owner occupied. Per guidelines owner occupied only is<br> allowed. Exception provided in file #xxx - Due Diligence Vendor-09/12/2025 |  | Waived-Primary Value Valuation Neighborhood Location Not Allowed for Program The subject is in a Rural area with 1.30 acres. Subject is non-owner occupied. Per guidelines owner occupied only is<br> allowed. Exception provided in file #xxx - Due Diligence Vendor-09/12/2025 | Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 54.95% 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 8.93 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 - 35.00 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.14% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | 1. 6 YEARS WITH CURRENT EMPLOYER<br> 2. low DTI of 38%<br> 3. Reserves | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxx |
| 14602549 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 12686390 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 19415071 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 12754081 |  | D A | N/A | N/A | Closed | FCRE1503 | 2025-09-16 11:05 | 2025-09-18 11:24 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Lender provided. - Due Diligence Vendor-09/18/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-09/17/2025 <br> Open-Mortgage Statement Missing For Address # xxx # xxx. - Due Diligence Vendor-09/16/2025 |  | Resolved-Lender provided. - Due Diligence Vendor-09/18/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.16 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.9% 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 - 7.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.78 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 - 10.16 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 15390382 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 18230187 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 15176381 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 19100207 |  | C A | N/A | N/A | Closed | finding-47 | 2025-09-17 09:51 | 2025-09-22 08:30 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-09/22/2025 <br> Resolved- - Due Diligence Vendor-09/22/2025 <br> Ready for Review-Document Uploaded. Please see PCCD attached. - Buyer-09/18/2025 <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. \*\*\*The Final CD's disbursement date is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date. - Due Diligence Vendor-09/18/2025 <br> Open- - Due Diligence Vendor-09/18/2025 <br> Open- - Due Diligence Vendor-09/18/2025 <br> Open- - Due Diligence Vendor-09/18/2025 <br> Open- - Due Diligence Vendor-09/17/2025 <br> Open- - Due Diligence Vendor-09/17/2025 <br> Open- - Due Diligence Vendor-09/17/2025 <br> Open- - Due Diligence Vendor-09/17/2025 |  | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-09/22/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.77% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.45 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 56.72% Is Below the Guideline Maximum Of 90% 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 - 20.00 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 - 25.44 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.17 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 18392671 |  | C A | A | A | Closed | finding-47 | 2025-09-18 10:05 | 2025-09-22 08:17 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-1 day per diem interest check provided - Due Diligence Vendor-09/22/2025 <br> Ready for Review-Document Uploaded. Please see PCCD attached. - Buyer-09/18/2025 <br> Open-\*\*\*\*\*\*\* Borrower executed DOT on xxx. Please Provide Post Consummation Closing Disclosure funding after Rescission period. - Due Diligence Vendor-09/18/2025 <br> Open- - Due Diligence Vendor-09/18/2025 <br> Open- - Due Diligence Vendor-09/18/2025 |  | Resolved-1 day per diem interest check provided - Due Diligence Vendor-09/22/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.87 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 16.87 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 33.99% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 33.99% 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 - 5.90 Years 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 xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Qualifying FICO Of xxx 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 18392671 |  | C A | A | A | Closed | FCRE7810 | 2025-09-18 11:36 | 2025-09-22 08:12 | Resolved | 1 - Information C A | Credit | Title | Title issue | Resolved-Copy of change of title changes/chain of title provided - Due Diligence Vendor-09/22/2025 <br> Ready for Review-Document Uploaded. Please see attached confirming change of trustee for the borrower's own trust. - Buyer-09/22/2025 <br> Open-Please verify, Borrower's name on Title does not appear to match Deed of Trust. Title currently vested non borrower for that proof of documents on page#xxx, xxx. Vesting: xxx pg xxx - Due Diligence Vendor-09/18/2025 |  | Resolved-Copy of change of title changes/chain of title provided - Due Diligence Vendor-09/22/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.87 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 16.87 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 33.99% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 33.99% 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 - 5.90 Years 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 xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Qualifying FICO Of xxx 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 17859165 |  | B A | N/A | N/A | Closed | FCOM1797 | 2025-09-17 06:22 | 2025-09-22 07:51 | Resolved | 1 - Information B A | Compliance | Missing Doc | Service Provider List is Missing | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-09/22/2025 <br> Ready for Review-Document Uploaded. see attached. - Buyer-09/18/2025 <br> Open-Application Date is xxx, Service Provider List is not provided within 3 business days of application.<br> - Due Diligence Vendor-09/17/2025 |  | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-09/22/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 6.11 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 43.02% 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 - 19.37 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 - 19.00 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 17859165 |  | B A | N/A | N/A | Closed | FCOM1266 | 2025-09-17 06:19 | 2025-09-22 07:48 | Resolved | 1 - Information B A | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-09/22/2025 <br>Ready for Review-Document Uploaded. see attached. - Buyer-09/18/2025 <br>Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-09/17/2025 |  | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-09/22/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 6.11 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 43.02% 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 - 19.37 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 - 19.00 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 13425662 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 18026048 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 14535032 |  | D A B | N/A | N/A | Closed | FCRE1316 | 2025-09-17 14:12 | 2025-09-22 14:22 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-09/22/2025 <br>Ready for Review-Document Uploaded. see attached - Buyer-09/19/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing. - Due Diligence Vendor-09/17/2025 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-09/22/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 73.05% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Original CLTV Of 73.05% Is Below the Guideline Maximum Of 90% 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 - 21.00 Years Borrower At Current Residence For Five (5) Or More Years - 21.00 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 - 26.50 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 26.50 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 59.37 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 59.37 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 42.89% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 42.89% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments<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 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11<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 - 24.50 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 24.50 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14535032 |  | D A B | N/A | N/A | Closed | FCOM1266 | 2025-09-17 17:06 | 2025-09-22 08:31 | Resolved | 1 - Information B A | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-09/22/2025 <br>Ready for Review-Document Uploaded. see attached - Buyer-09/18/2025 <br>Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-09/17/2025 |  | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-09/22/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 73.05% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Original CLTV Of 73.05% Is Below the Guideline Maximum Of 90% 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 - 21.00 Years Borrower At Current Residence For Five (5) Or More Years - 21.00 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 - 26.50 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 26.50 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 59.37 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 59.37 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 42.89% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 42.89% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments<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 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11<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 - 24.50 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 24.50 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 19625167 |  | D A | N/A | N/A | Closed | FCRE2109 | 2025-09-18 11:53 | 2025-09-22 14:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-09/22/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-09/21/2025 <br>Open-Missing Lender Worksheet or Bank Statement Summary Missing Lender Worksheet\Bank Statement Summary. - Due Diligence Vendor-09/18/2025 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-09/22/2025<br>| Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 65.73 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 65.73 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 - 35.42 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 35.42 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 - 35.60 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 35.60 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.35% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 38.35% 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 - 25.00 Years Borrower At Current Residence For Five (5) Or More Years - 25.00 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 74.96% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Original CLTV Of 74.96% 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 19625167 |  | D A | N/A | N/A | Closed | FCRE1157 | 2025-09-17 09:50 | 2025-09-22 14:34 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-09/22/2025 <br>Ready for Review-Document Uploaded. see attached. - Buyer-09/19/2025 <br>Open-Missing Hazard Insurance Policy . - Due Diligence Vendor-09/17/2025 |  | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-09/22/2025<br>| Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 65.73 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 65.73 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 - 35.42 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 35.42 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 - 35.60 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 35.60 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.35% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 38.35% 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 - 25.00 Years Borrower At Current Residence For Five (5) Or More Years - 25.00 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 74.96% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Original CLTV Of 74.96% 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11088525 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 17755000 |  | C B A | N/A | N/A | Closed | FPRO7466 | 2025-09-19 12:11 | 2025-09-23 10:07 | Waived | 2 - Non-Material C B | Property | Third Party Valuation | AVM Value(s) Do Not Adhere To Tolerance Criteria | Waived-Exception granted for AVM with confidence score of 88%. - Due Diligence Vendor-09/23/2025 <br> Ready for Review-This exception was approved. Please escalate to xxx - Buyer-09/19/2025 <br> Open-AVM provided has a Confidence Score of 88. Guidelines require 90 or higher. - Due Diligence Vendor-09/19/2025 |  | Waived-Exception granted for AVM with confidence score of 88%. - Due Diligence Vendor-09/23/2025<br>| Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments<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 - 25.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 53.4 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 53.4 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 24.07 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 24.07 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 22.67% Is Below the Guideline Maximum Of 70% By Ten Percent (10%) or More Original CLTV Of 22.67% 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 29.88% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 29.88% 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 | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxx |
| 12961891 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 18300381 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 14859547 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 19918814 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 10854881 |  | C A | N/A | N/A | Closed | finding-47 | 2025-09-22 10:18 | 2025-09-23 12:21 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-\*\*\*Received PCCD and FSS - Due Diligence Vendor-09/23/2025 <br>Resolved- - Due Diligence Vendor-09/23/2025 <br>Ready for Review-Document Uploaded. see attached. - Buyer-09/22/2025 <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. \*\*The Final CD's disbursement date is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date. - Due Diligence Vendor-09/22/2025 <br>Open- - Due Diligence Vendor-09/22/2025 <br>Open- - Due Diligence Vendor-09/22/2025 |  | Resolved-\*\*\*Received PCCD and FSS - Due Diligence Vendor-09/23/2025<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 - 11.57 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.65 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 - 11.00 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.00 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 67.99% 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | xxx |
| 13115908 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 17003174 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 15690544 |  | D A | A | A | Closed | FCRE5770 | 2025-09-10 15:23 | 2025-09-16 09:20 | 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-09/16/2025 <br>Ready for Review-Document Uploaded. - Seller-09/15/2025 <br>Open-Borrower 1 Credit Report is Missing. - Due Diligence Vendor-09/10/2025 | Ready for Review-Document Uploaded. - Seller-09/15/2025<br>| Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-09/16/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 39.77% 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 40.29 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |

---

## Exhibit 99.01

[VISTA POINT ASSETS LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.1 - Schedule 2**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** | **Initial Property Loan Grades DBRS** | **Initial Property Loan Grades S&P** | **Final Property Loan Grades DBRS** | **Final Property Loan Grades S&P** |
| 14171325 |  |  | xxx C | A | A C | A | A |
| 18726232 |  |  | xxx A C | A | A C | A | A |
| 17867064 |  |  | xxx A | A | A | A | A |
| 19758469 |  |  | xxx D A | N/A | N/A D | N/A | N/A |
| 17492147 | xxx |  | xxx D C | A | A D | A | A |
| 14184869 |  |  | xxx D A | N/A | N/A D | N/A | N/A |
| 15991990 | xxx |  | xxx A | A | A | A | A |
| 12741512 |  |  | xxx D A | A | A D | A | A |
| 13306321 |  |  | xxx D A | D | D A | A | A |
| 11530464 | xxx |  | xxx B A | C | C A | A | A |
| 11232955 |  |  | xxx A D | A | A D | A | A |
| 14835215 |  |  | xxx C | A | A C | A | A |
| 15256021 |  |  | xxx D A | N/A | N/A D | N/A | N/A |
| 16619544 | xxx |  | xxx C A | D | D A | A | A |
| 13344325 |  |  | xxx D A | N/A | N/A D | N/A | N/A |
| 16325717 |  |  | xxx A | A | A | A | A |
| 18455502 |  |  | xxx C A | N/A | N/A C | N/A | N/A |
| 12694401 |  |  | xxx C A | N/A | N/A C | N/A | N/A |
| 17237631 |  |  | xxx A | A | A | A | A |
| 13848915 |  |  | xxx C A | N/A | N/A C | N/A | N/A |
| 14489119 |  |  | xxx A | A | A | A | A |
| 16995754 |  |  | xxx A | A | A | A | A |
| 12227200 |  |  | xxx A | A | A | A | A |
| 12586592 |  |  | xxx D A | A | A D | A | A |
| 18356179 |  |  | xxx C A | A | A C | A | A |
| 12940047 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 11572903 |  |  | xxx A | A | A | A | A |
| 18857653 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 17158231 |  |  | xxx A | A | A | A | A |
| 10178189 |  |  | xxx A | A | A | A | A |
| 16916556 |  |  | xxx A | A | A | A | A |
| 19522338 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 12337354 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 16269685 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 11479008 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 13815189 | xxx |  | xxx A | D | D A | A | A |
| 11755675 | xxx |  | xxx A | A | A | A | A |
| 11495135 |  |  | xxx A | D | D A | A | A |
| 18271926 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 18281001 |  |  | xxx A | A | A | A | A |
| 17593235 |  |  | xxx A | A | A | A | A |
| 16987166 |  |  | xxx A D | A | A D | A | A |
| 10076506 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 13216888 |  |  | xxx C A | A | A C | A | A |
| 14978021 |  |  | xxx D A | A | A D | A | A |
| 18327443 |  |  | xxx A | A | A | A | A |
| 11931548 |  |  | xxx A | A | A | A | A |
| 13239946 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 15779399 |  |  | xxx A | A | A | A | A |
| 18195928 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 10504596 |  |  | xxx A | A | A | A | A |
| 18750923 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 18231623 |  |  | xxx A | A | A | A | A |
| 18592738 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 10678260 |  |  | xxx A C | A | A C | A | A |
| 10384925 |  |  | xxx A | A | A | A | A |
| 16562216 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 12302093 |  |  | xxx D A | A | A D | A | A |
| 10976841 |  |  | xxx A | A | A | A | A |
| 15241669 | xxx |  | xxx A | N/A | N/A | N/A | N/A |
| 14049057 |  |  | xxx D A | N/A | N/A D | N/A | N/A |
| 11081072 |  |  | xxx D A | A | A D | A | A |
| 14909275 |  |  | xxx D A | N/A | N/A D | N/A | N/A |
| 19986076 |  |  | xxx D | N/A | N/A D | N/A | N/A |
| 12154897 |  |  | xxx C A | N/A | N/A C | N/A | N/A |
| 10866364 | xxx |  | xxx D | A | A D | A | A |
| 11609150 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 19910559 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 10758404 |  |  | xxx A C | N/A | N/A C | N/A | N/A |
| 16433253 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 14351198 |  |  | xxx A D | A | A D | A | A |
| 16809433 |  |  | xxx C | A | A C | A | A |
| 18185116 | xxx |  | xxx D A | A | A D | A | A |
| 16769184 |  |  | xxx A | A | A | A | A |
| 16184991 |  |  | xxx A | A | A | A | A |
| 17494903 |  |  | xxx A | A | A | A | A |
| 11597689 |  |  | xxx A | A | A | A | A |
| 12277914 |  |  | xxx D A | A | A D | A | A |
| 11577327 |  |  | xxx A | A | A | A | A |
| 13594640 |  |  | xxx A | A | A | A | A |
| 13342955 |  |  | xxx D A | N/A | N/A D | N/A | N/A |
| 17464497 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 15609436 |  |  | xxx A | A | A | A | A |
| 15209155 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 12911272 |  |  | xxx A | A | A | A | A |
| 16889364 |  |  | xxx A | A | A | A | A |
| 10854999 |  |  | xxx A | A | A | A | A |
| 17620988 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 16879590 |  |  | xxx A | A | A | A | A |
| 12906682 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 18994403 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 13501851 |  |  | xxx A C | N/A | N/A C | N/A | N/A |
| 17157441 | xxx |  | xxx A | A | A | A | A |
| 12238385 | xxx |  | xxx A | A | A | A | A |
| 15467566 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 13979881 |  |  | xxx D A | A | A D | A | A |
| 11929093 |  |  | xxx A | A | A | A | A |
| 18056466 |  |  | xxx D A | N/A | N/A D | N/A | N/A |
| 19767006 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 10017393 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 11359644 |  |  | xxx A | A | A | A | A |
| 17810787 |  |  | xxx A | A | A | A | A |
| 15903693 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 13635780 |  |  | xxx A | A | A | A | A |
| 11616953 |  |  | xxx A | A | A | A | A |
| 19584360 | xxx |  | xxx A | A | A | A | A |
| 18663924 |  |  | xxx D A | N/A | N/A D | N/A | N/A |
| 18956064 |  |  | xxx A | A | A | A | A |
| 19312108 |  |  | xxx D A | A | A D | A | A |
| 15036459 |  |  | xxx A B | A | A B | A | A |
| 18589962 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 13843680 | xxx |  | xxx A B | N/A | N/A B | N/A | N/A |
| 13844162 | xxx |  | xxx A | A | A | A | A |
| 14654936 |  |  | xxx A | A | A | A | A |
| 18057525 |  |  | xxx D A | N/A | N/A D | N/A | N/A |
| 13982030 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 10098195 |  |  | xxx B A | N/A | N/A B | N/A | N/A B |
| 18199119 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 12159499 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 12892944 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 10631382 |  |  | xxx A | A | A | A | A |
| 16332592 | xxx |  | xxx A D | N/A C | N/A D | N/A | N/A |
| 18529546 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 18621654 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 11113384 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 18862532 |  |  | xxx D A | N/A | N/A D | N/A | N/A |
| 14806583 |  |  | xxx D C | N/A D | N/A D | N/A | N/A |
| 10241077 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 13633453 |  |  | xxx B A | A | A B | A | A |
| 16629383 |  |  | xxx A | A | A | A | A |
| 18377966 |  |  | xxx A | A | A | A | A |
| 14640133 |  |  | xxx A | A | A | A | A |
| 11646342 |  |  | xxx A | A | A | A | A |
| 10587192 |  |  | xxx A | A | A | A | A |
| 15301499 |  |  | xxx A | A | A | A | A |
| 12719007 |  |  | xxx A | A | A | A | A |
| 16284348 |  |  | xxx C A | N/A | N/A C | N/A | N/A |
| 19561189 |  |  | xxx A | A | A | A | A |
| 11982801 |  |  | xxx A | A | A | A | A |
| 10776382 |  |  | xxx A | A | A | A | A |
| 18345129 |  |  | xxx D A | A | A D | A | A |
| 11907500 |  |  | xxx A | A | A | A | A |
| 10987380 |  |  | xxx A | A | A | A | A |
| 16171043 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 17387371 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 16177480 |  |  | xxx D B | N/A | N/A D | N/A | N/A |
| 17045037 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 10294170 |  |  | xxx D | N/A D | N/A D | N/A | N/A |
| 15917100 |  |  | xxx A | A | A | A | A |
| 17275282 |  |  | xxx A | A | A | A | A |
| 18242347 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 12950982 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 16263683 | xxx |  | xxx A D | A | A D | A | A |
| 17909837 |  |  | xxx A | A | A | A | A |
| 10586339 |  |  | xxx D A | A | A D | A | A |
| 17131503 |  |  | xxx A | A | A | A | A |
| 18861382 |  |  | xxx D A | A | A D B | A | A B |
| 15688073 |  |  | xxx A | A | A | A | A |
| 19236047 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 13357372 |  |  | xxx C A | N/A | N/A C | N/A | N/A |
| 17481893 |  |  | xxx A | A | A | A | A |
| 14076778 | xxx |  | xxx A | A | A | A | A |
| 19220433 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 18471211 |  |  | xxx A | A | A | A | A |
| 14069777 |  |  | xxx A C | N/A | N/A C | N/A | N/A |
| 12937662 |  |  | xxx A | A | A | A | A |
| 11317873 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 13787840 | xxx |  | xxx A | N/A | N/A | N/A | N/A |
| 19230782 |  |  | xxx D A | A | A D | A | A |
| 11581074 |  |  | xxx D A | A | A D | A | A |
| 17142333 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 11429524 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 13244313 |  |  | xxx D A | N/A | N/A D | N/A | N/A |
| 10214692 |  |  | xxx D A | N/A | N/A D | N/A | N/A |
| 18486112 |  |  | xxx D A | N/A | N/A D | N/A | N/A |
| 17471478 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 17033375 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 14768469 |  |  | xxx A C | N/A | N/A C | N/A | N/A |
| 19998522 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 17576631 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 14516047 |  |  | xxx C A | N/A | N/A C | N/A | N/A |
| 12297799 |  |  | xxx A D | N/A C | N/A D | N/A B | N/A B |
| 18254064 |  |  | xxx A | N/A C | N/A C | N/A B | N/A B |
| 15469876 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 18501157 |  |  | xxx A C | N/A | N/A C | N/A | N/A |
| 14926050 |  |  | xxx B A | A | A B | A | A B |
| 15230073 |  |  | xxx A | A | A | A | A |
| 19865843 |  |  | xxx A | A | A | A | A |
| 16425543 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 14566814 |  |  | xxx A | A | A | A | A |
| 11622546 |  |  | xxx A | A | A | A | A |
| 14940311 |  |  | xxx A | A | A | A | A |
| 11476752 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 13640701 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 14639852 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 19732849 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 19854739 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 17002909 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 18069043 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 10029647 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 19383480 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 13704395 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 11980915 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 16200288 | xxx |  | xxx A | A | A | A | A |
| 19874556 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 14721861 |  |  | xxx A | A | A | A | A |
| 18194711 |  |  | xxx A | A | A | A | A |
| 15075016 |  |  | xxx C A | A | A C | A | A |
| 12554853 |  |  | xxx A | A | A | A | A |
| 13570187 |  |  | xxx D A | A | A D | A | A |
| 11928893 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 17769553 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 13410193 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 11200998 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 19458498 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 13947238 |  |  | xxx C A | N/A | N/A C | N/A | N/A |
| 12716104 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 11996102 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 18495874 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 14907793 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 11771353 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 10166753 |  |  | xxx D A | A | A D | A | A |
| 14526627 | xxx |  | xxx A | A | A | A | A |
| 19241517 |  |  | xxx A | A | A | A | A |
| 10904972 |  |  | xxx A | A | A | A | A |
| 13408063 |  |  | xxx D | N/A | N/A D | N/A | N/A |
| 15875809 |  |  | xxx A | A | A | A | A |
| 17755406 |  |  | xxx A | A | A | A | A |
| 15229506 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 10951928 |  |  | xxx C A | N/A | N/A C | N/A | N/A |
| 15581893 |  |  | xxx D A | N/A | N/A D | N/A | N/A |
| 19281867 |  |  | xxx A | A | A | A | A |
| 11945074 |  |  | xxx A | A | A | A | A |
| 16388004 |  |  | xxx A | A | A | A | A |
| 13698482 |  |  | xxx A | A | A | A | A |
| 16641672 |  |  | xxx A | A | A | A | A |
| 19669267 |  |  | xxx A | A | A | A | A |
| 12980631 |  |  | xxx A | A | A | A | A |
| 15057449 |  |  | xxx D A | A | A D | A | A |
| 12078674 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 19619057 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 16506808 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 13978256 |  |  | xxx A | A | A | A | A |
| 19128271 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 18824991 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 13124651 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 14705874 |  |  | xxx D C | A | A D | A | A |
| 15150868 |  |  | xxx C A | A | A C B | A | A B |
| 12902169 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 11840191 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 13128108 |  |  | xxx A | A | A | A | A |
| 12470452 |  |  | xxx A | A | A | A | A |
| 15386908 | xxx |  | xxx D A | N/A | N/A D | N/A | N/A |
| 10043930 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 19797113 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 13209555 |  |  | xxx A | A | A | A | A |
| 18206034 |  |  | xxx A | A | A | A | A |
| 18211183 |  |  | xxx A | A | A | A | A |
| 15896740 |  |  | xxx A | A | A | A | A |
| 13711383 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 13000016 |  |  | xxx B A | N/A | N/A B | N/A | N/A B |
| 14546416 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 19570003 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 11768557 | xxx |  | xxx A C | N/A | N/A C B | N/A | N/A B |
| 15750836 |  |  | xxx A | A | A | A | A |
| 19801762 |  |  | xxx A | A | A | A | A |
| 15336726 |  |  | xxx A | A | A | A | A |
| 19457679 |  |  | xxx A | A | A | A | A |
| 16543884 |  |  | xxx A | A | A | A | A |
| 17964065 |  |  | xxx A | A | A | A | A |
| 14492618 |  |  | xxx A | A | A | A | A |
| 18733561 |  |  | xxx A C | A | A C | A | A |
| 15493261 | xxx |  | xxx C A | A | A C | A | A |
| 19659601 |  |  | xxx A D | D | D A | A | A |
| 14339728 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 18628495 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 18287382 | xxx |  | xxx A D | A | A D | A | A |
| 13326401 |  |  | xxx A | A | A | A | A |
| 18228778 |  |  | xxx A | A | A | A | A |
| 13631680 |  |  | xxx D A | N/A | N/A D | N/A | N/A |
| 15578274 |  |  | xxx A | A | A | A | A |
| 17789299 |  |  | xxx A | A | A | A | A |
| 15275351 |  |  | xxx A | A | A | A | A |
| 13551604 |  |  | xxx A | A | A | A | A |
| 10847833 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 10594306 |  |  | xxx A | A | A | A | A |
| 18604756 |  |  | xxx D A | A | A D | A | A |
| 16851714 |  |  | xxx A C | N/A | N/A C | N/A | N/A |
| 18818482 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 14129401 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 16784910 |  |  | xxx A | N/A D | N/A D | N/A B | N/A B |
| 16811008 | xxx |  | xxx A | A | A | A | A |
| 18809718 |  |  | xxx A | A | A | A | A |
| 18820752 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 17155106 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 19089776 |  |  | xxx B A | N/A | N/A B | N/A | N/A B |
| 11201248 |  |  | xxx A | A | A | A | A |
| 16414088 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 17870176 |  |  | xxx D A | N/A | N/A D | N/A | N/A |
| 17556559 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 17050369 | xxx |  | xxx A | A | A | A | A |
| 10321445 |  |  | xxx A | A | A | A | A |
| 18596354 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 15439007 |  |  | xxx A | A | A | A | A |
| 15427729 |  |  | xxx A | A | A | A | A |
| 18487155 |  |  | xxx A C | A | A C B | A | A B |
| 18822198 |  |  | xxx A | A | A | A | A |
| 19638695 |  |  | xxx A | A | A | A | A |
| 15209468 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 14906011 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 10879765 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 12556350 |  |  | xxx A | A | A | A | A |
| 19381615 |  |  | xxx A D | N/A | N/A D | N/A | N/A |
| 16210219 |  |  | xxx D A | C | C D A | A | A |
| 19545587 |  |  | xxx A | A | A | A | A |
| 11247862 |  |  | xxx A | A | A | A | A |
| 13183841 | xxx |  | xxx D | N/A D | N/A D | N/A | N/A |
| 17274456 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 14096740 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 10366096 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 14324802 | xxx |  | xxx C A | A | A C | A | A |
| 14996622 |  |  | xxx A | A | A | A | A |
| 17896360 |  |  | xxx C A | N/A | N/A C | N/A | N/A |
| 13993989 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 19384542 |  |  | xxx A | A | A | A | A |
| 13037773 |  |  | xxx A | A | A | A | A |
| 15681154 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 16874856 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 12478201 | xxx |  | xxx C A | A | A C | A | A |
| 17114841 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 15136741 |  |  | xxx A | A | A | A | A |
| 14874630 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 11369768 |  |  | xxx A | A | A | A | A |
| 13290450 |  |  | xxx A | A | A | A | A |
| 13689251 |  |  | xxx C A | A | A C | A | A |
| 16564430 |  |  | xxx A C | N/A | N/A C B | N/A | N/A B |
| 17352992 |  |  | xxx A | A | A | A | A |
| 19699734 |  |  | xxx A | A | A | A | A |
| 10171320 |  |  | xxx C | A | A C | A | A |
| 15086569 |  |  | xxx A | A | A | A | A |
| 11785482 |  |  | xxx C A | A | A C | A | A |
| 14939869 |  |  | xxx A | A | A | A | A |
| 13458952 |  |  | xxx A | A | A | A | A |
| 10989572 |  |  | xxx A | A | A | A | A |
| 17463536 |  |  | xxx A | A | A | A | A |
| 10906349 |  |  | xxx A D | A | A D | A | A |
| 14799693 |  |  | xxx D A | N/A | N/A D | N/A | N/A |
| 16300985 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 10992285 |  |  | xxx C | N/A | N/A C | N/A | N/A |
| 15374567 |  |  | xxx A D | A | A D | A | A |
| 11704412 |  |  | xxx A | A | A | A | A |
| 13118550 |  |  | xxx A | A | A | A | A |
| 14548498 |  |  | xxx C A | N/A | N/A C | N/A | N/A |
| 13232041 |  |  | xxx A | A | A | A | A |
| 19048264 |  |  | xxx A | A | A | A | A |
| 16226513 |  |  | xxx A | A | A | A | A |
| 11294453 |  |  | xxx A | A | A | A | A |
| 10473516 | xxx |  | xxx A B | A | A B | A | A |
| 17366513 |  |  | xxx A | A | A | A | A |
| 17763511 |  |  | xxx A | A | A | A | A |
| 16303035 |  |  | xxx D A | A | A D | A | A |
| 10001464 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 18584389 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 10186153 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 10288701 |  |  | xxx D A | N/A | N/A D | N/A | N/A |
| 13113573 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 10087819 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 11517700 |  |  | xxx D B | N/A | N/A D | N/A | N/A |
| 13291478 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 16181300 |  |  | xxx D A | A | A D | A | A |
| 16449442 |  |  | xxx A C | A | A C B | A | A B |
| 12807583 |  |  | xxx A | A | A | A | A |
| 18041798 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 19490766 |  |  | xxx D A | N/A | N/A D | N/A | N/A |
| 17216540 |  |  | xxx B A | A | A B | A | A |
| 13287255 |  |  | xxx A | A | A | A | A |
| 18153271 |  |  | xxx D A | N/A | N/A D | N/A | N/A |
| 13348391 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 18937697 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 13985166 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 10347314 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 15732542 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 10602978 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 13589659 | xxx |  | xxx A D | A | A D | A | A |
| 19128278 |  |  | xxx A | A | A | A | A |
| 15244053 | xxx |  | xxx D A | N/A | N/A D | N/A | N/A |
| 11097209 |  |  | xxx A | A | A | A | A |
| 17399236 |  |  | xxx A C | N/A | N/A C | N/A | N/A |
| 12374485 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 13399457 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 14251224 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 18401713 |  |  | xxx A | A | A | A | A |
| 18141574 |  |  | xxx A | A | A | A | A |
| 11893083 |  |  | xxx A | A | A | A | A |
| 18580763 |  |  | xxx A | A | A | A | A |
| 18889748 |  |  | xxx A | A | A | A | A |
| 15111899 |  |  | xxx A | A | A | A | A |
| 13333550 |  |  | xxx D A | A | A D | A | A |
| 16102711 |  |  | xxx A | A | A | A | A |
| 13012458 |  |  | xxx D A | A | A D | A | A |
| 18515972 |  |  | xxx A | A | A | A | A |
| 12006059 |  |  | xxx D A | A | A D | A | A |
| 16367949 |  |  | xxx A | A | A | A | A |
| 19719418 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 15931865 |  |  | xxx D A | N/A | N/A D | N/A | N/A |
| 17782296 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 14802362 |  |  | xxx D A | N/A | N/A D | N/A | N/A |
| 11199914 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 16418414 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 11035940 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 16570395 |  |  | xxx D A | N/A | N/A D | N/A | N/A |
| 13169426 |  |  | xxx A | C | C A | A | A |
| 15018250 |  |  | xxx A | A | A | A | A |
| 17360143 |  |  | xxx A C | A | A C | A | A |
| 17332780 |  |  | xxx A | A | A | A | A |
| 12463000 |  |  | xxx A | A | A | A | A |
| 14097487 |  |  | xxx A | A | A | A | A |
| 18933350 |  |  | xxx C A | N/A | N/A C | N/A | N/A |
| 15164501 |  |  | xxx A | A | A | A | A |
| 17896883 |  |  | xxx A | A | A | A | A |
| 10514312 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 15955340 |  |  | xxx A | A | A | A | A |
| 15166352 | xxx |  | xxx A | N/A | N/A | N/A | N/A |
| 14454618 | xxx |  | xxx D A | A | A D | A | A |
| 13700634 |  |  | xxx A | A | A | A | A |
| 12948205 |  |  | xxx A | A | A | A | A |
| 17412880 |  |  | xxx A | A | A | A | A |
| 18184172 |  |  | xxx C A | N/A | N/A C | N/A | N/A |
| 13650681 |  |  | xxx A D | A | A D B | A | A B |
| 12411048 |  |  | xxx A | A | A | A | A |
| 17072037 |  |  | xxx A | A | A | A | A |
| 11720719 |  |  | xxx C D | A | A D | A | A |
| 15585343 |  |  | xxx D A | N/A | N/A D | N/A | N/A |
| 16178808 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 12194472 |  |  | xxx A | N/A D | N/A D | N/A | N/A |
| 18900644 |  |  | xxx A | A | A | A | A |
| 16354782 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 13433889 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 19107955 |  |  | xxx A C | A | A C | A | A |
| 15995274 | xxx |  | xxx A | A | A | A | A |
| 17358869 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 15521124 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 14522515 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 15490415 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 12771934 |  |  | xxx A D | N/A | N/A D | N/A | N/A |
| 16390279 |  |  | xxx A | N/A C | N/A C | N/A B | N/A B |
| 11253692 |  |  | xxx D A | N/A | N/A D | N/A | N/A |
| 15642141 |  |  | xxx A C | N/A | N/A C | N/A | N/A |
| 11111752 |  |  | xxx D A | A | A D | A | A |
| 13633339 |  |  | xxx A | A | A | A | A |
| 10481422 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 15029732 |  |  | xxx D A | A | A D | A | A |
| 10670354 |  |  | xxx C A | N/A | N/A C | N/A | N/A |
| 10778316 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 17792294 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 19905987 |  |  | xxx A | A | A | A | A |
| 12945685 |  |  | xxx A | A | A | A | A |
| 18691868 |  |  | xxx A | A | A | A | A |
| 12333934 |  |  | xxx A | A | A | A | A |
| 18863873 |  |  | xxx A | A | A | A | A |
| 13741312 |  |  | xxx D A | A | A D | A | A |
| 18576974 |  |  | xxx C A | N/A | N/A C | N/A | N/A |
| 11143764 |  |  | xxx A | A | A | A | A |
| 16299608 |  |  | xxx D A | N/A | N/A D | N/A | N/A |
| 11554432 | xxx |  | xxx A | N/A | N/A | N/A | N/A |
| 11201941 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 13937495 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 16853136 |  |  | xxx A | A | A | A | A |
| 15605917 |  |  | xxx A | A | A | A | A |
| 18057770 |  |  | xxx A | A | A | A | A |
| 11098243 |  |  | xxx A | A | A | A | A |
| 19103842 |  |  | xxx A | A | A | A | A |
| 10002425 |  |  | xxx A | A | A | A | A |
| 10088409 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 11643495 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 18376863 |  |  | xxx A | A | A | A | A |
| 13043462 |  |  | xxx A | A | A | A | A |
| 13722815 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 14462365 |  |  | xxx D A | A | A D | A | A |
| 11032947 |  |  | xxx D A | N/A | N/A D | N/A | N/A |
| 11539980 |  |  | xxx A | A | A | A | A |
| 12754297 |  |  | xxx A | A | A | A | A |
| 19025593 |  |  | xxx A | A | A | A | A |
| 14252382 |  |  | xxx A | A | A | A | A |
| 11068345 |  |  | xxx A | A | A | A | A |
| 13215205 |  |  | xxx A | A | A | A | A |
| 16085533 |  |  | xxx A C | N/A | N/A C | N/A | N/A |
| 14485385 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 15809849 |  |  | xxx D A | N/A | N/A D | N/A | N/A |
| 11433841 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 18636454 |  |  | xxx D A | A | A D | A | A |
| 16173664 |  |  | xxx D A | N/A | N/A D B | N/A | N/A B |
| 16635873 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 14496612 |  |  | xxx A | A | A | A | A |
| 15594730 |  |  | xxx A | A | A | A | A |
| 13516568 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 14238641 |  |  | xxx A | A | A | A | A |
| 17403123 |  |  | xxx A | A | A | A | A |
| 19384125 |  |  | xxx A | A | A | A | A |
| 14739755 |  |  | xxx A | A | A | A | A |
| 12854507 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 17368774 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 12865776 |  |  | xxx D A | N/A | N/A D | N/A | N/A |
| 16057026 |  |  | xxx A | A | A | A | A |
| 10620462 |  |  | xxx A D | A | A D | A | A |
| 12528721 |  |  | xxx A | N/A C | N/A C | N/A | N/A |
| 11178528 |  |  | xxx A | A | A | A | A |
| 19562499 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 11738519 |  |  | xxx A | A | A | A | A |
| 14582406 |  |  | xxx A | A | A | A | A |
| 16496706 |  |  | xxx A | A | A | A | A |
| 19666946 |  |  | xxx A | A | A | A | A |
| 13351567 |  |  | xxx C A | A | A C | A | A |
| 18821264 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 15414722 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 17391351 |  |  | xxx A C | N/A | N/A C B | N/A | N/A B |
| 14910323 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 17631098 |  |  | xxx D A | N/A | N/A D | N/A | N/A |
| 19032999 |  |  | xxx A | N/A C | N/A C | N/A B | N/A B |
| 15841319 |  |  | xxx D A | N/A | N/A D | N/A | N/A |
| 10757216 |  |  | xxx A B | N/A | N/A B | N/A | N/A |
| 16016379 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 12266419 | xxx |  | xxx A | A | A | A | A |
| 16479989 |  |  | xxx C A | N/A | N/A C | N/A | N/A |
| 13322357 |  |  | xxx D A | N/A | N/A D | N/A | N/A |
| 10800394 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 19440006 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 10571939 | xxx |  | xxx D A | N/A | N/A D | N/A | N/A |
| 16478245 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 19589011 |  |  | xxx C A | N/A | N/A C B | N/A | N/A B |
| 12216141 |  |  | xxx A | A | A | A | A |
| 10103982 |  |  | xxx D A | A | A D | A | A |
| 12069898 |  |  | xxx A | A | A | A | A |
| 16757336 |  |  | xxx A | A | A | A | A |
| 14903938 |  |  | xxx A | N/A D | N/A D | N/A | N/A |
| 11138925 |  |  | xxx D A | A | A D B | A | A B |
| 10179787 |  |  | xxx D | A | A D | A | A |
| 11311809 |  |  | xxx D A | N/A | N/A D | N/A | N/A |
| 16806020 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 19253528 |  |  | xxx A | A | A | A | A |
| 10134464 |  |  | xxx A | A | A | A | A |
| 10444748 |  |  | xxx A | A | A | A | A |
| 18779129 |  |  | xxx A | A | A | A | A |
| 16933213 |  |  | xxx D A | A | A D | A | A |
| 19689340 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 15755312 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 17546117 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 12759966 |  |  | xxx C A | N/A | N/A C | N/A | N/A |
| 16256887 |  |  | xxx D A | N/A | N/A D | N/A | N/A |
| 16161161 |  |  | xxx A | A | A | A | A |
| 18099670 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 16955032 |  |  | xxx A | A | A | A | A |
| 14916313 | xxx |  | xxx A | N/A | N/A | N/A | N/A |
| 14387844 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 15536871 |  |  | xxx C A | N/A | N/A C | N/A | N/A |
| 17005109 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 13830201 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 13938211 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 10719872 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 11150019 |  |  | xxx D A | A | A D | A | A |
| 11520810 |  |  | xxx A | A | A | A | A |
| 19175367 |  |  | xxx A | A | A | A | A |
| 17023990 |  |  | xxx A | A | A | A | A |
| 13415957 |  |  | xxx A | A | A | A | A |
| 16080555 |  |  | xxx A | A | A | A | A |
| 13763119 |  |  | xxx D A | A | A D | A | A |
| 12497155 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 18831238 |  |  | xxx C A | N/A | N/A C | N/A | N/A |
| 13194977 |  |  | xxx A | A | A | A | A |
| 11202890 | xxx |  | xxx A | N/A | N/A | N/A | N/A |
| 18793255 |  |  | xxx A C | N/A | N/A C | N/A | N/A |
| 19239659 | xxx |  | xxx A | A | A | A | A |
| 14500297 |  |  | xxx A | A | A | A | A |
| 14689487 |  |  | xxx A | A | A | A | A |
| 15359563 |  |  | xxx A | A | A | A | A |
| 10148301 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 11697432 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 14260256 |  |  | xxx A | A | A | A | A |
| 10510364 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 13222612 |  |  | xxx A | A | A | A | A |
| 15065025 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 10628949 | xxx |  | xxx C A | A | A C | A | A |
| 11519669 |  |  | xxx A | A | A | A | A |
| 12856639 |  |  | xxx D A | A | A D | A | A |
| 10827804 |  |  | xxx A | A | A | A | A |
| 11657387 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 19980159 |  |  | xxx A C | A | A C B | A | A B |
| 12071629 |  |  | xxx A | A | A | A | A |
| 14970607 |  |  | xxx C A | A | A C | A | A |
| 17596144 |  |  | xxx A | A | A | A | A |
| 11087759 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 18146521 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 14800001 | xxx |  | xxx A | N/A | N/A | N/A | N/A |
| 12218284 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 15764348 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 18383325 |  |  | xxx D A | N/A | N/A D | N/A | N/A |
| 15224021 |  |  | xxx A C | N/A | N/A C | N/A | N/A |
| 16288267 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 15330878 |  |  | xxx D A | N/A C | N/A D | N/A B | N/A B |
| 14531571 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 12929103 |  |  | xxx A | A | A | A | A |
| 15800099 |  |  | xxx D A | A | A D | A | A |
| 10138910 |  |  | xxx C A | A | A C | A | A |
| 12825908 |  |  | xxx A | A | A | A | A |
| 15694861 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 15125919 |  |  | xxx A | A | A | A | A |
| 18208191 |  |  | xxx B A | A | A B | A | A |
| 17200798 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 11639692 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 17621412 |  |  | xxx A | A | A | A | A |
| 18957031 |  |  | xxx C A | N/A | N/A C B | N/A | N/A B |
| 12224082 |  |  | xxx A | A | A | A | A |
| 19239059 |  |  | xxx D A | N/A | N/A D | N/A | N/A |
| 11740504 |  |  | xxx D A | N/A | N/A D | N/A | N/A |
| 13428625 |  |  | xxx D A | N/A | N/A D | N/A | N/A |
| 10676039 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 15909471 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 17276402 |  |  | xxx A | A | A | A | A |
| 12644965 |  |  | xxx C A | A | A C B | A | A B |
| 17094842 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 16733215 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 15550155 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 10738186 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 19571129 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 10796189 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 18526471 |  |  | xxx A | A | A | A | A |
| 10940884 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 17939020 |  |  | xxx A D | N/A | N/A D | N/A | N/A |
| 10025901 |  |  | xxx D A | N/A D | N/A D | N/A | N/A |
| 10028543 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 15267341 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 19995081 |  |  | xxx D A | N/A | N/A D | N/A | N/A |
| 10490242 |  |  | xxx C A | N/A | N/A C | N/A | N/A |
| 10704610 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 16358769 |  |  | xxx A D | N/A | N/A D | N/A | N/A |
| 18580798 |  |  | xxx C A | N/A | N/A C | N/A | N/A |
| 10223798 |  |  | xxx A | A | A | A | A |
| 14196718 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 15799006 |  |  | xxx A | A | A | A | A |
| 19673630 |  |  | xxx A | A | A | A | A |
| 10091917 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 12166424 |  |  | xxx C A | N/A | N/A C | N/A | N/A |
| 15444975 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 19905676 |  |  | xxx A D | N/A | N/A D | N/A | N/A |
| 13881169 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 14335373 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 17577967 |  |  | xxx A | A | A | A | A |
| 10187959 |  |  | xxx A | A | A | A | A |
| 10196095 |  |  | xxx A | A | A | A | A |
| 19881247 |  |  | xxx C A | A | A C | A | A |
| 19082672 |  |  | xxx A | A | A | A | A |
| 16372199 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 16352956 |  |  | xxx A | A | A | A | A |
| 12190039 |  |  | xxx C A | A | A C | A | A |
| 13240848 |  |  | xxx A | A | A | A | A |
| 11533392 |  |  | xxx A | A | A | A | A |
| 17329018 | xxx |  | xxx A | D | D A | A | A |
| 15816924 | xxx |  | xxx A | A | A | A | A |
| 16892400 |  |  | xxx A | N/A C | N/A C | N/A B | N/A B |
| 17525707 |  |  | xxx A B | N/A | N/A B | N/A | N/A |
| 14752263 | xxx |  | xxx A | A | A | A | A |
| 17305247 | xxx |  | xxx A | N/A | N/A | N/A | N/A |
| 17094641 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 15040328 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 15039071 |  |  | xxx C A | A | A C B | A | A B |
| 14068167 |  |  | xxx A | A | A | A | A |
| 19862604 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 14603640 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 16245204 |  |  | xxx D A | N/A | N/A D | N/A | N/A |
| 16179845 |  |  | xxx A | A | A | A | A |
| 13408104 |  |  | xxx A | A | A | A | A |
| 10011126 |  |  | xxx A | A | A | A | A |
| 16935907 |  |  | xxx B A | A | A B | A | A |
| 15615295 |  |  | xxx D A | A | A D | A | A |
| 12789366 |  |  | xxx D A | A | A D | A | A |
| 18391738 |  |  | xxx C A | N/A | N/A C | N/A | N/A |
| 16846481 |  |  | xxx D A | N/A | N/A D | N/A | N/A |
| 16972789 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 15868410 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 16663523 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 14939914 |  |  | xxx D A | N/A | N/A D | N/A | N/A |
| 14728187 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 12104266 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 19191399 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 13775572 |  |  | xxx D A | N/A | N/A D | N/A | N/A |
| 12638704 | xxx |  | xxx A | A | A | A | A |
| 17517520 |  |  | xxx D | A | A D | A | A |
| 10259565 |  |  | xxx D A | N/A | N/A D | N/A | N/A |
| 17638644 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 19940872 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 13106689 |  |  | xxx A | N/A D | N/A D | N/A B | N/A B |
| 19951764 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 19953206 | xxx |  | xxx A | A | A | A | A |
| 11961054 | xxx |  | xxx A | N/A | N/A | N/A | N/A |
| 17325090 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 15118812 |  |  | xxx D A | N/A | N/A D B | N/A | N/A B |
| 13007884 |  |  | xxx D A | A | A D | A | A |
| 14965981 |  |  | xxx A | A | A | A | A |
| 13132572 |  |  | xxx A | A | A | A | A |
| 17548664 |  |  | xxx A | A | A | A | A |
| 10270772 |  |  | xxx A | A | A | A | A |
| 18787458 |  |  | xxx A | A | A | A | A |
| 19945246 |  |  | xxx A | A | A | A | A |
| 13394789 |  |  | xxx D A | A | A D | A | A |
| 13173260 |  |  | xxx A | A | A | A | A |
| 18360023 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 15889650 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 11595053 |  |  | xxx A | A | A | A | A |
| 11110075 |  |  | xxx D A | A | A D | A | A |
| 12688657 |  |  | xxx D A | N/A | N/A D | N/A | N/A |
| 12992414 |  |  | xxx A | A | A | A | A |
| 15624172 |  |  | xxx A C | N/A | N/A C | N/A | N/A |
| 11724698 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 19914947 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 14287985 |  |  | xxx A C | N/A | N/A C | N/A | N/A |
| 15897086 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 15086947 | xxx |  | xxx A | A | A | A | A |
| 14462494 |  |  | xxx D A | A | A D | A | A |
| 12807743 | xxx |  | xxx A | N/A | N/A | N/A | N/A |
| 13800976 | xxx |  | xxx A | A | A | A | A |
| 18845825 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 16922551 |  |  | xxx B A | N/A | N/A B | N/A | N/A |
| 14699114 |  |  | xxx D A | N/A | N/A D | N/A | N/A |
| 18268153 |  |  | xxx A | A | A | A | A |
| 11495947 |  |  | xxx A | A | A | A | A |
| 17459566 |  |  | xxx A | A | A | A | A |
| 18766840 |  |  | xxx A | A | A | A | A |
| 15084998 |  |  | xxx A | A | A | A | A |
| 12954890 |  |  | xxx A | A | A | A | A |
| 13516531 |  |  | xxx A | A | A | A | A |
| 14068525 |  |  | xxx A | A | A | A | A |
| 15167123 |  |  | xxx A | A | A | A | A |
| 17898707 |  |  | xxx A | A | A | A | A |
| 15460108 |  |  | xxx B A | A | A B | A | A B |
| 14602549 |  |  | xxx A | A | A | A | A |
| 12686390 |  |  | xxx A | A | A | A | A |
| 19415071 |  |  | xxx A | A | A | A | A |
| 12754081 |  |  | xxx D A | N/A | N/A D | N/A | N/A |
| 15390382 |  |  | xxx A | A | A | A | A |
| 18230187 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 15176381 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 19100207 |  |  | xxx A C | N/A | N/A C | N/A | N/A |
| 18392671 |  |  | xxx C | A | A C | A | A |
| 17859165 |  |  | xxx A B | N/A | N/A B | N/A | N/A |
| 13425662 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 18026048 |  |  | xxx A | A | A | A | A |
| 14535032 |  |  | xxx D B | N/A | N/A D | N/A | N/A |
| 19625167 |  |  | xxx D A | N/A | N/A D | N/A | N/A |
| 11088525 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 17755000 |  |  | xxx A | N/A C | N/A C | N/A B | N/A B |
| 12961891 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 18300381 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 14859547 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 19918814 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 10854881 |  |  | xxx A C | N/A | N/A C | N/A | N/A |
| 13115908 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 17003174 |  |  | xxx A | N/A | N/A | N/A | N/A |
| 15690544 |  |  | xxx D A | A | A D | A | A |

---

## Exhibit 99.01

[VISTA POINT ASSETS LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.1 - Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 14171325 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 23.13 | 69.2 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 18726232 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 16.67 | 48.93 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | xxx |
| 17867064 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 22.35 | 80.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1.5 | xxx |
| 19758469 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 14.81 | 39.39 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17492147 | xxx |  | xxx | xxx |  | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | 12.99 | 54.78 | xxx | xxx | -.0552 | AVM |  |  |  |  |  |  |  |  |  | xxx | xxx | -.0552 | 96.0 | 0.04 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 14184869 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | 18.28 | 69.42 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15991990 | xxx |  | xxx | xxx |  | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | 17.78 | 56.09 | xxx | xxx | .3399 | AVM |  |  |  |  |  |  |  |  |  | xxx | xxx | .3399 | 85.0 | 0.15 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12741512 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 23.13 | 80.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 13306321 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | 18.29 | 75.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | xxx |
| 11530464 | xxx |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 17.31 | 85.0 | xxx | xxx | -.0588 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | -.0588 | xxx | Moderate risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11232955 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | 22.99 | 72.28 | xxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 2 | xxx |
| 14835215 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 11.46 | 84.97 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | xxx |
| 15256021 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 27.99 | 49.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16619544 | xxx |  | xxx | xxx |  | 0 | xxx | xxx | AVM | xxx | 18.34 | 66.55 | xxx | xxx | -.0243 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  | xxx | xxx | .0713 | 95.0 | 0.05 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | -.0243 | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13344325 |  |  | xxx | xxx |  | 0 | xxx | xxx | AVM | xxx | 12.03 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 92 | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16325717 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 26.1 | 68.82 | xxx | xxx | -.0381 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | -.0381 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18455502 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 30.0 | 63.88 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12694401 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 12.16 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17237631 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 11.78 | 59.18 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | xxx |
| 13848915 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 16.81 | 66.47 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14489119 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 17.78 | 62.01 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1 | xxx |
| 16995754 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 21.45 | 68.77 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | xxx | 0 | .0000 | xxx | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1 | xxx |
| 12227200 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 26.85 | 74.8 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 2.1 | xxx |
| 12586592 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 17.33 | 89.65 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 18356179 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 33.33 | 75.36 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 12940047 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | 16.04 | 74.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11572903 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 28.93 | 89.98 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | xxx |
| 18857653 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 6.14 | 26.21 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17158231 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 14.39 | 62.5 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 10178189 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 19.89 | 66.59 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 16916556 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 14.71 | 73.16 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 19522338 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 16.67 | 28.15 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12337354 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 9.8 | 49.44 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16269685 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 17.82 | 63.83 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11479008 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 25.0 | 64.5 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13815189 | xxx |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 42.59 | 74.51 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11755675 | xxx |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 31.51 | 78.36 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11495135 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 22.23 | 64.97 | xxx | xxx | -.0769 | AVM |  |  |  |  |  |  |  |  |  | xxx | xxx | -.0769 | 92.0 | 0.08 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18271926 |  |  | xxx | xxx |  | 0 | xxx | xxx | AVM | xxx | 18.18 | 77.59 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 95 | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18281001 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 23.71 | 79.74 | xxx | xxx | .0563 | AVM |  |  |  |  |  |  |  |  |  | xxx | xxx | .0563 | 94.0 | 0.06 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 17593235 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 12.5 | 88.73 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 1.3 | xxx |
| 16987166 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 7.18 | 59.08 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1.1 | xxx |
| 10076506 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 10.0 | 46.19 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13216888 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | 27.32 | 59.27 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14978021 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 23.29 | 74.77 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18327443 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 15.76 | 68.68 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | xxx |
| 11931548 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 17.54 | 46.15 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13239946 |  |  | xxx | xxx |  | 0 | xxx | xxx | AVM | xxx | 27.18 | 79.98 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 92 | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15779399 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | 21.08 | 73.31 | xxx | 0 | .0000 | 2000 One Unit Appraisal Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18195928 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 29.13 | 72.47 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10504596 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 25.0 | 89.84 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18750923 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 14.29 | 68.86 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18231623 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 17.95 | 70.58 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | xxx |
| 18592738 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 15.35 | 77.58 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10678260 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 18.75 | 63.28 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | xxx |
| 10384925 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 13.72 | 77.76 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16562216 |  |  | xxx | xxx |  | 0 | xxx | xxx | AVM | xxx | 20.8 | 50.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 94 | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12302093 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 32.74 | 75.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1.1 | xxx |
| 10976841 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1025 Small Residential Income Report | xxx | 18.96 | 59.87 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15241669 | xxx |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 15.72 | 76.57 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14049057 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 20.59 | 77.87 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11081072 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 16.67 | 52.78 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14909275 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 22.11 | 84.87 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19986076 |  |  | xxx | xxx |  | 0 | xxx | xxx | AVM | xxx | 26.81 | 74.56 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 90 | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12154897 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 18.0 | 68.15 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10866364 | xxx |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 10.98 | 84.91 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11609150 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 28.95 | 55.86 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19910559 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 35.79 | 69.47 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10758404 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 14.91 | 64.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16433253 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 9.78 | 66.21 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14351198 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | 17.86 | 64.42 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16809433 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 32.15 | 61.94 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | xxx |
| 18185116 | xxx |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 37.19 | 80.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 2.5 | xxx |
| 16769184 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 28.74 | 74.58 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1 | xxx |
| 16184991 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 12.94 | 46.5 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | High | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 17494903 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 20.24 | 82.48 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 1.3 | xxx |
| 11597689 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 15.63 | 78.79 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 12277914 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 42.95 | 78.98 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 11577327 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 12.48 | 66.09 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1.6 | xxx |
| 13594640 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 14.29 | 73.64 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 13342955 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 16.85 | 70.75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17464497 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 25.3 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15609436 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 22.14 | 79.6 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15209155 |  |  | xxx | xxx |  | 0 | xxx | xxx | AVM | xxx | 24.81 | 57.68 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 94 | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12911272 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 9.82 | 41.86 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | xxx |
| 16889364 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 22.45 | 65.78 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 10854999 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 18.77 | 76.37 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1.5 | xxx |
| 17620988 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 16.61 | 74.73 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16879590 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 18.87 | 81.85 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | xxx |
| 12906682 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 38.1 | 83.28 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18994403 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | 22.86 | 69.41 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13501851 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 11.12 | 69.71 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17157441 | xxx |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 7.5 | 26.85 | xxx | xxx | .2265 | AVM |  |  |  |  |  |  |  |  |  | xxx | xxx | .2265 | 87.0 | 0.13 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 12238385 | xxx |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 22.14 | 68.88 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | xxx |
| 15467566 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 35.5 | 84.98 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13979881 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 19.14 | 59.73 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11929093 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | 11.27 | 27.03 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18056466 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 37.14 | 68.53 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19767006 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 20.48 | 74.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10017393 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 7.05 | 63.98 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11359644 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 11.72 | 78.57 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1.1 | xxx |
| 17810787 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 21.21 | 65.83 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 15903693 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 16.82 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13635780 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 18.88 | 64.93 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1 | xxx |
| 11616953 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 14.25 | 74.57 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | xxx |
| 19584360 | xxx |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 13.75 | 76.43 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 18663924 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 9.72 | 79.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18956064 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 11.02 | 47.08 | xxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible |  |  |
| 19312108 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 33.56 | 55.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15036459 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 30.42 | 59.39 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18589962 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 18.15 | 78.31 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13843680 | xxx |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 12.71 | 59.44 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13844162 | xxx |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 27.5 | 73.93 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 14654936 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 20.99 | 64.49 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18057525 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 23.04 | 67.95 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13982030 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 14.93 | 34.22 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10098195 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 20.26 | 84.74 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18199119 |  |  | xxx | xxx |  | 0 | xxx | xxx | AVM | xxx | 29.7 | 68.42 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 90 | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12159499 |  |  | xxx | xxx |  | 0 | xxx | xxx | AVM | xxx | 16.33 | 29.63 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 93 | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12892944 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 26.39 | 69.72 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10631382 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 32.0 | 79.9 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | xxx |
| 16332592 | xxx |  | xxx | xxx |  | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | 16.15 | 74.33 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18529546 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1025 Small Residential Income Report | xxx | 31.09 | 67.15 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18621654 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 22.5 | 78.35 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11113384 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1073 Individual Condo Report | xxx | 10.58 | 62.34 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18862532 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 16.28 | 57.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14806583 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 39.42 | 54.96 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10241077 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 26.4 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13633453 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 20.73 | 90.0 | xxx | xxx | .0040 | AVM |  |  |  |  |  |  |  |  |  | xxx | xxx | .0040 | 92.0 | 0.08 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | xxx |
| 16629383 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 8.0 | 65.17 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1.4 | xxx |
| 18377966 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 21.43 | 63.08 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14640133 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 21.24 | 75.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 11646342 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 31.26 | 89.84 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1 | xxx |
| 10587192 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 10.26 | 70.0 | xxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible |  |  |
| 15301499 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 20.0 | 65.56 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1 | xxx |
| 12719007 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 15.95 | 69.43 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16284348 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 27.27 | 63.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19561189 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 19.66 | 58.24 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 1 | xxx |
| 11982801 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 13.27 | 63.01 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | xxx |
| 10776382 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 28.5 | 73.59 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1 | xxx |
| 18345129 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 33.17 | 68.98 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | High | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible |  |  |
| 11907500 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 13.08 | 54.4 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1.9 | xxx |
| 10987380 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 12.75 | 80.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 16171043 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 41.9 | 69.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17387371 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 28.37 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16177480 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 11.4 | 76.4 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17045037 |  |  | xxx | xxx |  | 0 | xxx | xxx | AVM | xxx | 34.17 | 79.86 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 95 | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10294170 |  |  | xxx | xxx |  | 0 | xxx | xxx | AVM | xxx | 25.27 | 79.87 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 90 | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15917100 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 17.81 | 77.5 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 17275282 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 29.73 | 74.48 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 18242347 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 21.74 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12950982 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 15.33 | 82.34 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16263683 | xxx |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 36.08 | 65.87 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 1 | xxx |
| 17909837 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 25.37 | 70.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | xxx |
| 10586339 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 24.48 | 69.9 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17131503 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 26.85 | 73.56 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18861382 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 22.62 | 62.19 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15688073 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 27.95 | 57.18 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19236047 |  |  | xxx | xxx |  | 0 | xxx | xxx | AVM | xxx | 35.42 | 70.61 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 95 | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13357372 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 15.46 | 77.32 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17481893 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 37.95 | 70.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14076778 | xxx |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 20.56 | 52.83 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx |
| 19220433 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | 18.83 | 67.24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18471211 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 26.49 | 69.61 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 14069777 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 19.89 | 66.9 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12937662 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 18.06 | 69.16 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 1.7 | xxx |
| 11317873 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 14.78 | 60.18 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13787840 | xxx |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 35.71 | 62.32 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19230782 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 19.05 | 63.42 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | xxx |
| 11581074 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 15.63 | 55.85 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | xxx |
| 17142333 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 29.61 | 70.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11429524 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 9.6 | 77.22 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13244313 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 24.51 | 70.16 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10214692 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 10.26 | 45.18 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18486112 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 17.07 | 86.74 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17471478 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 7.14 | 44.16 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17033375 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 12.18 | 59.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14768469 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 45.99 | 79.25 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19998522 |  |  | xxx | xxx |  | 0 | xxx | xxx | AVM | xxx | 24.96 | 78.59 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 96 | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17576631 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 18.18 | 59.73 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14516047 |  |  | xxx | xxx |  | 0 | xxx | xxx | AVM | xxx | 16.31 | 56.54 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 94 | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12297799 |  |  | xxx | xxx |  | 0 | xxx | xxx | AVM | xxx | 13.08 | 44.15 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 87 | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18254064 |  |  | xxx | xxx |  | 0 | xxx | xxx | AVM | xxx | 5.31 | 36.33 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 87 | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15469876 |  |  | xxx | xxx |  | 0 | xxx | xxx | AVM | xxx | 24.44 | 65.99 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 98 | 0.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18501157 |  |  | xxx | xxx |  | 0 | xxx | xxx | AVM | xxx | 21.79 | 79.09 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 93 | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14926050 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 21.88 | 63.12 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | xxx |
| 15230073 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 15.32 | 71.9 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 19865843 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 15.27 | 68.02 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 1.7 | xxx |
| 16425543 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 31.65 | 66.52 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14566814 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 37.36 | 79.63 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | xxx |
| 11622546 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 22.56 | 63.65 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 14940311 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 24.91 | 73.39 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 11476752 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | 8.82 | 46.87 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13640701 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 10.43 | 56.92 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14639852 |  |  | xxx | xxx |  | 0 | xxx | xxx | AVM | xxx | 18.31 | 30.04 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 93 | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx |  |  |  |  |  |  |  |  |  |  |
| 19732849 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 28.41 | 69.56 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19854739 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 21.39 | 72.9 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17002909 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 23.67 | 69.69 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18069043 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | 15.06 | 63.25 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10029647 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 23.84 | 79.87 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19383480 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 16.67 | 55.66 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13704395 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 29.29 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11980915 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | 20.48 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16200288 | xxx |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 8.22 | 45.98 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19874556 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 27.93 | 64.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14721861 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 21.75 | 61.13 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 18194711 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 28.96 | 79.84 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 15075016 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 11.81 | 85.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 12554853 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 17.7 | 67.67 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 13570187 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 24.75 | 74.76 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 1 | xxx |
| 11928893 |  |  | xxx | xxx |  | 0 | xxx | xxx | AVM | xxx | 34.99 | 78.39 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 92 | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17769553 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 16.95 | 57.36 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13410193 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 21.9 | 47.64 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11200998 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 28.13 | 69.86 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19458498 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | 16.44 | 58.29 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13947238 |  |  | xxx | xxx |  | 0 | xxx | xxx | AVM | xxx | 31.91 | 68.62 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 97 | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12716104 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 20.75 | 72.58 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11996102 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 19.68 | 79.85 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18495874 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 28.31 | 79.89 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14907793 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 22.5 | 51.58 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11771353 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 17.61 | 53.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10166753 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 28.96 | 74.44 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 14526627 | xxx |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 36.14 | 69.64 | xxx | xxx | .0313 | AVM |  |  |  |  |  |  |  |  |  | xxx | xxx | .0313 | 93.0 | 0.07 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 2.5 | xxx |
| 19241517 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 7.1 | 52.99 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10904972 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 15.17 | 89.92 | xxx | xxx | -.0395 | AVM |  |  |  |  |  |  |  |  |  | xxx | xxx | -.0395 | 93.0 | 0.07 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13408063 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 19.0 | 89.87 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15875809 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 17.87 | 74.51 | xxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible |  |  |
| 17755406 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 22.29 | 74.24 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15229506 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 9.58 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10951928 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 8.33 | 58.33 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15581893 |  |  | xxx | xxx |  | 0 | xxx | xxx | AVM | xxx | 30.96 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 95 | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19281867 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 11.11 | 60.6 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | xxx |
| 11945074 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 21.82 | 56.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 16388004 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 18.59 | 79.43 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 13698482 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 15.0 | 74.7 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 1.1 | xxx |
| 16641672 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 17.9 | 84.87 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 19669267 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 22.5 | 76.21 | xxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible |  |  |
| 12980631 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 17.2 | 79.86 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 15057449 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 25.92 | 79.29 | xxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1.8 | xxx |
| 12078674 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 13.93 | 74.86 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19619057 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 12.84 | 35.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16506808 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 37.12 | 64.64 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13978256 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 15.92 | 48.39 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 2.5 | xxx |
| 19128271 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 11.94 | 74.88 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18824991 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 9.96 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13124651 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 16.67 | 47.56 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14705874 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 14.58 | 84.45 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15150868 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 43.18 | 70.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12902169 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 23.44 | 73.69 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11840191 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 9.68 | 45.42 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13128108 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 32.53 | 74.56 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | xxx |
| 12470452 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 22.86 | 76.93 | xxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1.3 | xxx |
| 15386908 | xxx |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 33.57 | 74.91 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10043930 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 32.61 | 70.41 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19797113 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 17.75 | 79.86 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13209555 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 27.5 | 56.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1.2 | xxx |
| 18206034 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 15.0 | 55.37 | xxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1.4 | xxx |
| 18211183 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 43.4 | 69.61 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 15896740 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | 9.84 | 32.07 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 13711383 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | 18.82 | 53.88 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13000016 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | 17.39 | 62.88 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14546416 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 17.65 | 52.7 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19570003 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | 16.25 | 62.78 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11768557 | xxx |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 13.41 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15750836 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 40.94 | 79.74 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 1 | xxx |
| 19801762 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 37.12 | 69.63 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx |
| 15336726 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 11.06 | 68.64 | xxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible |  |  |
| 19457679 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 20.19 | 90.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 16543884 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | 9.76 | 74.65 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1.4 | xxx |
| 17964065 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 14.06 | 79.76 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible |  |  |
| 14492618 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 21.37 | 86.57 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | xxx |
| 18733561 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 25.6 | 79.74 | xxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible |  |  |
| 15493261 | xxx |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 19.32 | 67.51 | xxx | xxx | .0114 | AVM |  |  |  |  |  |  |  |  |  | xxx | xxx | .0114 | 93.0 | 0.07 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 19659601 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 26.03 | 74.95 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14339728 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 12.77 | 79.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18628495 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 15.7 | 69.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18287382 | xxx |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 8.06 | 84.98 | xxx | xxx | -.0398 | AVM |  |  |  |  |  |  |  |  |  | xxx | xxx | -.0398 | 92.0 | 0.08 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx |
| 13326401 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 15.98 | 78.36 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 18228778 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 13.7 | 72.76 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 13631680 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | 14.22 | 74.59 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15578274 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 9.44 | 79.91 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 17789299 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 29.41 | 78.91 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1 | xxx |
| 15275351 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 31.49 | 88.18 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | xxx |
| 13551604 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 19.22 | 80.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 10847833 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | 12.55 | 42.4 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10594306 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 27.27 | 72.51 | xxx | 0 | .0000 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18604756 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 14.61 | 76.17 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1 | xxx |
| 16851714 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 20.39 | 51.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18818482 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | 17.89 | 69.36 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14129401 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 23.36 | 74.84 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16784910 |  |  | xxx | xxx |  | xxx | xxx | xxx | AVM | xxx | 8.23 | 55.09 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 89 | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16811008 | xxx |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 23.53 | 63.98 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18809718 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 34.09 | 67.64 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 18820752 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 12.23 | 22.42 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17155106 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | 22.99 | 74.68 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19089776 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 14.15 | 79.75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11201248 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 20.06 | 51.15 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | xxx |
| 16414088 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 33.45 | 57.41 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17870176 |  |  | xxx | xxx |  | 0 | xxx | xxx | AVM | xxx | 33.16 | 69.74 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 96 | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0004 | xxx |  |  |  |  |  |  |  |  |  |  |
| 17556559 |  |  | xxx | xxx |  | 0 | xxx | xxx | AVM | xxx | 15.46 | 28.46 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 88 | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17050369 | xxx |  | xxx | xxx |  | xxx | xxx | xxx | 1073 Individual Condo Report | xxx | 26.47 | 74.95 | xxx | xxx | .0206 | AVM |  |  |  |  |  |  |  |  |  | xxx | xxx | .0206 | 92.0 | 0.08 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx |
| 10321445 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 24.07 | 74.78 | xxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible |  |  |
| 18596354 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 16.67 | 79.93 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15439007 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 15.72 | 54.0 | xxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  | xxx | xxx | -.0055 | 88.0 | 0.12 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible |  |  |
| 15427729 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 24.64 | 84.49 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 18487155 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 13.36 | 84.81 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 18822198 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 10.86 | 58.86 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1 | xxx |
| 19638695 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 22.94 | 89.12 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 15209468 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 25.34 | 72.58 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14906011 |  |  | xxx | xxx |  | 0 | xxx | xxx | AVM | xxx | 18.81 | 40.37 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 96 | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10879765 |  |  | xxx | xxx |  | 0 | xxx | xxx | AVM | xxx | 32.04 | 64.59 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 90 | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12556350 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 24.13 | 69.96 | xxx | xxx | -.0612 | 2000 One Unit Appraisal Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | -.0612 | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19381615 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 6.8 | 31.25 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16210219 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 13.82 | 80.65 | xxx | xxx | .0544 | AVM |  |  |  |  |  |  |  |  |  | xxx | xxx | .0544 | 95.0 | 0.05 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19545587 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 19.44 | 84.88 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 11247862 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 12.47 | 57.61 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13183841 | xxx |  | xxx | xxx |  | 0 | xxx | xxx | AVM | xxx | 5.77 | 61.38 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 94 | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17274456 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 17.52 | 63.42 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14096740 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 23.29 | 73.62 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10366096 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 9.79 | 69.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14324802 | xxx |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 21.9 | 79.87 | xxx | xxx | .0334 | AVM |  |  |  |  |  |  |  |  |  | xxx | xxx | .0334 | 87.0 | 0.13 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14996622 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 16.89 | 57.14 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible |  |  |
| 17896360 |  |  | xxx | xxx |  | 0 | xxx | xxx | AVM | xxx | 32.26 | 69.92 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 93 | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13993989 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 36.96 | 79.9 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19384542 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | 20.01 | 54.75 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13037773 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 18.38 | 66.15 | xxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 2.4 | xxx |
| 15681154 |  | 1081023076 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 23.75 | 69.5 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16874856 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 30.8 | 79.92 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12478201 | xxx |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 33.08 | 70.17 | xxx | xxx | -.0615 | AVM |  |  |  |  |  |  |  |  |  | xxx | xxx | -.0615 | 93.0 | 0.07 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | xxx |
| 17114841 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 11.18 | 42.32 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15136741 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 32.27 | 84.98 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 14874630 |  |  | xxx | xxx |  | 0 | xxx | xxx | AVM | xxx | 12.17 | 79.94 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 94 | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11369768 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 27.25 | 63.2 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 1 | xxx |
| 13290450 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 16.84 | 75.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | xxx |
| 13689251 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 21.1 | 43.93 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 16564430 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 13.25 | 71.72 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17352992 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 25.0 | 74.72 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19699734 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 7.73 | 46.87 | xxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible |  |  |
| 10171320 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 35.0 | 72.18 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 1 | xxx |
| 15086569 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 35.12 | 90.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1.3 | xxx |
| 11785482 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 18.45 | 40.75 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | xxx |
| 14939869 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 19.45 | 84.87 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13458952 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 11.9 | 77.66 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 10989572 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 19.85 | 79.98 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1.8 | xxx |
| 17463536 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 4.42 | 50.58 | xxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible |  |  |
| 10906349 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 36.77 | 84.51 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1 | xxx |
| 14799693 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 9.12 | 34.41 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16300985 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 15.07 | 66.17 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10992285 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 22.43 | 68.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15374567 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 26.79 | 71.9 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 11704412 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 26.78 | 79.82 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 1.6 | xxx |
| 13118550 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 35.37 | 90.0 | xxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible |  |  |
| 14548498 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 12.32 | 52.8 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13232041 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 17.19 | 66.29 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1 | xxx |
| 19048264 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 19.5 | 74.99 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 16226513 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | 29.07 | 59.75 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | MODERATE RISK | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11294453 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 15.06 | 57.12 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 10473516 | xxx |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 23.12 | 81.77 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 1 | xxx |
| 17366513 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1025 Small Residential Income Report | xxx | 20.78 | 72.51 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17763511 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 30.38 | 66.7 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16303035 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 38.46 | 86.19 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 10001464 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 25.45 | 49.46 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18584389 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 13.79 | 62.24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10186153 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 30.12 | 82.48 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10288701 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 23.08 | 66.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13113573 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | 36.42 | 74.53 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10087819 |  |  | xxx | xxx |  | 0 | xxx | xxx | AVM | xxx | 15.43 | 52.8 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 92 | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11517700 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | 16.67 | 68.97 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13291478 |  |  | xxx | xxx |  | 0 | xxx | xxx | AVM | xxx | 24.9 | 79.51 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 92 | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16181300 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 25.16 | 84.7 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 16449442 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 36.16 | 79.82 | xxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible |  |  |
| 12807583 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 29.04 | 79.84 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx |
| 18041798 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | 22.56 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19490766 |  |  | xxx | xxx |  | 0 | xxx | xxx | AVM | xxx | 28.09 | 69.94 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 90 | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17216540 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 36.11 | 74.84 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13287255 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 32.35 | 74.99 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18153271 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 15.63 | 42.49 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13348391 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 18.13 | 69.88 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18937697 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | 8.0 | 32.87 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13985166 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 30.53 | 69.9 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10347314 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 8.77 | 47.2 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15732542 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 26.43 | 69.88 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10602978 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 24.29 | 69.71 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13589659 | xxx |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 10.53 | 59.98 | xxx | xxx | .0095 | AVM |  |  |  |  |  |  |  |  |  | xxx | xxx | .0095 | 88.0 | 0.12 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1.3 | xxx |
| 19128278 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 21.67 | 59.97 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 15244053 | xxx |  | xxx | xxx |  | 0 | xxx | xxx | AVM | xxx | 25.5 | 84.5 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 93 | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11097209 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 20.9 | 79.86 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | xxx |
| 17399236 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 20.29 | 74.84 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12374485 |  |  | xxx | xxx |  | 0 | xxx | xxx | AVM | xxx | 23.99 | 23.99 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 95 | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13399457 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 9.38 | 35.51 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14251224 |  |  | xxx | xxx |  | 0 | xxx | xxx | AVM | xxx | 26.66 | 63.35 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 94 | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18401713 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 23.13 | 73.57 | xxx | 0 | .0000 | 2075 Desktop Underwriter Property Inspection Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | xxx |
| 18141574 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 25.45 | 77.55 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 11893083 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 23.42 | 78.45 | xxx | 0 | .0000 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | xxx |
| 18580763 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 16.13 | 61.77 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 1 | xxx |
| 18889748 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 12.32 | 62.44 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Excellebt | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 15111899 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 19.53 | 88.41 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 13333550 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 27.08 | 78.95 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1 | xxx |
| 16102711 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 15.93 | 64.97 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13012458 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 15.38 | 56.7 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18515972 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 14.43 | 41.71 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12006059 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | 35.4 | 69.86 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16367949 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | 31.76 | 69.85 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19719418 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 14.71 | 47.47 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15931865 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | 22.44 | 58.22 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17782296 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 15.38 | 55.51 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14802362 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 8.82 | 76.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11199914 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 6.31 | 69.37 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16418414 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 29.75 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11035940 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 21.09 | 69.28 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16570395 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 26.92 | 79.54 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13169426 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 26.84 | 80.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | xxx |
| 15018250 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 25.43 | 64.2 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | xxx |
| 17360143 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 20.73 | 80.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 1 | xxx |
| 17332780 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 14.81 | 87.71 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | xxx |
| 12463000 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 21.47 | 79.49 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1.5 | xxx |
| 14097487 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 13.68 | 89.88 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 18933350 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 14.29 | 56.41 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15164501 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 13.25 | 69.3 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 17896883 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 14.47 | 90.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10514312 |  |  | xxx | xxx |  | 0 | xxx | xxx | AVM | xxx | 34.29 | 78.19 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 91 | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15955340 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 20.47 | 74.99 | xxx | xxx | -.0943 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | -.0943 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15166352 | xxx |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 13.95 | 39.65 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14454618 | xxx |  | xxx | xxx |  | xxx | xxx | xxx | 1073 Individual Condo Report | xxx | 22.58 | 74.78 | xxx | xxx | -.0182 | AVM |  |  |  |  |  |  |  |  |  | xxx | xxx | -.0182 | 93.0 | 0.07 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx |
| 13700634 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 24.02 | 75.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 12948205 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 16.69 | 69.95 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx |
| 17412880 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 34.18 | 79.56 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1.7 | xxx |
| 18184172 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | 27.35 | 69.92 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13650681 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 15.61 | 84.5 | xxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible |  |  |
| 12411048 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 38.65 | 75.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17072037 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 25.05 | 53.72 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible |  |  |
| 11720719 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 40.19 | 69.99 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx |
| 15585343 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 20.47 | 63.36 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16178808 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 8.03 | 43.6 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12194472 |  |  | xxx | xxx |  | 0 | xxx | xxx | AVM | xxx | 34.12 | 60.39 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 91 | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18900644 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 34.23 | 79.91 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16354782 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 36.2 | 65.97 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13433889 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 9.24 | 54.22 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19107955 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 22.13 | 84.99 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 15995274 | xxx |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 27.69 | 79.86 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1 | xxx |
| 17358869 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 23.44 | 67.64 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15521124 |  |  | xxx | xxx |  | 0 | xxx | xxx | AVM | xxx | 36.38 | 75.06 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 90 | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14522515 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 34.09 | 52.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15490415 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 19.61 | 64.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12771934 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 20.86 | 69.81 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16390279 |  |  | xxx | xxx |  | 0 | xxx | xxx | AVM | xxx | 23.23 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 88 | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11253692 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 36.84 | 69.41 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15642141 |  |  | xxx | xxx |  | 0 | xxx | xxx | AVM | xxx | 28.06 | 79.95 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 96 | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11111752 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 31.05 | 70.29 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 2.5 | xxx |
| 13633339 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 23.5 | 84.88 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 10481422 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 34.33 | 79.8 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15029732 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 22.83 | 89.82 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 10670354 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 13.33 | 53.17 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10778316 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | 16.67 | 66.69 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17792294 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 25.89 | 61.17 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19905987 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 40.65 | 77.8 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 12945685 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 43.51 | 74.99 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 18691868 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 11.19 | 56.51 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1.1 | xxx |
| 12333934 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 19.57 | 67.28 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 18863873 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 24.13 | 69.09 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 13741312 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 23.16 | 79.9 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1 | xxx |
| 18576974 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 15.31 | 69.82 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11143764 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 20.72 | 54.52 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16299608 |  |  | xxx | xxx |  | 0 | xxx | xxx | AVM | xxx | 24.48 | 77.78 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 90 | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx |  |  |  |  |  |  |  |  |  |  |
| 11554432 | xxx |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 12.46 | 37.33 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11201941 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 15.43 | 38.48 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13937495 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 13.11 | 64.62 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16853136 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 13.27 | 54.86 | xxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible |  |  |
| 15605917 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 17.86 | 51.01 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 18057770 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 16.67 | 72.77 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1.5 | xxx |
| 11098243 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 28.77 | 84.77 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19103842 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 13.33 | 75.27 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 10002425 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 23.47 | 73.01 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | xxx |
| 10088409 |  |  | xxx | xxx |  | 0 | xxx | xxx | AVM | xxx | 9.86 | 69.01 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 94 | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11643495 |  |  | xxx | xxx | 1300000 | xxx | xxx | xxx | 1004 URAR | xxx | 19.23 | 81.27 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18376863 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 13.89 | 62.96 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13043462 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 29.47 | 62.09 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 13722815 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 17.86 | 59.67 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14462365 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 31.25 | 78.25 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 11032947 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | 27.61 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11539980 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 25.45 | 48.89 | xxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible |  |  |
| 12754297 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 12.47 | 63.57 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 1 | xxx |
| 19025593 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 27.66 | 71.09 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 14252382 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 22.95 | 56.44 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 11068345 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 18.4 | 75.46 | xxx | xxx | -.0849 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | -.0849 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13215205 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 34.01 | 74.38 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | xxx |
| 16085533 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 13.64 | 73.22 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14485385 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 23.15 | 66.86 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15809849 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 37.45 | 74.71 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11433841 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 11.25 | 74.66 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18636454 |  |  | xxx | xxx |  | 0 | xxx | xxx | AVM | xxx | 26.34 | 71.17 | xxx | xxx | .0127 | AVM |  |  |  |  |  |  |  |  |  | xxx | xxx | .0127 | 93.0 | 0.07 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16173664 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 23.62 | 69.72 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16635873 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 17.5 | 77.81 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14496612 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 27.0 | 75.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1 | xxx |
| 15594730 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 30.91 | 90.0 | xxx | 0 | .0000 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 13516568 |  |  | xxx | xxx |  | 0 | xxx | xxx | AVM | xxx | 13.44 | 72.71 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 95 | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14238641 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 19.05 | 66.19 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 17403123 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 23.82 | 78.79 | xxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible |  |  |
| 19384125 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 16.5 | 80.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 14739755 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 35.4 | 79.84 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12854507 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | 22.03 | 68.84 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17368774 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1025 Small Residential Income Report | xxx | 8.44 | 74.98 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12865776 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 17.7 | 51.63 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16057026 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 20.27 | 59.09 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10620462 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 24.27 | 75.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | xxx |
| 12528721 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 21.74 | 62.52 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11178528 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 25.95 | 78.22 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | xxx |
| 19562499 |  |  | xxx | xxx |  | 0 | xxx | xxx | AVM | xxx | 17.14 | 50.67 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 94 | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11738519 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 24.19 | 70.73 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1 | xxx |
| 14582406 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 22.39 | 72.25 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1.3 | xxx |
| 16496706 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 16.15 | 79.57 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 19666946 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 19.06 | 79.88 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13351567 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1073 Individual Condo Report | xxx | 23.05 | 66.48 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 18821264 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | 16.55 | 63.95 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15414722 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 33.51 | 69.97 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17391351 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 24.04 | 84.75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14910323 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 18.66 | 66.64 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17631098 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 5.56 | 43.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19032999 |  |  | xxx | xxx |  | 0 | xxx | xxx | AVM | xxx | 5.52 | 56.25 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 88 | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15841319 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 13.26 | 74.9 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10757216 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 23.77 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16016379 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 28.24 | 66.43 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12266419 | xxx |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 22.73 | 63.59 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 16479989 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 28.65 | 79.32 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13322357 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 24.1 | 66.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10800394 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 12.4 | 64.71 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19440006 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | 7.93 | 74.69 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10571939 | xxx |  | xxx | xxx |  | 0 | xxx | xxx | AVM | xxx | 10.25 | 83.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 96 | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx |  |  |  |  |  |  |  |  |  |  |
| 16478245 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 22.11 | 85.71 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19589011 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 15.25 | 74.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12216141 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 17.38 | 88.88 | xxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible |  |  |
| 10103982 |  |  | xxx | xxx | 1066000 | 0 | xxx | xxx | 1004 URAR | xxx | 11.73 | 87.38 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 12069898 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 17.19 | 89.92 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1.7 | xxx |
| 16757336 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 10.0 | 35.59 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 14903938 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | 22.73 | 74.97 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11138925 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 7.35 | 36.76 | xxx | xxx | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10179787 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 17.39 | 75.54 | xxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1.4 | xxx |
| 11311809 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 34.64 | 74.22 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16806020 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 12.06 | 79.75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19253528 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 32.47 | 66.58 | xxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible |  |  |
| 10134464 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 14.63 | 74.45 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 1 | xxx |
| 10444748 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 36.44 | 76.71 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 18779129 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | 7.19 | 62.45 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | xxx |
| 16933213 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 15.06 | 69.48 | xxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1.4 | xxx |
| 19689340 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 21.74 | 72.42 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15755312 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 49.98 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17546117 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 14.49 | 32.98 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12759966 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 25.03 | 74.79 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16256887 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 17.65 | 67.76 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16161161 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 13.25 | 55.49 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | xxx |
| 18099670 |  |  | xxx | xxx |  | 0 | xxx | xxx | AVM | xxx | 17.85 | 50.53 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 90 | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16955032 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 18.18 | 71.59 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 14916313 | xxx |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 24.56 | 68.77 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14387844 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 41.54 | 79.5 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15536871 |  |  | xxx | xxx |  | 0 | xxx | xxx | AVM | xxx | 21.78 | 65.11 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 87 | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx |  |  |  |  |  |  |  |  |  |  |
| 17005109 |  |  | xxx | xxx |  | 0 | xxx | xxx | AVM | xxx | 25.57 | 53.89 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 92 | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13830201 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | 28.21 | 70.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13938211 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 14.71 | 72.35 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10719872 |  |  | xxx | xxx |  | 0 | xxx | xxx | AVM | xxx | 34.05 | 79.55 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 94 | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx |  |  |  |  |  |  |  |  |  |  |
| 11150019 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 22.15 | 53.99 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 11520810 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 22.26 | 71.73 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 19175367 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 16.96 | 51.4 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | xxx |
| 17023990 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 19.53 | 78.06 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1.3 | xxx |
| 13415957 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 18.13 | 70.33 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 16080555 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 9.23 | 56.49 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 13763119 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 42.55 | 70.91 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 12497155 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 19.3 | 79.9 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18831238 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 10.75 | 59.63 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13194977 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | 24.6 | 65.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11202890 | xxx |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 19.96 | 72.31 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18793255 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 8.84 | 55.98 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19239659 | xxx |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 18.94 | 71.66 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 14500297 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 16.12 | 64.56 | xxx | xxx | .0101 | AVM |  |  |  |  |  |  |  |  |  | xxx | xxx | .0101 | 89.0 | 0.11 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 14689487 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 26.92 | 72.56 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | xxx |
| 15359563 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 20.93 | 74.33 | xxx | xxx | -.0088 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | -.0088 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10148301 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 17.6 | 67.41 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11697432 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 32.26 | 78.01 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14260256 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 26.56 | 46.54 | xxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 2.5 | xxx |
| 10510364 |  |  | xxx | xxx |  | 0 | xxx | xxx | AVM | xxx | 24.89 | 59.48 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 94 | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13222612 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | 31.25 | 57.37 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15065025 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 33.33 | 66.77 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10628949 | xxx |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 18.23 | 66.64 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 11519669 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | 7.07 | 42.98 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12856639 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1073 Individual Condo Report | xxx | 34.05 | 68.99 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 10827804 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 18.17 | 89.98 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 1 | xxx |
| 11657387 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 32.94 | 89.22 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19980159 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 39.82 | 74.99 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | xxx |
| 12071629 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 21.93 | 61.27 | xxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1.1 | xxx |
| 14970607 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 20.11 | 69.06 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | xxx |
| 17596144 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 23.45 | 72.07 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 11087759 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 8.8 | 78.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18146521 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 14.51 | 89.92 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14800001 | xxx |  | xxx | xxx |  | 0 | xxx | xxx | AVM | xxx | 14.65 | 68.3 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 96 | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx |  |  |  |  |  |  |  |  |  |  |
| 12218284 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 31.96 | 89.86 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15764348 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 60.41 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18383325 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 9.04 | 57.18 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15224021 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 25.34 | 69.95 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16288267 |  |  | xxx | xxx |  | 0 | xxx | xxx | AVM | xxx | 44.49 | 69.08 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 91 | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx |  |  |  |  |  |  |  |  |  |  |
| 15330878 |  |  | xxx | xxx |  | 0 | xxx | xxx | AVM | xxx | 34.65 | 73.42 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0083 | 89.0 | 0.11 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14531571 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 20.62 | 74.66 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12929103 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 7.65 | 55.62 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | xxx | xxx | .0803 | 88.0 | 0.12 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 15800099 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 15.28 | 71.97 | xxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible |  |  |
| 10138910 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 12.42 | 75.14 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 12825908 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 16.67 | 77.55 | xxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible |  |  |
| 15694861 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 29.6 | 74.98 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15125919 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 35.68 | 77.52 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 18208191 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 40.38 | 74.89 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17200798 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 26.63 | 53.26 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11639692 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 34.29 | 57.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17621412 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 9.74 | 18.43 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | xxx |
| 18957031 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 17.19 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12224082 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | 17.91 | 69.48 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19239059 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | 9.9 | 74.69 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11740504 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 32.87 | 73.92 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13428625 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 23.64 | 67.27 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10676039 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | 23.88 | 43.66 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15909471 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 31.74 | 84.85 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17276402 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | 14.29 | 47.77 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12644965 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 55.81 | 74.58 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17094842 |  |  | xxx | xxx |  | 0 | xxx | xxx | AVM | xxx | 18.75 | 56.64 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 90 | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16733215 |  |  | xxx | xxx |  | 0 | xxx | xxx | AVM | xxx | 24.17 | 68.2 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 92 | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15550155 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 15.63 | 49.48 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10738186 |  |  | xxx | xxx |  | 0 | xxx | xxx | AVM | xxx | 20.93 | 56.95 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 93 | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .1138 | xxx |  |  |  |  |  |  |  |  |  |  |
| 19571129 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | 23.4 | 40.82 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10796189 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 22.88 | 74.96 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18526471 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | 40.0 | 68.59 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10940884 |  |  | xxx | xxx |  | 0 | xxx | xxx | AVM | xxx | 25.75 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 92 | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17939020 |  |  | xxx | xxx |  | 0 | xxx | xxx | AVM | xxx | 29.25 | 79.57 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 90 | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10025901 |  |  | xxx | xxx |  | 0 | xxx | xxx | AVM | xxx | 26.23 | 54.14 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 95 | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10028543 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | 12.38 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15267341 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 21.92 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19995081 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | 20.69 | 64.23 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10490242 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 21.37 | 73.72 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10704610 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 28.21 | 79.41 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16358769 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 12.68 | 69.98 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18580798 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 23.08 | 69.72 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10223798 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 19.22 | 79.34 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 14196718 |  |  | xxx | xxx |  | 0 | xxx | xxx | AVM | xxx | 24.98 | 69.9 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 94 | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15799006 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 18.79 | 66.44 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19673630 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 22.2 | 54.51 | xxx | xxx | .0091 | AVM |  |  |  |  |  |  |  |  |  | xxx | xxx | .0091 | 93.0 | 0.07 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10091917 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 15.55 | 84.71 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12166424 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 19.16 | 57.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15444975 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 9.08 | 84.61 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19905676 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | 20.43 | 46.64 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13881169 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | 17.78 | 59.62 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14335373 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 23.81 | 54.86 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17577967 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 20.92 | 84.08 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10187959 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 17.38 | 77.33 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1 | xxx |
| 10196095 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 18.07 | 68.87 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx |
| 19881247 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 21.09 | 85.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 1 | xxx |
| 19082672 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 43.71 | 87.23 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1.6 | xxx |
| 16372199 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | 25.29 | 53.68 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16352956 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 28.72 | 79.94 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 12190039 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 23.4 | 63.79 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible |  |  |
| 13240848 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 9.26 | 34.57 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1 | xxx |
| 11533392 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 11.34 | 72.74 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 1 | xxx |
| 17329018 | xxx |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 11.9 | 70.87 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15816924 | xxx |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 12.21 | 66.6 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 16892400 |  |  | xxx | xxx |  | 0 | xxx | xxx | AVM | xxx | 38.34 | 52.94 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 89 | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17525707 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 28.17 | 75.59 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14752263 | xxx |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 20.05 | 64.51 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1.6 | xxx |
| 17305247 | xxx |  | xxx | xxx |  | 0 | xxx | xxx | AVM | xxx | 16.3 | 78.36 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 91 | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17094641 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 32.05 | 73.98 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15040328 |  |  | xxx | xxx |  | 0 | xxx | xxx | AVM | xxx | 12.0 | 39.01 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 94 | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15039071 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 15.11 | 42.63 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14068167 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | 17.44 | 54.62 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19862604 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 23.27 | 78.88 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14603640 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 14.57 | 79.58 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16245204 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 20.45 | 51.7 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16179845 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 10.6 | 70.0 | xxx | xxx | .0158 | AVM |  |  |  |  |  |  |  |  |  | xxx | xxx | .0158 | 94.0 | 0.06 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | xxx |
| 13408104 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 18.9 | 80.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1.3 | xxx |
| 10011126 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 13.51 | 74.53 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 16935907 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 37.27 | 67.83 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 15615295 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 15.87 | 62.34 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1 | xxx |
| 12789366 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 10.16 | 59.87 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 18391738 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 46.43 | 63.29 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16846481 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 17.27 | 53.22 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16972789 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 30.77 | 63.38 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15868410 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 14.86 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16663523 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 20.54 | 59.79 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14939914 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 27.5 | 74.55 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14728187 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1025 Small Residential Income Report | xxx | 15.38 | 69.23 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12104266 |  |  | xxx | xxx |  | 0 | xxx | xxx | AVM | xxx | 15.58 | 43.16 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 97 | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19191399 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 20.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13775572 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1025 Small Residential Income Report | xxx | 12.92 | 69.76 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12638704 | xxx |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 24.58 | 64.99 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | xxx |
| 17517520 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 28.57 | 48.77 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10259565 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 13.39 | 62.59 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17638644 |  |  | xxx | xxx |  | 0 | xxx | xxx | AVM | xxx | 23.36 | 64.36 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 90 | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19940872 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 28.76 | 87.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13106689 |  |  | xxx | xxx |  | 0 | xxx | xxx | AVM | xxx | 15.8 | 69.54 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 89 | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19951764 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 31.03 | 76.01 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19953206 | xxx |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 18.09 | 72.97 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 11961054 | xxx |  | xxx | xxx |  | 0 | xxx | xxx | AVM | xxx | 11.48 | 52.89 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 91 | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17325090 |  |  | xxx | xxx |  | 0 | xxx | xxx | AVM | xxx | 24.6 | 62.87 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 92 | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15118812 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 25.34 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13007884 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 22.84 | 74.31 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 14965981 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 17.7 | 56.15 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx |
| 13132572 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 14.11 | 68.92 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 17548664 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 28.29 | 89.95 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1.4 | xxx |
| 10270772 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 22.28 | 68.99 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1.6 | xxx |
| 18787458 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 9.06 | 58.42 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 2.1 | xxx |
| 19945246 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 22.73 | 78.23 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1.5 | xxx |
| 13394789 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 28.57 | 79.61 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13173260 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 15.48 | 90.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 1 | xxx |
| 18360023 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 24.01 | 79.88 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15889650 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | 11.24 | 49.39 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11595053 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 35.38 | 89.54 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | xxx |
| 11110075 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 12.2 | 23.55 | xxx | xxx | .0415 | AVM |  |  |  |  |  |  |  |  |  | xxx | xxx | .0415 | 92.0 | 0.08 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12688657 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 27.27 | 73.18 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12992414 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 11.66 | 58.46 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx |
| 15624172 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 17.02 | 55.93 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11724698 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | 12.2 | 72.3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19914947 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 15.0 | 55.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14287985 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 32.73 | 79.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15897086 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 23.82 | 51.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15086947 | xxx |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 43.64 | 74.98 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | xxx |
| 14462494 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | 10.0 | 69.83 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12807743 | xxx |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 32.89 | 54.59 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13800976 | xxx |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 26.72 | 79.04 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 1.4 | xxx |
| 18845825 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 28.88 | 60.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16922551 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | 26.35 | 74.94 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14699114 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | 7.55 | 50.18 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18268153 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 13.85 | 71.28 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 11495947 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 12.94 | 60.8 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx |
| 17459566 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 16.46 | 67.81 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1 | xxx |
| 18766840 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 17.59 | 74.96 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 15084998 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 27.57 | 78.47 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 2.4 | xxx |
| 12954890 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 14.97 | 50.88 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 13516531 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 17.07 | 64.34 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1 | xxx |
| 14068525 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 25.9 | 74.75 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1.2 | xxx |
| 15167123 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 36.39 | 85.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1 | xxx |
| 17898707 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 15.36 | 63.02 | xxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible |  |  |
| 15460108 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 9.52 | 54.95 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | xxx |
| 14602549 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 29.45 | 89.87 | xxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible |  |  |
| 12686390 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 23.09 | 79.69 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 19415071 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 38.01 | 79.63 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 12754081 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 20.47 | 87.3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15390382 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 27.37 | 80.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | LOW RISK | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18230187 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | 15.87 | 64.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15176381 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 26.68 | 49.45 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19100207 |  |  | xxx | xxx |  | 0 | xxx | xxx | AVM | xxx | 27.87 | 56.72 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 92 | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx |  |  |  |  |  |  |  |  |  |  |
| 18392671 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 21.76 | 69.97 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17859165 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 12.32 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13425662 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 36.27 | 64.67 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18026048 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | 28.44 | 48.96 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 14535032 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 34.51 | 73.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19625167 |  |  | xxx | xxx |  | 0 | xxx | xxx | AVM | xxx | 37.17 | 74.96 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 96 | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11088525 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 13.33 | 65.92 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17755000 |  |  | xxx | xxx |  | 0 | xxx | xxx | AVM | xxx | 12.3 | 22.67 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 88 | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12961891 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 18.2 | 74.93 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18300381 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 16.06 | 43.57 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14859547 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | 20.0 | 53.54 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19918814 |  |  | xxx | xxx |  | 0 | xxx | xxx | AVM | xxx | 15.3 | 79.48 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 92 | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx |  |  |  |  |  |  |  |  |  |  |
| 10854881 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 18.05 | 67.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13115908 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 20.0 | 74.87 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17003174 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 21.98 | 74.73 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15690544 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 24.29 | 79.74 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |

---

## Exhibit 99.1

[VISTA POINT ASSETS LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.1 - Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 78 | 79 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 110 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 159 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 | 214 | 215 | 216 | 217 | 218 | 219 | 220 | 221 | 222 | 223 | 224 | 225 | 226 | 227 | 228 | 229 | 230 | 231 | 232 |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Default Interest Rate** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Borrower Months of Paystubs Verified** | **Co Borrower Months of Paystubs Verified** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Borrower Award/Offer Letter** | **Co Borrower Award/Offer Letter** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **Borrower CPA Letter Flag** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower WVOE Flag** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower WVOE Flag** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Updated Credit Report Date** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Most Recent Updated Co Borrower 2 FICO** | **Most Recent Updated Co Borrower 3 FICO** | **Most Recent Bankruptcy 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** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **Appraiser License #** | **Appraiser First Name** | **Appraisal Last Name** |
| 14171325 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.730% |  | No AUS | No | 10.743% |  | 10.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.29% | 49.29% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 0 |  | 1 Month |  | N/A | 0 |  |  | 2 | 2 |  |  | 3 | 3 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 1 | 1 | Other |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, SESCorp - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified, 1040 Schedule E Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified, 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 0.28 | No | 69.2 | N/A | xxx | xxx | xxx |
| 18726232 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.880% |  | No AUS | No | 8.915% |  | 8.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 4.44% | 4.44% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 38.62 | No | 48.93 | N/A | xxx | xxx | xxx |
| 17867064 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.800% |  | No AUS | No | 10.764% |  | 10.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 46.17% | 46.17% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 27 | 27 | Work Number | Yes | 310 | 27 | Work Number | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - Written VOE Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage, Overtime and Bonus - Written VOE Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS IRS Transcripts Verified \|\| Co Borrower - 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 2.04 | No | 80 | N/A | xxx | xxx | xxx |
| 19758469 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.150% |  | No AUS | No | 9.899% |  | 8.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 47.70% | 47.70% | No | No |  |  |  |  |  |  | Retired | Retired |  |  |  |  | 1YR Full Doc | 1 | 1 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | Yes | Yes | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Retirement, SSI and Disability, Other, Other REO Net Rental Income(Loss) - 1 YR W2 1099 Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - 2024 \|\| Co Borrower - SSI and Disability, Retirement - 1 YR W2 1099 Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - 2024 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024 \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 18.82 | No | 39.39 | N/A | xxx | xxx | xxx |
| 17492147 | xxx |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.800% |  | No AUS | No | 10.550% |  | 10.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 35.84% | 35.84% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 1YR Full Doc | 1 | 1 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 24.68 | No | 54.78 | Yes | xxx | xxx | xxx |
| 14184869 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 37.78% | 37.78% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 37.04 | No | 69.42 | N/A | xxx | xxx | xxx |
| 15991990 | xxx |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.810% |  | No AUS | No | 10.232% |  | 9.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.99% | 42.99% | No |  |  |  |  |  |  |  | Retired |  |  |  |  |  | 1YR Full Doc | 1 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | Yes |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Retirement, SSI and Disability, Subject Property Net Rental Income(Loss) if NOO - 1 YR W2 1099 Verified, Award Letter Verified, 1040 Schedule E Verified | Borrower - 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 35.35 | No | 56.09 | N/A | xxx | xxx | xxx |
| 12741512 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 11.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 39.52% | 39.52% | Yes | Yes |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | 2YR Full Doc | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | Yes | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Wage, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Military and Government Assistance - 3 YRS Executed 4506T Verified, Award Letter Verified - 2024 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 14.3 | No | 80 | N/A | xxx | xxx | xxx |
| 13306321 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.870% |  | No AUS | No | 9.691% |  | 9.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 19.55% | 19.55% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 99.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Passport |  | xxx | United States | xxx | United states of America | xxx | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 27.01 | No | 75 | Yes | xxx | xxx | xxx |
| 11530464 | xxx |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.870% |  | No AUS | No | 11.878% |  | 11.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 27.49% | 27.49% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 192 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 26.06 | No | 85 | N/A | xxx | xxx | xxx |
| 11232955 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.880% |  | No AUS | No | 9.901% |  | 9.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 44.77% | 44.77% | No | No |  |  |  |  |  |  | Retired | Retired |  |  |  |  | Full Documentation | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | Yes | Yes | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Other - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified \|\| Co Borrower - Other - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 5.79 | No | 72.28 | Yes | xxx | xxx | xxx |
| 14835215 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.810% |  | No AUS | No | 13.250% |  | 12.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.81% | 49.81% | No | No | 1 |  | 5 |  | 3 |  | Self-Employed | Self-Employed | Retired |  | .00 |  | 2YR Full Doc | 1 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 100.00% |  | Audited | 15 | CPA | Audited | CPA | 15 | Yes | 15 | Yes | 15 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Overtime and Bonus, SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified \|\| Co Borrower - SESoleProprietor, SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified \|\| Co Borrower 2 - SSI and Disability, Retirement - 3 YRS Executed 4506T Verified, Award Letter Verified | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower 2 - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 9.37 | No | 84.97 | N/A | xxx | xxx | xxx |
| 15256021 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 39.15% | 39.15% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 28 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 75.23 | No | 49.08 | N/A | xxx | xxx | xxx |
| 16619544 | xxx |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.920% |  | No AUS | No | 10.344% |  | 9.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 28.87% | 28.87% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 50 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 0.22 | No | 66.55 | N/A | xxx | xxx | xxx |
| 13344325 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.740% |  | No AUS | No | 10.663% |  | 10.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.69% | 49.69% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 2 | 2 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Borrower Prepared | 5 | Borrower |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp, Wage, SSI and Disability, Subject Property Net Rental Income(Loss) if NOO - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, YTD Profit And Loss Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 11.86 | xxx | 25.48 | No | 80 | N/A | xxx | xxx | xxx |
| 16325717 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.800% |  | No AUS | No | 10.963% |  | 10.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 33.87% | 33.87% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 50.00% | 50.00% |  | Audited | 12 | CPA | Audited | CPA | 12 | Yes | 120 | Yes | 120 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SEPartnership, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified \|\| Co Borrower - SEPartnership - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 43.61 | No | 68.82 | N/A | xxx | xxx | xxx |
| 18455502 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.740% |  | No AUS | No | 8.621% |  | 8.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 30.16% | 30.16% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 44.01 | No | 63.88 | N/A | xxx | xxx | xxx |
| 12694401 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.800% |  | No AUS | No | 11.618% |  | 10.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 45.92% | 45.92% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 2 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 29 | 29 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1040 Schedule E Verified | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 8.76 | No | 80 | N/A | xxx | xxx | xxx |
| 17237631 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.870% |  | No AUS | No | 9.364% |  | 8.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 28.14% | 28.14% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 197 | 28 | Work Number | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2025 | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2025 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 18.15 | No | 59.18 | N/A | xxx | xxx | xxx |
| 13848915 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.810% |  | No AUS | No | 11.432% |  | 11.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 44.64% | 44.64% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 53 | 22 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Commission - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 9.03 | No | 66.47 | N/A | xxx | xxx | xxx |
| 14489119 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.320% |  | No AUS | No | 11.131% |  | 10.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 35.94% | 35.94% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 27 | 27 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 18.71 | No | 62.01 | N/A | xxx | xxx | xxx |
| 16995754 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.160% |  | No AUS | No | 11.145% |  | 10.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 42.91% | 42.91% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 60 | 35 | Work Number | Yes | 25 | 11 | Work Number | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 13.42 | No | 68.77 | N/A | xxx | xxx | xxx |
| 12227200 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | Yes | No | N/A | Appendix Q Documentation | xxx | xxx | 6.380% |  | No AUS | No | 11.998% |  | 11.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.78% | 40.78% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 360 | 27 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, SSI and Disability - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 26.99 | No | 74.8 | N/A | xxx | xxx | xxx |
| 12586592 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.800% |  | No AUS | No | 11.784% |  | 11.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 38.63% | 38.63% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 25.21 | No | 89.65 | N/A | xxx | xxx | xxx |
| 18356179 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.700% |  | No AUS | No | 10.442% |  | 10.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 48.52% | 48.52% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 135 | 135 | Work Number | Yes | 66 | 27 | FNMA 1005 | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 18.58 | No | 75.36 | N/A | xxx | xxx | xxx |
| 12940047 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.870% |  | No AUS | No | 8.524% |  | 8.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 25.87% | 25.87% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 21.78 | No | 74.99 | Yes | xxx | xxx | xxx |
| 11572903 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.880% |  | No AUS | No | 11.687% |  | 11.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 31.99% | 31.99% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 7.46 | No | 89.98 | N/A | xxx | xxx | xxx |
| 18857653 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.180% |  | No AUS | No | 10.005% |  | 9.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 36.30% | 36.30% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 237 | 28 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 13.18 | No | 26.21 | N/A | xxx | xxx | xxx |
| 17158231 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.740% |  | No AUS | No | 11.442% |  | 10.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.27% | 40.27% | No | No |  |  |  |  |  |  | Not Employed | Not Employed |  |  |  |  | 2YR Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | Yes | Yes | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Other - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - 2025 \|\| Co Borrower - SSI and Disability - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 2.11 | No | 62.5 | N/A | xxx | xxx | xxx |
| 10178189 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.740% |  | No AUS | No | 10.580% |  | 10.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.78% | 42.78% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 7.13 | No | 66.59 | N/A | xxx | xxx | xxx |
| 16916556 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.880% |  | No AUS | No | 10.238% |  | 9.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.12% | 40.12% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 114 | 114 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Commission - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 21.37 | No | 73.16 | N/A | xxx | xxx | xxx |
| 19522338 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.800% |  | No AUS | No | 9.123% |  | 8.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 35.27% | 35.27% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 45 | 28 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 17.42 | No | 28.15 | N/A | xxx | xxx | xxx |
| 12337354 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.740% |  | No AUS | No | 10.605% |  | 10.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 43.93% | 43.93% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 6.63 | No | 49.44 | N/A | xxx | xxx | xxx |
| 16269685 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.870% |  | No AUS | No | 9.658% |  | 9.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.58% | 40.58% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation - 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 18.33 | No | 63.83 | N/A | xxx | xxx | xxx |
| 11479008 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.930% |  | No AUS | No | 10.889% |  | 10.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 36.75% | 36.75% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 50.58 | No | 64.5 | N/A | xxx | xxx | xxx |
| 13815189 | xxx |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.880% |  | No AUS | No | 10.051% |  | 9.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 48.19% | 48.19% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 2 | 2 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, CPA Letter Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 57.54 | No | 74.51 | N/A | xxx | xxx | xxx |
| 11755675 | xxx |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.740% |  | No AUS | No | 10.601% |  | 10.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 45.09% | 45.09% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | 2+ Months |  | N/A | 0 |  |  | 1 | 0 |  |  | 0 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 167 | 28 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Commission, Subject Property Net Rental Income(Loss) if NOO - 1 YR Personal Tax Returns Verified, 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 1 YR IRS Transcripts Verified - 2024 | Borrower - 1 YR Personal Tax Returns Verified, 1 YR IRS Transcripts Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 35.75 | No | 78.36 | N/A | xxx | xxx | xxx |
| 11495135 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 11.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.058 | 1.07 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 44.55 | No | 64.97 | N/A | xxx | xxx | xxx |
| 18271926 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.930% |  | No AUS | No | 9.965% |  | 9.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  |  |  |  | 0.00% | 21.36% | 21.36% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | Missing | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - Missing CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 21.77 | No | 77.59 | N/A | xxx | xxx | xxx |
| 18281001 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.870% |  | No AUS | No | 10.063% |  | 9.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 13.58% | 13.58% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 96 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Resident Alien |  | Other | USA Patriot Act | xxx | United States | xxx |  |  | I-151 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 24.31 | No | 79.74 | N/A | xxx | xxx | xxx |
| 17593235 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.880% |  | No AUS | No | 12.442% |  | 11.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 42.90% | 42.90% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | Less than 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 87 | 68 | FNMA 1005 | Yes | 43 | 6 | FNMA 1005 | No | 0 |  | Yes | Borrower - Wage - 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 15.06 | No | 88.73 | N/A | xxx | xxx | xxx |
| 16987166 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.800% |  | No AUS | No | 9.714% |  | 9.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 44.29% | 44.29% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Other - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 0 | No | 59.08 | N/A | xxx | xxx | xxx |
| 10076506 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.010% |  | No AUS | No | 9.060% |  | 8.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 25.59% | 25.59% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 11.78 | No | 46.19 | N/A | xxx | xxx | xxx |
| 13216888 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.45% | 49.45% | Yes | Yes |  |  |  |  |  |  | Employed | Retired |  |  |  |  | 1YR Full Doc | 0 | 1 | NA | NA | N/A | 0 | N/A | 0 | 1 | 0 | 1 | 1 | 3 | 2 | NA | Yes | No | No | 84 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 50.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 47 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Asset Depletion, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, CPA Letter Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified \|\| Co Borrower - SSI and Disability - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, 1 YR W2 1099 Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified | Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | Permanent Resident Alien | Permanent Resident Alien | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 50.02 | No | 59.27 | N/A | xxx | xxx | xxx |
| 14978021 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.21% | 43.21% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 100.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 14.14 | No | 74.77 | N/A | xxx | xxx | xxx |
| 18327443 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.800% |  | No AUS | No | 9.968% |  | 9.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 38.00% | 38.00% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 1YR Full Doc | 1 | 1 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower - Wage - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 9.02 | No | 68.68 | N/A | xxx | xxx | xxx |
| 11931548 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 8.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.298 | 1.298 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 50.23 | No | 46.15 | N/A | xxx | xxx | xxx |
| 13239946 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.800% |  | No AUS | No | 9.145% |  | 8.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.27% | 40.27% | No | No |  |  |  |  |  |  | Self-Employed | Unknown |  |  |  |  | 24 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 24 | No | N/A | 0 | 0 | 100.00% | 50.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified \|\| Co Borrower | Borrower \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 33.17 | No | 79.98 | N/A | xxx | xxx | xxx |
| 15779399 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.920% |  | No AUS | No | 8.890% |  | 8.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 33.90% | 33.90% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 281 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 10.03 | No | 73.31 | N/A | xxx | xxx | xxx |
| 18195928 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.920% |  | No AUS | No | 11.285% |  | 10.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 38.37% | 38.37% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 27.91 | No | 72.47 | N/A | xxx | xxx | xxx |
| 10504596 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.740% |  | No AUS | No | 11.471% |  | 10.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 37.18% | 37.18% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 10.08 | No | 89.84 | N/A | xxx | xxx | xxx |
| 18750923 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.880% |  | No AUS | No | 9.934% |  | 9.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 48.89% | 48.89% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 45 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 25.68 | No | 68.86 | N/A | xxx | xxx | xxx |
| 18231623 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 10.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.005 | 1 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 33 | No | 70.58 | N/A | xxx | xxx | xxx |
| 18592738 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.920% |  | No AUS | No | 10.652% |  | 10.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.33% | 41.33% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Other | USA Patriot Act | xxx | Mexico | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 7.92 | No | 77.58 | N/A | xxx | xxx | xxx |
| 10678260 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.620% |  | No AUS | No | 11.033% |  | 10.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 45.64% | 45.64% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.10% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 276 | 276 | Work Number | Yes | 6 | 6 | FNMA 1005 | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 0.78 | No | 63.28 | N/A | xxx | xxx | xxx |
| 10384925 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.920% |  | No AUS | No | 12.879% |  | 12.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 26.14% | 26.14% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 49.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 24.42 | No | 77.76 | N/A | xxx | xxx | xxx |
| 16562216 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.740% |  | No AUS | No | 8.554% |  | 8.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 40.87% | 40.87% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 2 |  |  | 1 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 2 | No |  |  |  | 0.00% | 100.00% |  |  | Borrower Prepared | 3 | Borrower |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, SESCorp - 2 YRS Business Tax Returns Verified, YTD Profit And Loss Verified, Balance Sheet Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 1 YR Executed 4506T Verified, Business Bank Statements Verified | Borrower - 2 YRS Business Tax Returns Verified, 1 YR Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 42.27 | No | 50 | N/A | xxx | xxx | xxx |
| 12302093 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.930% |  | No AUS | No | 11.390% |  | 11.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 22.96% | 22.96% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 2 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 45 | No | 75 | N/A | xxx | xxx | xxx |
| 10976841 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.257 | 1.25 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 6.95 | No | 59.87 | N/A | xxx | xxx | xxx |
| 15241669 | xxx |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.740% |  | No AUS | No | 12.372% |  | 11.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 42.31% | 42.31% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 8.67 | No | 76.57 | N/A | xxx | xxx | xxx |
| 14049057 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.880% |  | No AUS | No | 10.218% |  | 9.990% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 38.36% | 38.36% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 16.07 | No | 77.87 | N/A | xxx | xxx | xxx |
| 11081072 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.003 | 1.002 |  | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 52.5 | No | 52.78 | N/A | xxx | xxx | xxx |
| 14909275 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.920% |  | No AUS | No | 12.436% |  | 11.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 45.14% | 45.14% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 180 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Personal Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7 | xxx | xxx | 1 | 64 |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 28.1 | No | 84.87 | N/A | xxx | xxx | xxx |
| 19986076 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.930% |  | No AUS | No | 9.701% |  | 9.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 32.25% | 32.25% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 50.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 73 | Yes | 73 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership, SEPartnership, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified \|\| Co Borrower - CPA Letter Verified, Business Bank Statements Verified | Borrower \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 31.15 | No | 74.56 | N/A | xxx | xxx | xxx |
| 12154897 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.920% |  | No AUS | No | 8.954% |  | 8.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.86% | 40.86% | No | No |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | Yes | Yes | 12 | 0 | 100.00% |  | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | Yes | 12 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Personal Bank Statements Verified | Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 36.54 | No | 68.15 | N/A | xxx | xxx | xxx |
| 10866364 | xxx |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.740% |  | No AUS | No | 12.177% |  | 11.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 41.60% | 41.60% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, SESoleProprietor - Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 14.62 | No | 84.91 | N/A | xxx | xxx | xxx |
| 11609150 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.800% |  | No AUS | No | 10.768% |  | 10.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 45.85% | 45.85% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 61.75 | No | 55.86 | N/A | xxx | xxx | xxx |
| 19910559 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.920% |  | No AUS | No | 10.887% |  | 10.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 46.14% | 46.14% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 0 | 2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | Yes | 0 | 0 | 65.29% | 51.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 9.45 | No | 69.47 | N/A | xxx | xxx | xxx |
| 10758404 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.920% |  | No AUS | No | 11.148% |  | 10.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 6.32% | 6.32% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 84 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESCorp - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 9.14 | No | 64.06 | N/A | xxx | xxx | xxx |
| 16433253 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.880% |  | No AUS | No | 9.935% |  | 9.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 47.74% | 47.74% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 17.96 | No | 66.21 | N/A | xxx | xxx | xxx |
| 14351198 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 8.99% | 8.99% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 50.00% | 50.00% |  | Audited | 12 | Tax Preparer | Audited | Tax Preparer | 12 | Yes | 24 | Yes | 24 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, Lease Agreements Verified \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, Lease Agreements Verified | Borrower \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 38.89 | No | 64.42 | N/A | xxx | xxx | xxx |
| 16809433 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.880% |  | No AUS | No | 10.797% |  | 10.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.60% | 42.60% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 168 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 48.63 | No | 61.94 | N/A | xxx | xxx | xxx |
| 18185116 | xxx |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.920% |  | No AUS | No | 10.198% |  | 9.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 48.90% | 48.90% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 0 | 2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | Yes | 0 | 0 | 55.02% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified | Borrower \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 3.00 | xxx | 7.16 | No | 80 | N/A | xxx | xxx | xxx |
| 16769184 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.800% |  | No AUS | No | 11.744% |  | 11.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.33% | 41.33% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 0 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 31 | 28 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 21.34 | No | 74.58 | N/A | xxx | xxx | xxx |
| 16184991 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.800% |  | No AUS | No | 9.530% |  | 9.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 17.72% | 17.72% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 0 |  | Less than 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 3 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 207 | 28 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Commission - Less than 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 20.29 | No | 46.5 | N/A | xxx | xxx | xxx |
| 17494903 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.870% |  | No AUS | No | 13.297% |  | 12.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.31% | 43.31% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 4 | 4 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 10.87 | No | 82.48 | N/A | xxx | xxx | xxx |
| 11597689 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.930% |  | No AUS | No | 11.887% |  | 11.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.49% | 42.49% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 176 | 29 | FNMA 1005 |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 21 | No | 78.79 | N/A | xxx | xxx | xxx |
| 12277914 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.880% |  | No AUS | No | 10.131% |  | 9.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 41.35% | 41.35% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 80 | 29 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 23.64 | No | 78.98 | N/A | xxx | xxx | xxx |
| 11577327 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.160% |  | No AUS | No | 11.104% |  | 10.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.15% | 41.15% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 14.75 | No | 66.09 | N/A | xxx | xxx | xxx |
| 13594640 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.800% |  | No AUS | No | 12.387% |  | 11.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 32.83% | 32.83% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 3.47 | No | 73.64 | N/A | xxx | xxx | xxx |
| 13342955 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.880% |  | No AUS | No | 9.040% |  | 8.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 27.54% | 27.54% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 34 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 32.88 | No | 70.75 | N/A | xxx | xxx | xxx |
| 17464497 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.880% |  | No AUS | No | 12.496% |  | 12.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.39% | 40.39% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | Less than 1 Month | Less than 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 76 | 27 | Work Number | Yes | 113 | 15 | Work Number | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage, Wage - 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 7.04 | No | 80 | N/A | xxx | xxx | xxx |
| 15609436 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.800% |  | No AUS | No | 10.212% |  | 9.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.22% | 40.22% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, SESoleProprietor - Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 39.05 | No | 79.6 | N/A | xxx | xxx | xxx |
| 15209155 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.920% |  | No AUS | No | 10.045% |  | 9.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 49.07% | 49.07% | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | 2YR Full Doc | 2 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 51 | 29 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 3.4 | No | 57.68 | N/A | xxx | xxx | xxx |
| 12911272 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.740% |  | No AUS | No | 9.208% |  | 8.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.59% | 49.59% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 127 | 28 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 16.58 | xxx | 39.27 | No | 41.86 | N/A | xxx | xxx | xxx |
| 16889364 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.920% |  | No AUS | No | 11.418% |  | 10.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.14% | 42.14% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 2 | 0 |  |  | 3 | 2 | Yes |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Child Support, Child Support, SSI and Disability - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 15.88 | No | 65.78 | N/A | xxx | xxx | xxx |
| 10854999 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.340% |  | No AUS | No | 12.769% |  | 12.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 34.68% | 34.68% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 4.67 | No | 76.37 | N/A | xxx | xxx | xxx |
| 17620988 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.880% |  | No AUS | No | 11.415% |  | 10.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.87% | 44.87% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 30 | 28 | Other | Yes | 288 | 28 | Work Number | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 2.33 | No | 74.73 | N/A | xxx | xxx | xxx |
| 16879590 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.930% |  | No AUS | No | 13.545% |  | 12.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 40.25% | 40.25% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 108 | 27 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 16.15 | No | 81.85 | N/A | xxx | xxx | xxx |
| 12906682 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.880% |  | No AUS | No | 11.021% |  | 10.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 45.66% | 45.66% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 327 | 28 | Other |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 18.94 | No | 83.28 | N/A | xxx | xxx | xxx |
| 18994403 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.002 | 1.001 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 37.39 | No | 69.41 | N/A | xxx | xxx | xxx |
| 13501851 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.920% |  | No AUS | No | 9.597% |  | 9.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 43.16% | 43.16% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 100.00% |  | Audited | 12 | CPA | Audited | CPA | 12 | Yes | 24 | Yes | 24 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 1.43 | No | 69.71 | N/A | xxx | xxx | xxx |
| 17157441 | xxx |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.930% |  | No AUS | No | 8.986% |  | 8.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.67% | 49.67% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 63 | 29 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, SSI and Disability - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 34.99 | No | 26.85 | N/A | xxx | xxx | xxx |
| 12238385 | xxx |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.920% |  | No AUS | No | 10.996% |  | 10.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.29% | 49.29% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 1 | 0 | 1 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 127 | 28 | Work Number | Yes | 127 | 28 | Work Number | No | 0 |  | N/A | Borrower - Wage - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 2.17 | xxx | 11.41 | No | 68.88 | N/A | xxx | xxx | xxx |
| 15467566 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.920% |  | No AUS | No | 9.752% |  | 9.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.99% | 49.99% | No | No |  |  |  |  |  |  | Retired | Retired |  |  |  |  | 1YR Full Doc | 1 | 1 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Retirement, SSI and Disability, Other REO Net Rental Income(Loss) - 1 YR W2 1099 Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - SSI and Disability, Retirement - 1 YR W2 1099 Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 55.46 | No | 84.98 | N/A | xxx | xxx | xxx |
| 13979881 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.870% |  | No AUS | No | 8.654% |  | 8.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 31.42% | 31.42% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 50.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified \|\| Co Borrower - SESoleProprietor - Business Bank Statements Verified | Borrower \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 45.16 | No | 59.73 | N/A | xxx | xxx | xxx |
| 11929093 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.792 | 1.792 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 41.58 | No | 27.03 | N/A | xxx | xxx | xxx |
| 18056466 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.870% |  | No AUS | No | 8.255% |  | 8.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 32.49% | 32.49% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | N/A | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 46.11 | No | 68.53 | N/A | xxx | xxx | xxx |
| 19767006 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.920% |  | No AUS | No | 10.668% |  | 10.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.29% | 44.29% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 82 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 33.51 | No | 74.12 | N/A | xxx | xxx | xxx |
| 10017393 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.920% |  | No AUS | No | 11.707% |  | 11.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 39.07% | 39.07% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 17.97 | No | 63.98 | N/A | xxx | xxx | xxx |
| 11359644 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.740% |  | No AUS | No | 12.209% |  | 11.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 41.92% | 41.92% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 106 | 28 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Commission - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 36.05 | xxx | 53.86 | No | 78.57 | N/A | xxx | xxx | xxx |
| 17810787 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.740% |  | No AUS | No | 10.858% |  | 10.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.76% | 44.76% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 324 | 28 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 10.44 | No | 65.83 | N/A | xxx | xxx | xxx |
| 15903693 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.870% |  | No AUS | No | 12.548% |  | 11.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.20% | 42.20% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 96 | 29 | FNMA 1005 | Yes | 25 | 25 | FNMA 1005 | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 8.26 | No | 16.82 | N/A | xxx | xxx | xxx |
| 13635780 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.740% |  | No AUS | No | 10.599% |  | 10.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.49% | 41.49% | No | No |  |  |  |  |  |  | Self-Employed | Retired |  |  |  |  | 2YR Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 2 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor - 2 YRS Personal Tax Returns Verified \|\| Co Borrower - Retirement | Borrower - 2 YRS Personal Tax Returns Verified \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 4.69 | No | 64.93 | N/A | xxx | xxx | xxx |
| 11616953 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.870% |  | No AUS | No | 11.575% |  | 11.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 29.83% | 29.83% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 20.3 | No | 74.57 | N/A | xxx | xxx | xxx |
| 19584360 | xxx |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.880% |  | No AUS | No | 10.261% |  | 10.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 39.42% | 39.42% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Lease Agreements Verified, 1040 Schedule E Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 0 | No | 76.43 | N/A | xxx | xxx | xxx |
| 18663924 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.870% |  | No AUS | No | 11.535% |  | 11.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 39.30% | 39.30% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 8.05 | No | 79.99 | N/A | xxx | xxx | xxx |
| 18956064 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.920% |  | No AUS | No | 8.817% |  | 8.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.36% | 42.36% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 2YR Full Doc | 0 | 2 | NA | 2+ Months | N/A | 0 | N/A | 0 | 2 | 0 | 2 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 0.00% |  | Borrower Prepared | 12 | Borrower | N/A | N/A | 0 | Yes | 24 | Yes | 24 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor - 2 YRS Personal Tax Returns Verified, CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS Personal Tax Returns Verified, CPA Letter Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 16.63 | No | 47.08 | N/A | xxx | xxx | xxx |
| 19312108 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.800% |  | No AUS | No | 10.944% |  | 10.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 25.54% | 25.54% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 121 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 39.23 | No | 55 | N/A | xxx | xxx | xxx |
| 15036459 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.930% |  | No AUS | No | 9.622% |  | 9.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 49.46% | 49.46% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 3 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 40 | 40 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Other - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 0.58 | No | 59.39 | N/A | xxx | xxx | xxx |
| 18589962 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 10.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 11.50% | 11.50% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 24.23 | No | 78.31 | N/A | xxx | xxx | xxx |
| 13843680 | xxx |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.930% |  | No AUS | No | 10.330% |  | 9.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.17% | 44.17% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 17.9 | No | 59.44 | N/A | xxx | xxx | xxx |
| 13844162 | xxx |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.880% |  | No AUS | No | 9.813% |  | 9.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.82% | 49.82% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 2 | 0 |  |  | 2 | 3 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 36 | 26 | Other |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified, Lease Agreements Verified, 1040 Schedule E Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified, 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Non Permanent Resident Alien | Non-Permanent Resident Alien |  | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | Work Visa |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 50.68 | No | 73.93 | N/A | xxx | xxx | xxx |
| 14654936 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 11.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.025 | 1 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 42.03 | No | 64.49 | N/A | xxx | xxx | xxx |
| 18057525 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.920% |  | No AUS | No | 10.641% |  | 10.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.03% | 42.03% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 1 | 1 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | Yes | 0 | 0 | 68.96% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 84 | No | 0 | Yes | 66 | 28 | FNMA 1005 | Yes | 70 | 28 | FNMA 1005 | No | 0 |  | N/A | Borrower - SESoleProprietor, Wage, Other REO Net Rental Income(Loss) - CPA Letter Verified, 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified \|\| Co Borrower - Wage, Overtime and Bonus - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified | Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 6.41 | No | 67.95 | N/A | xxx | xxx | xxx |
| 13982030 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.920% |  | No AUS | No | 8.707% |  | 8.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 28.54% | 28.54% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 50.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 240 | Yes | 240 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership - CPA Letter Verified, Business Bank Statements Verified \|\| Co Borrower - SEPartnership - CPA Letter Verified, Business Bank Statements Verified | Borrower \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 44.46 | No | 34.22 | N/A | xxx | xxx | xxx |
| 10098195 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.930% |  | No AUS | No | 12.382% |  | 11.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.22% | 44.22% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 1 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Borrower Prepared | 4 | Borrower |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation - 1 YR Personal Tax Returns Verified, YTD Profit And Loss Verified, 1 YR Executed 4506T Verified - 2024 | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Executed 4506T Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | I-151 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 16.86 | No | 84.74 | N/A | xxx | xxx | xxx |
| 18199119 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.880% |  | No AUS | No | 8.840% |  | 8.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.43% | 44.43% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 48.65 | No | 68.42 | N/A | xxx | xxx | xxx |
| 12159499 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.920% |  | No AUS | No | 9.075% |  | 8.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 36.05% | 36.05% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 19.08 | No | 29.63 | N/A | xxx | xxx | xxx |
| 12892944 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 23.34% | 23.34% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 108 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 44.27 | No | 69.72 | N/A | xxx | xxx | xxx |
| 10631382 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.930% |  | No AUS | No | 12.421% |  | 12.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 45.91% | 45.91% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Lease Agreements Verified, 1040 Schedule E Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .88 | xxx | 0.88 | No | 79.9 | N/A | xxx | xxx | xxx |
| 16332592 | xxx |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.920% |  | No AUS | No | 9.429% |  | 9.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.07% | 43.07% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 1 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, Lease Agreements Verified, 1040 Schedule E Verified | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 0 | No | 74.33 | N/A | xxx | xxx | xxx |
| 18529546 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 35.96% | 35.96% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 72 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation, SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified, Lease Agreements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 49.58 | No | 67.15 | N/A | xxx | xxx | xxx |
| 18621654 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.880% |  | No AUS | No | 11.097% |  | 10.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.02% | 43.02% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 29.42 | No | 78.35 | N/A | xxx | xxx | xxx |
| 11113384 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.920% |  | No AUS | No | 9.337% |  | 9.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 38.78% | 38.78% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | Audited | 12 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 18.2 | No | 62.34 | Yes | xxx | xxx | xxx |
| 18862532 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.870% |  | No AUS | No | 8.929% |  | 8.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 29.40% | 29.40% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 0 | No | 57.05 | N/A | xxx | xxx | xxx |
| 14806583 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.920% |  | No AUS | No | 9.436% |  | 9.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.15% | 40.15% | Yes | Yes |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 1YR Full Doc | 1 | 1 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 1 | NA | NA | No | No | 84 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Asset Depletion, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower - Wage - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, 1 YR IRS Transcripts Verified | Borrower - 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower - 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 78.25 | No | 54.96 | N/A | xxx | xxx | xxx |
| 10241077 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.23 | 1.23 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | .00 | .00 | xxx | 14.76 | No | 75 | N/A | xxx | xxx | xxx |
| 13633453 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.920% |  | No AUS | No | 12.337% |  | 11.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 39.60% | 39.60% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 14.13 | No | 90 | N/A | xxx | xxx | xxx |
| 16629383 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.870% |  | No AUS | No | 9.327% |  | 8.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 38.45% | 38.45% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | Yes |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Other - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, Award Letter Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 17.6 | No | 65.17 | N/A | xxx | xxx | xxx |
| 18377966 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.740% |  | No AUS | No | 9.887% |  | 9.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 40.36% | 40.36% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 79 | 29 | Work Number | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 43.7 | No | 63.08 | N/A | xxx | xxx | xxx |
| 14640133 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.870% |  | No AUS | No | 10.588% |  | 10.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.48% | 41.48% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 3 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 40 | 29 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - Written VOE Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 8.09 | No | 75 | N/A | xxx | xxx | xxx |
| 11646342 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.930% |  | No AUS | No | 10.928% |  | 10.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 32.29% | 32.29% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Documentation | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 286 | 28 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 43.49 | No | 89.84 | N/A | xxx | xxx | xxx |
| 10587192 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.930% |  | No AUS | No | 9.703% |  | 9.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.30% | 44.30% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 65 | 29 | FNMA 1005 | Yes | 174 | 28 | FNMA 1005 | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 13.33 | No | 70 | N/A | xxx | xxx | xxx |
| 15301499 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.740% |  | No AUS | No | 10.345% |  | 9.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.10% | 41.10% | No |  |  |  |  |  |  |  | Retired |  |  |  |  |  | 1YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 1 | 0 |  |  | 3 | 1 | Yes |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SSI and Disability - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Award Letter Verified - 2024 | Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 15.93 | No | 65.56 | N/A | xxx | xxx | xxx |
| 12719007 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.810% |  | No AUS | No | 10.264% |  | 9.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 38.44% | 38.44% | No |  |  |  |  |  |  |  | Retired |  |  |  |  |  | Full Documentation | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 1 | Yes |  | No | No | 0 | No | Yes | Yes | 1 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SSI and Disability, Other, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Award Letter Verified, Personal Bank Statements Verified - 2024 | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 15.18 | No | 69.43 | N/A | xxx | xxx | xxx |
| 16284348 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.920% |  | No AUS | No | 9.398% |  | 8.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 47.03% | 47.03% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 38 | 28 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 21.34 | No | 63.1 | N/A | xxx | xxx | xxx |
| 19561189 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.880% |  | No AUS | No | 10.682% |  | 10.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 44.13% | 44.13% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 12.37 | xxx | 42.14 | No | 58.24 | N/A | xxx | xxx | xxx |
| 11982801 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.160% |  | No AUS | No | 9.666% |  | 9.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 38.88% | 38.88% | No | No |  |  |  |  |  |  | Retired | Retired |  |  |  |  | 2YR Full Doc | 1 | 2 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | Yes | Yes | No | No | 0 | No | No | N/A | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Other - 1 YR W2 1099 Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified \|\| Co Borrower - Other, Other - 2 YRS W2 1099 Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 5.43 | No | 63.01 | N/A | xxx | xxx | xxx |
| 10776382 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.010% |  | No AUS | No | 11.369% |  | 11.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.98% | 43.98% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | Less than 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 40 | 28 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Overtime and Bonus - 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 8.51 | No | 73.59 | N/A | xxx | xxx | xxx |
| 18345129 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.870% |  | No AUS | No | 8.869% |  | 8.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 44.98% | 44.98% | No |  |  |  |  |  |  |  | Retired |  |  |  |  |  | 1YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SSI and Disability, Other - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2025 | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2025 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 19.09 | No | 68.98 | N/A | xxx | xxx | xxx |
| 11907500 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.740% |  | No AUS | No | 10.427% |  | 9.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 29.85% | 29.85% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 2 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 2 YRS Personal Tax Returns Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 1.3 | No | 54.4 | N/A | xxx | xxx | xxx |
| 10987380 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.740% |  | No AUS | No | 11.886% |  | 11.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 44.36% | 44.36% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | NA | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 80 | 29 | FNMA 1005 | Yes | 7 | 7 | Work Number | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, Written VOE Verified, 3 YRS Executed 4506T Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 0.83 | No | 80 | N/A | xxx | xxx | xxx |
| 16171043 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 46.69% | 46.69% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 72.36 | No | 69 | N/A | xxx | xxx | xxx |
| 17387371 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.870% |  | No AUS | No | 9.172% |  | 8.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 38.13% | 38.13% | Yes | Yes |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 1YR Full Doc | 1 | 1 | 1 Month | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 2 | 2 | FNMA 1005 | Yes | 1 | 1 | FNMA 1005 | No | 0 |  | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025 \|\| Co Borrower - Wage - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 0.05 | No | 80 | N/A | xxx | xxx | xxx |
| 16177480 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.920% |  | No AUS | No | 9.639% |  | 9.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.53% | 40.53% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 50.00% | 50.00% |  | Audited | 12 | Tax Preparer | Audited | Tax Preparer | 12 | Yes | 24 | Yes | 24 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified, Lease Agreements Verified \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified, Lease Agreements Verified | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 20.59 | No | 76.4 | N/A | xxx | xxx | xxx |
| 17045037 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 15.43% | 15.43% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 290 | 290 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 1 YR Executed 4506T Verified, 1040 Schedule E Verified | Borrower - 1 YR Executed 4506T Verified, 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 50.03 | No | 79.86 | N/A | xxx | xxx | xxx |
| 10294170 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 10.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 32.32% | 32.32% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 30.65 | No | 79.87 | N/A | xxx | xxx | xxx |
| 15917100 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.930% |  | No AUS | No | 9.410% |  | 9.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.74% | 41.74% | No | No |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 2 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | Yes | 0 | 0 | 42.86% | 0.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 184 | No | 0 | Yes | 29 | 29 | Work Number | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - CPA Letter Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Business Bank Statements Verified \|\| Co Borrower - SESoleProprietor | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 7.99 | No | 77.5 | N/A | xxx | xxx | xxx |
| 17275282 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.800% |  | No AUS | No | 10.135% |  | 10.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.93% | 43.93% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 145 | 29 | FNMA 1005 | Yes | 108 | 29 | FNMA 1005 | No | 0 |  |  | Borrower - Wage, Retirement, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 2.46 | No | 74.48 | N/A | xxx | xxx | xxx |
| 18242347 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.920% |  | No AUS | No | 11.287% |  | 10.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 38.99% | 38.99% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 5.67 | No | 80 | N/A | xxx | xxx | xxx |
| 12950982 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.890% |  | No AUS | No | 12.527% |  | 11.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 40.39% | 40.39% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 17.49 | No | 82.34 | N/A | xxx | xxx | xxx |
| 16263683 | xxx |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.920% |  | No AUS | No | 11.907% |  | 11.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 29.35% | 29.35% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 37.75 | No | 65.87 | N/A | xxx | xxx | xxx |
| 17909837 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 10.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.546 | 1.545 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 51.2 | No | 70 | N/A | xxx | xxx | xxx |
| 10586339 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.625% |  | xxx | Yes | 35.000% | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 20.39% | 20.39% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Audited | 12 | CPA | N/A | N/A | 0 | Yes | 106 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESCorp, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2024 \|\| Co Borrower | Borrower - 2024 \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 38.14 | No | 69.9 | N/A | xxx | xxx | xxx |
| 17131503 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.920% |  | No AUS | No | 10.201% |  | 9.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 33.65% | 33.65% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 305 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 2.77 | xxx | 18.54 | No | 73.56 | N/A | xxx | xxx | xxx |
| 18861382 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.400% |  | No AUS | No | 8.378% |  | 8.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 24.63% | 24.63% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 2 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Borrower Prepared | 4 | Borrower |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 2 YRS Personal Tax Returns Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 41.25 | No | 62.19 | N/A | xxx | xxx | xxx |
| 15688073 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.930% |  | No AUS | No | 8.530% |  | 8.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.75% | 43.75% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 1 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 24 | No |  | Yes | 20 | 20 | Work Number |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 0.75 | No | 57.18 | N/A | xxx | xxx | xxx |
| 19236047 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.126 | 1.126 |  | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 62.01 | No | 70.61 | N/A | xxx | xxx | xxx |
| 13357372 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.930% |  | No AUS | No | 9.020% |  | 8.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 29.01% | 29.01% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 48 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 39.63 | No | 77.32 | N/A | xxx | xxx | xxx |
| 17481893 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.880% |  | No AUS | No | 9.169% |  | 8.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 39.57% | 39.57% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 21.95 | No | 70 | N/A | xxx | xxx | xxx |
| 14076778 | xxx |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.880% |  | No AUS | No | 8.561% |  | 8.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 20.49% | 20.49% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 1.72 | xxx | 54.56 | No | 52.83 | N/A | xxx | xxx | xxx |
| 19220433 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.870% |  | No AUS | No | 11.341% |  | 11.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.71% | 43.71% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 16.2 | No | 67.24 | N/A | xxx | xxx | xxx |
| 18471211 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.400% |  | No AUS | No | 10.285% |  | 10.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.14% | 40.14% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 1 | 1 | FNMA 1005 |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 2.73 | No | 69.61 | N/A | xxx | xxx | xxx |
| 14069777 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.870% |  | No AUS | No | 11.268% |  | 10.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 33.09% | 33.09% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 23.62 | No | 66.9 | N/A | xxx | xxx | xxx |
| 12937662 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.340% |  | No AUS | No | 11.068% |  | 10.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 33.84% | 33.84% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 0.25 | No | 69.16 | N/A | xxx | xxx | xxx |
| 11317873 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.870% |  | No AUS | No | 10.275% |  | 9.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 22.70% | 22.70% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 5.36 | No | 60.18 | N/A | xxx | xxx | xxx |
| 13787840 | xxx |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.890% |  | No AUS | No | 9.665% |  | 9.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 34.95% | 34.95% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - 2 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 30.48 | No | 62.32 | N/A | xxx | xxx | xxx |
| 19230782 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.480% |  | No AUS | No | 12.474% |  | 11.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.01% | 49.01% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 7.97 | No | 63.42 | N/A | xxx | xxx | xxx |
| 11581074 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.890% |  | No AUS | No | 8.685% |  | 8.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 36.09% | 36.09% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 168 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 35.39 | No | 55.85 | N/A | xxx | xxx | xxx |
| 17142333 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.890% |  | No AUS | No | 9.661% |  | 9.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.85% | 49.85% | No | No |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | 1YR Business P&L | 1 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 100.00% |  | N/A | 0 | N/A | Third-Party Prepared (Unaudited) | Tax Preparer | 12 | NA | 0 | Yes | 41 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - SESCorp - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 55.83 | No | 70.06 | N/A | xxx | xxx | xxx |
| 11429524 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.890% |  | No AUS | No | 10.401% |  | 9.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 32.56% | 32.56% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 180 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 14.38 | No | 77.22 | N/A | xxx | xxx | xxx |
| 13244313 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.880% |  | No AUS | No | 9.413% |  | 8.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.27% | 41.27% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | W2/1099 Verified | 1 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, SESoleProprietor, Other REO Net Rental Income(Loss) - 1 YR W2 1099 Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2025 | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2025 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 13.3 | No | 70.16 | N/A | xxx | xxx | xxx |
| 10214692 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.880% |  | No AUS | No | 8.566% |  | 8.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 17.16% | 17.16% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | W2/1099 Verified | 1 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 90.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 180 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 1 YR W2 1099 Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024 | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 34.01 | No | 45.18 | N/A | xxx | xxx | xxx |
| 18486112 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.890% |  | No AUS | No | 11.852% |  | 11.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 38.25% | 38.25% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 11.91 | No | 86.74 | N/A | xxx | xxx | xxx |
| 17471478 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.890% |  | No AUS | No | 9.876% |  | 9.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.99% | 44.99% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 2 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | Yes |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 87.43% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other - 2 YRS W2 1099 Verified, 3 YRS Executed 4506T Verified, Award Letter Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 5.94 | xxx | 18.17 | No | 44.16 | N/A | xxx | xxx | xxx |
| 17033375 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.890% |  | No AUS | No | 9.078% |  | 8.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 35.48% | 35.48% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 22.74 | No | 59.1 | N/A | xxx | xxx | xxx |
| 14768469 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.880% |  | No AUS | No | 12.601% |  | 12.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 8.35% | 8.35% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 54.35 | No | 79.25 | N/A | xxx | xxx | xxx |
| 19998522 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.890% |  | No AUS | No | 10.113% |  | 9.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | Monthly | 0.00% | 48.29% | 48.29% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - Personal Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 38.86 | No | 78.59 | N/A | xxx | xxx | xxx |
| 17576631 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.880% |  | No AUS | No | 8.714% |  | 8.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.42% | 43.42% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 2 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 17.64 | No | 59.73 | N/A | xxx | xxx | xxx |
| 14516047 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.890% |  | No AUS | No | 8.852% |  | 8.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 48.92% | 48.92% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Written Verification of Employment | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 19 | 19 | FNMA 1005 |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Commission - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 16.23 | No | 56.54 | N/A | xxx | xxx | xxx |
| 12297799 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 8.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% | 0.00% | 0.00% |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.531 | 1.53 |  | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 38.6 | No | 44.15 | N/A | xxx | xxx | xxx |
| 18254064 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% | 0.00% | 0.00% |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.973 | 1.973 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | .00 | .00 | xxx | 23.73 | No | 36.33 | N/A | xxx | xxx | xxx |
| 15469876 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 8.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.29% | 44.29% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | N/A | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 13 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 48.72 | No | 65.99 | N/A | xxx | xxx | xxx |
| 18501157 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.930% |  | No AUS | No | 10.215% |  | 9.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | Monthly | 0.00% | 45.37% | 45.37% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 50.00% | 50.00% |  | Audited | 12 | CPA | Audited | CPA | 12 | Yes | 24 | Yes | 24 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership - CPA Letter Verified, YTD Profit And Loss Verified \|\| Co Borrower - SEPartnership - CPA Letter Verified, YTD Profit And Loss Verified | Borrower \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 29.66 | No | 79.09 | N/A | xxx | xxx | xxx |
| 14926050 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 11.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.026 | 1 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 32.53 | No | 63.12 | N/A | xxx | xxx | xxx |
| 15230073 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.180% |  | No AUS | No | 11.192% |  | 10.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.96% | 42.96% | No |  |  |  |  |  |  |  | Retired |  |  |  |  |  | Full Documentation | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 3 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Other, SSI and Disability - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 11.05 | No | 71.9 | N/A | xxx | xxx | xxx |
| 19865843 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.880% |  | No AUS | No | 10.825% |  | 10.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.89% | 42.89% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 10 | 10 | Work Number | Yes | 28 | 27 | Work Number | No | 0 |  | No | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 14.92 | No | 68.02 | N/A | xxx | xxx | xxx |
| 16425543 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.740% |  | No AUS | No | 10.926% |  | 10.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 43.28% | 43.28% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 15.88 | No | 66.52 | N/A | xxx | xxx | xxx |
| 14566814 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.160% |  | No AUS | No | 11.020% |  | 10.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.00% | 43.00% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 1 | 0 |  |  | 3 | 3 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 89 | 25 | Work Number |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Wage, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 36.96 | No | 79.63 | N/A | xxx | xxx | xxx |
| 11622546 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.010% |  | No AUS | No | 9.824% |  | 9.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 33.88% | 33.88% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 5 | 5 | FNMA 1005 |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified - 2025 | Borrower - 2025 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 7.73 | No | 63.65 | N/A | xxx | xxx | xxx |
| 14940311 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.870% |  | No AUS | No | 12.138% |  | 11.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 28.39% | 28.39% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 101 | 29 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Other - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 16.9 | No | 73.39 | N/A | xxx | xxx | xxx |
| 11476752 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.510% |  | No AUS | No | 11.583% |  | 11.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 17.62% | 17.62% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024 | Borrower - 3 YRS Executed 4506T Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 21.3 | No | 46.87 | N/A | xxx | xxx | xxx |
| 13640701 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.890% |  | No AUS | No | 9.388% |  | 9.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 24.62% | 24.62% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 7.33 | No | 56.92 | N/A | xxx | xxx | xxx |
| 14639852 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.920% |  | No AUS | No | 8.457% |  | 8.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 18.05% | 18.05% | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | 2YR Full Doc | 2 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 64.06 | No | 30.04 | N/A | xxx | xxx | xxx |
| 19732849 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.880% |  | No AUS | No | 10.350% |  | 9.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 35.87% | 35.87% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | Yes | 0 | 0 | 100.00% | 100.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | Yes | 24 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified \|\| Co Borrower - SESoleProprietor, SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 13.43 | No | 69.56 | N/A | xxx | xxx | xxx |
| 19854739 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.170% |  | No AUS | No | 8.892% |  | 8.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 33.22% | 33.22% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 100.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified \|\| Co Borrower - SESoleProprietor - Business Bank Statements Verified | Borrower \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 37.2 | No | 72.9 | N/A | xxx | xxx | xxx |
| 17002909 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 11.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.002 | 1.002 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Resident Alien |  | Real ID Driver's License |  | xxx | Vietnam | xxx |  |  | Entry Stamp |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 20.28 | No | 69.69 | N/A | xxx | xxx | xxx |
| 18069043 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.920% |  | No AUS | No | 9.656% |  | 9.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 46.05% | 46.05% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 17 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified, Lease Agreements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 9.41 | No | 63.25 | N/A | xxx | xxx | xxx |
| 10029647 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.890% |  | No AUS | No | 9.784% |  | 9.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.18% | 49.18% | Yes | Yes |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 215 | 30 | FNMA 1005 | No | 0 |  | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 40.24 | No | 79.87 | N/A | xxx | xxx | xxx |
| 19383480 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.890% |  | No AUS | No | 10.713% |  | 10.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 24.89% | 24.89% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 1 YR Executed 4506T Verified | Borrower - 1 YR Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 1.71 | No | 55.66 | N/A | xxx | xxx | xxx |
| 13704395 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.098 | 1.096 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | .00 | .00 | xxx | 4.44 | No | 75 | N/A | xxx | xxx | xxx |
| 11980915 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.890% |  | No AUS | No | 10.162% |  | 9.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.84% | 40.84% | Yes | Yes | 1 |  | 1 |  | 1 |  | Employed | Employed | Not Employed |  | .00 |  | 2YR Full Doc | 2 | 2 | 1 Month | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 204 | 29 | Work Number | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower 2 - N/A - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower 2 - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | US Patriot Act | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 28.51 | No | 70 | N/A | xxx | xxx | xxx |
| 16200288 | xxx |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.880% |  | No AUS | No | 9.033% |  | 8.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 39.12% | 39.12% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 19.45 | No | 45.98 | N/A | xxx | xxx | xxx |
| 19874556 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 10.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.023 | 0.916 |  | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 48.04 | No | 64.99 | N/A | xxx | xxx | xxx |
| 14721861 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 10.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.06 | 1.06 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 36.23 | No | 61.13 | N/A | xxx | xxx | xxx |
| 18194711 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.800% |  | No AUS | No | 10.860% |  | 10.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.94% | 43.94% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 3 | 3 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 23.49 | No | 79.84 | N/A | xxx | xxx | xxx |
| 15075016 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.740% |  | No AUS | No | 13.383% |  | 12.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 43.05% | 43.05% | No | No |  |  |  |  |  |  | Retired | Employed |  |  |  |  | 2YR Full Doc | 1 | 2 | NA | 2+ Months | N/A | 0 | N/A | 0 | 2 | 0 | 2 | 0 | 3 | 2 | Yes | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 75 | 29 | Work Number | No | 0 |  | N/A | Borrower - SSI and Disability, Other, Retirement, Retirement - 2 YRS Personal Tax Returns Verified, 1 YR W2 1099 Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified \|\| Co Borrower - Wage, Overtime and Bonus - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 17.87 | No | 85 | N/A | xxx | xxx | xxx |
| 12554853 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.890% |  | No AUS | No | 11.856% |  | 11.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 29.62% | 29.62% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 9.09 | No | 67.67 | N/A | xxx | xxx | xxx |
| 13570187 |  |  | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.930% |  | No AUS | No | 9.249% |  | 8.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 45.62% | 45.62% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 2 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 7 | 16 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Wage, Retirement - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 43.35 | No | 74.76 | N/A | xxx | xxx | xxx |
| 11928893 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 10.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 48.17% | 48.17% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 2 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 18.46 | No | 78.39 | N/A | xxx | xxx | xxx |
| 17769553 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 8.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 38.50% | 38.50% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 0 | No | 57.36 | N/A | xxx | xxx | xxx |
| 13410193 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 10.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.227 | 1.227 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | .00 | .00 | xxx | 37.07 | No | 47.64 | N/A | xxx | xxx | xxx |
| 11200998 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.930% |  | No AUS | No | 9.642% |  | 9.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 22.74% | 22.74% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 0 | No | 69.86 | N/A | xxx | xxx | xxx |
| 19458498 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.46 | 1.46 |  | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | .00 | .00 | xxx | 32.96 | No | 58.29 | N/A | xxx | xxx | xxx |
| 13947238 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.880% |  | No AUS | No | 9.627% |  | 9.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.78% | 42.78% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 1.09 | No | 68.62 | N/A | xxx | xxx | xxx |
| 12716104 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.382 | 1.41 |  | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 41.35 | No | 72.58 | N/A | xxx | xxx | xxx |
| 11996102 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.890% |  | No AUS | No | 10.309% |  | 10.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 32.86% | 32.86% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 80.00% |  |  | Third-Party Prepared (Unaudited) | 12 | N/A |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 32.29 | No | 79.85 | N/A | xxx | xxx | xxx |
| 18495874 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.880% |  | No AUS | No | 9.674% |  | 9.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 34.21% | 34.21% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 49.42 | No | 79.89 | N/A | xxx | xxx | xxx |
| 14907793 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.830% |  | No AUS | No | 8.761% |  | 8.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 38.70% | 38.70% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 58.12 | No | 51.58 | N/A | xxx | xxx | xxx |
| 11771353 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.880% |  | No AUS | No | 9.638% |  | 9.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 42.06% | 42.06% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 84 | No | Yes | Yes | 6 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 216 | 29 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Asset Depletion - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Personal Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 23.9 | No | 53.04 | N/A | xxx | xxx | xxx |
| 10166753 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.920% |  | No AUS | No | 10.186% |  | 9.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 36.85% | 36.85% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 120 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 51.84 | No | 74.44 | N/A | xxx | xxx | xxx |
| 14526627 | xxx |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.890% |  | No AUS | No | 9.562% |  | 9.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 39.33% | 39.33% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 58.79 | No | 69.64 | N/A | xxx | xxx | xxx |
| 19241517 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.464 | 1.267 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | .00 | .00 | xxx | 18.12 | No | 52.99 | N/A | xxx | xxx | xxx |
| 10904972 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.890% |  | No AUS | No | 12.645% |  | 12.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 48.22% | 48.22% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 17.42 | No | 89.92 | N/A | xxx | xxx | xxx |
| 13408063 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.890% |  | No AUS | No | 12.834% |  | 12.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 35.32% | 35.32% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 24.97 | No | 89.87 | N/A | xxx | xxx | xxx |
| 15875809 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.210% |  | No AUS | No | 11.779% |  | 10.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 18.09% | 18.09% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 64 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 26.48 | No | 74.51 | N/A | xxx | xxx | xxx |
| 17755406 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.930% |  | No AUS | No | 9.325% |  | 8.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 18.86% | 18.86% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 99.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 37.31 | No | 74.24 | N/A | xxx | xxx | xxx |
| 15229506 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.862 | 1.862 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | .00 | .00 | xxx | 21.92 | No | 80 | N/A | xxx | xxx | xxx |
| 10951928 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.890% |  | No AUS | No | 8.425% |  | 8.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 47.53% | 47.53% | No | No |  |  |  |  |  |  | Self-Employed | Unknown |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified \|\| Co Borrower | Borrower \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | I-551 Stamp and Passport |  | xxx | Permanent Resident Alien | Permanent Resident Alien |  | Real ID Driver's License |  | xxx | United States | xxx |  |  | I-551 Stamp and Passport |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 22.36 | No | 58.33 | N/A | xxx | xxx | xxx |
| 15581893 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.880% |  | No AUS | No | 9.910% |  | 9.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 36.89% | 36.89% | No | No |  |  |  |  |  |  | Not Employed | Retired |  |  |  |  | 1YR Full Doc | 0 | 1 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | Yes | Yes | No | No | 0 | No | No | N/A | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SSI and Disability - 2 YRS Executed 4506T Verified, Award Letter Verified \|\| Co Borrower - SSI and Disability, Retirement - 1 YR W2 1099 Verified, 2 YRS Executed 4506T Verified, Award Letter Verified | Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 0.75 | No | 80 | N/A | xxx | xxx | xxx |
| 19281867 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.930% |  | No AUS | No | 10.252% |  | 9.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.71% | 44.71% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 2 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 360 | 29 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 10.16 | No | 60.6 | N/A | xxx | xxx | xxx |
| 11945074 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.930% |  | No AUS | No | 8.930% |  | 8.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.82% | 43.82% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 205 | 28 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 12.03 | No | 56 | N/A | xxx | xxx | xxx |
| 16388004 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.160% |  | No AUS | No | 13.047% |  | 12.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 32.63% | 32.63% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 27.02 | No | 79.43 | N/A | xxx | xxx | xxx |
| 13698482 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.140% |  | No AUS | No | 10.137% |  | 9.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 22.61% | 22.61% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 123 | 29 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 0.4 | No | 74.7 | N/A | xxx | xxx | xxx |
| 16641672 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.480% |  | No AUS | No | 11.773% |  | 11.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 38.17% | 38.17% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7 | xxx | xxx | 0 | 116 |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 0.1 | No | 84.87 | N/A | xxx | xxx | xxx |
| 19669267 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.800% |  | No AUS | No | 9.609% |  | 9.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.32% | 42.32% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | Less than 1 Month | Less than 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 141 | 30 | FNMA 1005 | Yes | 86 | 30 | FNMA 1005 | No | 0 |  | N/A | Borrower - Wage, Wage - 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 1.75 | No | 76.21 | N/A | xxx | xxx | xxx |
| 12980631 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.930% |  | No AUS | No | 13.439% |  | 12.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 36.04% | 36.04% | No | No |  |  |  |  |  |  | Employed | Retired |  |  |  |  | 2YR Full Doc | 2 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 1 | NA | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, SSI and Disability - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified \|\| Co Borrower - SSI and Disability, Retirement - 3 YRS Executed 4506T Verified, IRS Transcripts Verified, Award Letter Verified | Borrower - 3 YRS Executed 4506T Verified, IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 10.97 | No | 79.86 | N/A | xxx | xxx | xxx |
| 15057449 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 11.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 48.39% | 48.39% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation, Subject Property Net Rental Income(Loss) if NOO - 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 33.55 | No | 79.29 | N/A | xxx | xxx | xxx |
| 12078674 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.830% |  | No AUS | No | 11.218% |  | 11.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 21.24% | 21.24% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 33.33% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 25.53 | No | 74.86 | N/A | xxx | xxx | xxx |
| 19619057 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 10.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.52 | 1.52 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 35.42 | No | 35 | N/A | xxx | xxx | xxx |
| 16506808 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.880% |  | No AUS | No | 8.898% |  | 8.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 35.03% | 35.03% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 14.76 | No | 64.64 | N/A | xxx | xxx | xxx |
| 13978256 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.800% |  | No AUS | No | 11.003% |  | 10.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 30.28% | 30.28% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 22 | 22 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 18.24 | No | 48.39 | N/A | xxx | xxx | xxx |
| 19128271 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.800% |  | No AUS | No | 10.138% |  | 9.490% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.06% | 41.06% | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | 1YR Full Doc | 1 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | Yes | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Retirement, Retirement, SSI and Disability - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, Executed 4506T Verified, Award Letter Verified \|\| Co Borrower - Executed 4506T Verified | Borrower - Executed 4506T Verified \|\| Co Borrower - Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 2.88 | No | 74.88 | N/A | xxx | xxx | xxx |
| 18824991 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.830% |  | No AUS | No | 11.978% |  | 11.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 24.54% | 24.54% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 19.24 | No | 70 | N/A | xxx | xxx | xxx |
| 13124651 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.337 | 1.337 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 48.65 | No | 47.56 | N/A | xxx | xxx | xxx |
| 14705874 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.880% |  | No AUS | No | 12.480% |  | 11.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 48.57% | 48.57% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 1YR Full Doc | 1 | 1 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 336 | 26 | Work Number | Yes | 38 | 26 | FNMA 1005 | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower - Wage - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 11.1 | No | 84.45 | N/A | xxx | xxx | xxx |
| 15150868 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 8.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 27.20% | 27.20% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 35 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 73.01 | No | 70 | N/A | xxx | xxx | xxx |
| 12902169 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.830% |  | No AUS | No | 9.759% |  | 9.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 23.95% | 23.95% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 94 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 10.67 | No | 73.69 | N/A | xxx | xxx | xxx |
| 11840191 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 8.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.209 | 1.209 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | .00 | .00 | xxx | 29.69 | No | 45.42 | N/A | xxx | xxx | xxx |
| 13128108 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.890% |  | No AUS | No | 10.111% |  | 9.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 38.73% | 38.73% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 50.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | Yes | 24 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified | Borrower \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 49.4 | No | 74.56 | N/A | xxx | xxx | xxx |
| 12470452 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.830% |  | No AUS | No | 8.748% |  | 8.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.25% | 42.25% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | NA |  | N/A | 0 |  |  | 1 | 1 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Borrower Prepared | 5 | Borrower |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, YTD Profit And Loss Verified, 1 YR W2 1099 Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024 | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 43.25 | No | 76.93 | N/A | xxx | xxx | xxx |
| 15386908 | xxx |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.830% |  | No AUS | No | 10.263% |  | 9.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.83% | 43.83% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 240 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 45 | No | 74.91 | N/A | xxx | xxx | xxx |
| 10043930 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.830% |  | No AUS | No | 12.108% |  | 11.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.22% | 40.22% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 80.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 120 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 3.14 | No | 70.41 | N/A | xxx | xxx | xxx |
| 19797113 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.800% |  | No AUS | No | 11.636% |  | 11.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.83% | 40.83% | No | No |  |  |  |  |  |  | Employed | Retired |  |  |  |  | 2YR Full Doc | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | Yes | No | No | 0 | No | No | Yes | 0 | 0 | Yes | Yes | 1 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 14 | 14 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Other - 2 YRS IRS Transcripts Verified, Award Letter Verified, Personal Bank Statements Verified - 2024 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 2 YRS IRS Transcripts Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 14.83 | No | 79.86 | N/A | xxx | xxx | xxx |
| 13209555 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.800% |  | No AUS | No | 10.674% |  | 10.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.98% | 43.98% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 14.97 | No | 56 | N/A | xxx | xxx | xxx |
| 18206034 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.870% |  | No AUS | No | 10.945% |  | 10.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 47.37% | 47.37% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 55 | 31 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 16.04 | No | 55.37 | N/A | xxx | xxx | xxx |
| 18211183 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.800% |  | No AUS | No | 11.203% |  | 10.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.95% | 44.95% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | NA | 1 Month | N/A | 0 | N/A | 0 | 2 | 0 | 2 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 20 | No | 0 | NA | 0 | 0 | N/A | Yes | 16 | 17 | Work Number | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, CPA Letter Verified, 2 YRS W2 1099 Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage, SESoleProprietor - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 44.22 | No | 69.61 | N/A | xxx | xxx | xxx |
| 15896740 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.800% |  | No AUS | No | 10.537% |  | 10.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 39.88% | 39.88% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 14.76 | No | 32.07 | Yes | xxx | xxx | xxx |
| 13711383 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.800% |  | No AUS | No | 10.433% |  | 9.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.35% | 42.35% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 172 | 172 | Work Number |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 29.99 | No | 53.88 | N/A | xxx | xxx | xxx |
| 13000016 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% | 0.00% | 0.00% |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.138 | 1.13 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | .00 | .00 | xxx | 33.49 | No | 62.88 | No | xxx | xxx | xxx |
| 14546416 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.830% |  | No AUS | No | 8.178% |  | 8.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 49.81% | 49.81% | No | No |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | 1YR Full Doc | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 1 | 0 | 1 | 1 | 1 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 100.00% |  | N/A | 0 | N/A | Borrower Prepared | Borrower | 6 | NA | 0 | No | 0 | Yes | 12 | 18 | Work Number | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified, Lease Agreements Verified, 1040 Schedule E Verified \|\| Co Borrower - SESCorp - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, YTD Profit And Loss Verified, 1 YR IRS Transcripts Verified, Lease Agreements Verified, 1040 Schedule E Verified - 2024 | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 52.38 | No | 52.7 | N/A | xxx | xxx | xxx |
| 19570003 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 10.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.093 | 1.093 |  | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 27.18 | No | 62.78 | N/A | xxx | xxx | xxx |
| 11768557 | xxx |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.890% |  | No AUS | No | 10.225% |  | 10.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 45.66% | 45.66% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 31 | 29 | Work Number | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 3.05 | No | 80 | N/A | xxx | xxx | xxx |
| 15750836 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.800% |  | No AUS | No | 12.427% |  | 12.000% |  | xxx | Yes | 18.000% | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 34.76% | 34.76% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 26 | 26 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 32.64 | No | 79.74 | N/A | xxx | xxx | xxx |
| 19801762 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.740% |  | No AUS | No | 11.650% |  | 11.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 41.72% | 41.72% | Yes | Yes |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 2 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 146 | 28 | Work Number | Yes | 36 | 28 | FNMA 1005 | No | 0 |  | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 17.98 | No | 69.63 | N/A | xxx | xxx | xxx |
| 15336726 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.890% |  | No AUS | No | 11.219% |  | 10.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 44.13% | 44.13% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 2YR Full Doc | 0 | 2 | NA | 1 Month | N/A | 0 | N/A | 0 | 2 | 0 | 2 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 33 | 29 | FNMA 1005 | No | 0 |  | N/A | Borrower - SESoleProprietor - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 11.72 | No | 68.64 | N/A | xxx | xxx | xxx |
| 19457679 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.890% |  | No AUS | No | 12.267% |  | 11.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 25.73% | 25.73% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 132.80 | xxx | 159.04 | No | 90 | N/A | xxx | xxx | xxx |
| 16543884 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.880% |  | No AUS | No | 12.334% |  | 11.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 39.98% | 39.98% | No | No |  |  |  |  |  |  | Not Employed | Employed |  |  |  |  | 2YR Full Doc | 1 | 2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SSI and Disability, Retirement - 1 YR W2 1099 Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 1.2 | No | 74.65 | Yes | xxx | xxx | xxx |
| 17964065 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.920% |  | No AUS | No | 11.989% |  | 11.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 32.83% | 32.83% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 3 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 360 | 29 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 7.88 | No | 79.76 | N/A | xxx | xxx | xxx |
| 14492618 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.770% |  | No AUS | No | 10.963% |  | 10.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 34.45% | 34.45% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 330 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Passport |  | xxx | United States | xxx | US | xxx | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 27.73 | No | 86.57 | N/A | xxx | xxx | xxx |
| 18733561 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.770% |  | No AUS | No | 11.700% |  | 11.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 23.27% | 23.27% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 34.76 | No | 79.74 | N/A | xxx | xxx | xxx |
| 15493261 | xxx |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.880% |  | No AUS | No | 11.104% |  | 10.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 37.73% | 37.73% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 112 | 15 | Work Number | Yes | 5 | 29 | FNMA 1005 | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 13.43 | No | 67.51 | N/A | xxx | xxx | xxx |
| 19659601 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.18% | 40.18% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified, Lease Agreements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 58.55 | No | 74.95 | N/A | xxx | xxx | xxx |
| 14339728 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.890% |  | No AUS | No | 9.067% |  | 8.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 37.61% | 37.61% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 72 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 2.85 | xxx | 19.28 | No | 79.99 | N/A | xxx | xxx | xxx |
| 18628495 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.880% |  | No AUS | No | 8.502% |  | 8.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.20% | 41.20% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 3.1 | No | 69.99 | N/A | xxx | xxx | xxx |
| 18287382 | xxx |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.830% |  | No AUS | No | 12.638% |  | 11.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.07% | 40.07% | No | No | 1 |  | 5 |  | 3 |  | Employed | Employed | Employed |  | 2.57 |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage, Wage, Wage, Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower 2 - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower 2 - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 5.92 | No | 84.98 | N/A | xxx | xxx | xxx |
| 13326401 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.140% |  | No AUS | No | 12.381% |  | 11.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 37.66% | 37.66% | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | 2YR Full Doc | 2 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 1 | NA | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Retirement, Other - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Award Letter Verified | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 1.15 | No | 78.36 | N/A | xxx | xxx | xxx |
| 18228778 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.870% |  | No AUS | No | 10.202% |  | 9.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 43.12% | 43.12% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 40 | 29 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Overtime and Bonus, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 12.42 | No | 72.76 | N/A | xxx | xxx | xxx |
| 13631680 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.890% |  | No AUS | No | 10.323% |  | 9.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 39.70% | 39.70% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 1 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 67 | 26 | FNMA 1005 | Yes | 170 | 26 | FNMA 1005 | No | 0 |  | N/A | Borrower - Wage, Commission - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified \|\| Co Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 25.96 | No | 74.59 | N/A | xxx | xxx | xxx |
| 15578274 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.890% |  | No AUS | No | 13.098% |  | 12.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 39.20% | 39.20% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 1 YR IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower - 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot act | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 9.93 | No | 79.91 | N/A | xxx | xxx | xxx |
| 17789299 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.870% |  | No AUS | No | 13.135% |  | 12.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.43% | 44.43% | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | 2YR Full Doc | 0 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified \|\| Co Borrower | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 9.38 | No | 78.91 | N/A | xxx | xxx | xxx |
| 15275351 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.800% |  | No AUS | No | 12.565% |  | 11.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.09% | 40.09% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 9 | 9 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 0.14 | No | 88.18 | N/A | xxx | xxx | xxx |
| 13551604 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.890% |  | No AUS | No | 12.570% |  | 11.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.68% | 42.68% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 28 | 28 | FNMA 1005 | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 20.55 | No | 80 | N/A | xxx | xxx | xxx |
| 10847833 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.870% |  | No AUS | No | 9.296% |  | 8.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 36.43% | 36.43% | No |  |  |  |  |  |  |  | Not Employed |  |  |  |  |  | 2YR Full Doc | 1 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SSI and Disability, Retirement - 1 YR W2 1099 Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 37.25 | No | 42.4 | Yes | xxx | xxx | xxx |
| 10594306 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.930% |  | No AUS | No | 9.706% |  | 9.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.92% | 42.92% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 161 | 30 | Work Number |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 0.62 | No | 72.51 | N/A | xxx | xxx | xxx |
| 18604756 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.920% |  | No AUS | No | 12.079% |  | 11.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 47.36% | 47.36% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 3 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 0.1 | No | 76.17 | N/A | xxx | xxx | xxx |
| 16851714 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.830% |  | No AUS | No | 10.191% |  | 9.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 38.01% | 38.01% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 50.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified \|\| Co Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 30.93 | No | 51.03 | N/A | xxx | xxx | xxx |
| 18818482 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 10.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.172 | 1.145 |  | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 32.53 | No | 69.36 | N/A | xxx | xxx | xxx |
| 14129401 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.670% |  | No AUS | No | 11.653% |  | 10.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 37.04% | 37.04% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 101 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 27 | No | 74.84 | N/A | xxx | xxx | xxx |
| 16784910 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.340% |  | No AUS | No | 9.729% |  | 9.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 22.85% | 22.85% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp - Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 0 | No | 55.09 | N/A | xxx | xxx | xxx |
| 16811008 | xxx |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.890% |  | No AUS | No | 8.796% |  | 8.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 20.87% | 20.87% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 69 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 1 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 18.24 | No | 63.98 | N/A | xxx | xxx | xxx |
| 18809718 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.770% |  | No AUS | No | 8.684% |  | 8.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 28.67% | 28.67% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 120 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 60.51 | No | 67.64 | N/A | xxx | xxx | xxx |
| 18820752 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.230% |  | No AUS | No | 9.230% |  | 8.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 49.46% | 49.46% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Retirement - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 29.21 | No | 22.42 | N/A | xxx | xxx | xxx |
| 17155106 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.670% |  | No AUS | No | 10.670% |  | 10.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 33.24% | 33.24% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 11.51 | No | 74.68 | N/A | xxx | xxx | xxx |
| 19089776 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.890% |  | No AUS | No | 9.957% |  | 9.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 49.79% | 49.79% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 40.00% | 60.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 60 | Yes | 60 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified \|\| Co Borrower - Wage - CPA Letter Verified, Business Bank Statements Verified | Borrower \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Passport |  | xxx | United States | xxx | United states of America | xxx | N/A |  |  | US Citizen | US Citizen | N/A | Passport |  | xxx | United States | xxx | United States of America | xxx | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 20 | No | 79.75 | N/A | xxx | xxx | xxx |
| 11201248 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.400% |  | No AUS | No | 8.449% |  | 8.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.34% | 42.34% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 39.88 | No | 51.15 | N/A | xxx | xxx | xxx |
| 16414088 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.880% |  | No AUS | No | 9.867% |  | 9.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.87% | 49.87% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 11.75 | No | 57.41 | N/A | xxx | xxx | xxx |
| 17870176 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 10.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.38% | 42.38% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 22.02 | No | 69.74 | N/A | xxx | xxx | xxx |
| 17556559 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.830% |  | No AUS | No | 8.388% |  | 7.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 39.47% | 39.47% | No |  |  |  |  |  |  |  | Not Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 337 | 5 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 50.96 | No | 28.46 | N/A | xxx | xxx | xxx |
| 17050369 | xxx |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.670% |  | No AUS | No | 8.693% |  | 8.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 7.21% | 7.21% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 62 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 4.86 | No | 74.95 | Yes | xxx | xxx | xxx |
| 10321445 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.830% |  | No AUS | No | 12.075% |  | 11.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 36.92% | 36.92% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | United States of America |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 8.09 | No | 74.78 | N/A | xxx | xxx | xxx |
| 18596354 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.880% |  | No AUS | No | 11.366% |  | 11.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.18% | 44.18% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 29.86 | No | 79.93 | N/A | xxx | xxx | xxx |
| 15439007 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.890% |  | No AUS | No | 10.452% |  | 10.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.89% | 49.89% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 30.77 | No | 54 | N/A | xxx | xxx | xxx |
| 15427729 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.930% |  | No AUS | No | 13.516% |  | 12.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.29% | 41.29% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 152 | 29 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 0 | No | 84.49 | N/A | xxx | xxx | xxx |
| 18487155 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.510% |  | No AUS | No | 13.648% |  | 12.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 44.08% | 44.08% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 33 | 30 | FNMA 1005 | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage, Overtime and Bonus, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 0.66 | No | 84.81 | N/A | xxx | xxx | xxx |
| 18822198 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.920% |  | No AUS | No | 9.548% |  | 9.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 44.81% | 44.81% | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | 2YR Full Doc | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 17.96 | No | 58.86 | N/A | xxx | xxx | xxx |
| 19638695 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.920% |  | No AUS | No | 13.404% |  | 12.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.12% | 40.12% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 8.69 | No | 89.12 | N/A | xxx | xxx | xxx |
| 15209468 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.770% |  | No AUS | No | 8.741% |  | 8.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 46.94% | 46.94% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 1YR Full Doc | 0 | 1 | NA | 2+ Months | N/A | 0 | N/A | 0 | 1 | 1 | 1 | 0 | 3 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 0.00% |  | Borrower Prepared | 5 | Borrower | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESCorp - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024 \|\| Co Borrower - Wage - 1 YR Personal Tax Returns Verified, 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024 \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | Permanent Resident Alien | Permanent Resident Alien |  | Real ID Driver's License |  | xxx | United States | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 33.92 | No | 72.58 | N/A | xxx | xxx | xxx |
| 14906011 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.830% |  | No AUS | No | 8.677% |  | 8.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 45.21% | 45.21% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 84 | 29 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Commission - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 29.93 | No | 40.37 | N/A | xxx | xxx | xxx |
| 10879765 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.890% |  | No AUS | No | 8.327% |  | 7.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 42.72% | 42.72% | No |  |  |  |  |  |  |  | Retired |  |  |  |  |  | W2/1099 Verified | 2 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 1 | NA |  | No | No | 84 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Retirement, Asset Depletion - 2 YRS W2 1099 Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 1.51 | No | 64.59 | Yes | xxx | xxx | xxx |
| 12556350 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.883 | 1.882 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | .00 | .00 | xxx | 23.89 | No | 69.96 | N/A | xxx | xxx | xxx |
| 19381615 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.880% |  | No AUS | No | 8.907% |  | 8.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 41.18% | 41.18% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 46 | 30 | Work Number |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 25.69 | No | 31.25 | N/A | xxx | xxx | xxx |
| 16210219 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.770% |  | No AUS | No | 10.689% |  | 10.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | Monthly | 0.00% | 41.46% | 41.46% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | W2/1099 Verified | 1 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 1 YR W2 1099 Verified, 1 YR Executed 4506T Verified - 2024 | Borrower - 1 YR Executed 4506T Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 9.51 | No | 80.65 | N/A | xxx | xxx | xxx |
| 19545587 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.180% |  | No AUS | No | 11.624% |  | 11.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 46.43% | 46.43% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 2 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 26 | 26 | Work Number |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 31.39 | No | 84.88 | N/A | xxx | xxx | xxx |
| 11247862 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.830% |  | No AUS | No | 8.520% |  | 8.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.64% | 41.64% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 17 | CPA |  |  |  | Yes | 5 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 31.05 | No | 57.61 | N/A | xxx | xxx | xxx |
| 13183841 | xxx |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.440% |  | No AUS | No | 9.081% |  | 8.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.15% | 42.15% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, SSI and Disability - CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | N/A | .00 | .00 | xxx | 16.77 | No | 61.38 | N/A | xxx | xxx | xxx |
| 17274456 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.770% |  | No AUS | No | 10.138% |  | 9.490% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 49.43% | 49.43% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 2 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 0.13 | No | 63.42 | N/A | xxx | xxx | xxx |
| 14096740 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.880% |  | No AUS | No | 11.206% |  | 10.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.51% | 49.51% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 35.56 | No | 73.62 | N/A | xxx | xxx | xxx |
| 10366096 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.880% |  | No AUS | No | 12.200% |  | 11.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 25.46% | 25.46% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 16.03 | No | 69.99 | N/A | xxx | xxx | xxx |
| 14324802 | xxx |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.890% |  | No AUS | No | 10.372% |  | 9.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.44% | 44.44% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | Yes |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 16 | 28 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Other - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 19.41 | No | 79.87 | N/A | xxx | xxx | xxx |
| 14996622 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.890% |  | No AUS | No | 10.107% |  | 10.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.05% | 49.05% | Yes | Yes |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 2 | 0 | 2 | 0 | 2 | 1 | NA | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 27 | 27 | Work Number | Yes | 2 | 2 | Work Number | No | 0 |  | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, IRS Transcripts Verified, Award Letter Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, IRS Transcripts Verified \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 11.88 | No | 57.14 | N/A | xxx | xxx | xxx |
| 17896360 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.770% |  | No AUS | No | 10.093% |  | 9.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 43.92% | 43.92% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 84.45% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 36.4 | No | 69.92 | Yes | xxx | xxx | xxx |
| 13993989 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.890% |  | No AUS | No | 8.517% |  | 8.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.29% | 44.29% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Wage, Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 2.08 | No | 79.9 | N/A | xxx | xxx | xxx |
| 19384542 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.770% |  | No AUS | No | 8.296% |  | 8.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 28.87% | 28.87% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 48.46 | No | 54.75 | N/A | xxx | xxx | xxx |
| 13037773 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.080% |  | No AUS | No | 9.738% |  | 8.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.86% | 40.86% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 2+ Months | Yes | 9 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 11 | 11 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 22.07 | No | 66.15 | N/A | xxx | xxx | xxx |
| 15681154 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.670% |  | No AUS | No | 9.765% |  | 9.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 45.00% | 45.00% | No | No |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | Yes | Yes | 0 | 12 | 40.40% | 0.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | Yes | 121 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 31.11 | No | 69.5 | N/A | xxx | xxx | xxx |
| 16874856 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.890% |  | No AUS | No | 8.763% |  | 8.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 36.18% | 36.18% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 1YR Full Doc | 1 | 1 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 5 | 5 | FNMA 1005 | Yes | 74 | 30 | FNMA 1005 | No | 0 |  | N/A | Borrower - Wage - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower - Wage - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower - 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 33.32 | No | 30.8 | N/A | xxx | xxx | xxx |
| 12478201 | xxx |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.770% |  | No AUS | No | 8.707% |  | 8.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.98% | 41.98% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 0.22 | No | 33.08 | N/A | xxx | xxx | xxx |
| 17114841 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.770% |  | No AUS | No | 9.417% |  | 9.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.95% | 49.95% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | Less than 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 242 | 29 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 0.14 | No | 42.32 | N/A | xxx | xxx | xxx |
| 15136741 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.830% |  | No AUS | No | 10.563% |  | 10.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 28.28% | 28.28% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | Less than 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 115 | 30 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 24.91 | No | 84.98 | N/A | xxx | xxx | xxx |
| 14874630 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.830% |  | No AUS | No | 12.905% |  | 12.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  |  |  |  | 0.00% | 47.50% | 47.50% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Overtime and Bonus, Commission, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 30.38 | No | 79.94 | N/A | xxx | xxx | xxx |
| 11369768 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.880% |  | No AUS | No | 10.720% |  | 10.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.32% | 44.32% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 3.22 | No | 63.2 | N/A | xxx | xxx | xxx |
| 13290450 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.920% |  | No AUS | No | 12.285% |  | 11.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 44.45% | 44.45% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 112 | 30 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 6.56 | xxx | 7.37 | No | 75 | N/A | xxx | xxx | xxx |
| 13689251 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.920% |  | No AUS | No | 10.773% |  | 10.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.72% | 42.72% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 360 | 29 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Retirement, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Lease Agreements Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 1 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 40.31 | No | 43.93 | N/A | xxx | xxx | xxx |
| 16564430 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.880% |  | No AUS | No | 10.358% |  | 10.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 29.55% | 29.55% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 22.3 | No | 71.72 | N/A | xxx | xxx | xxx |
| 17352992 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.090% |  | No AUS | No | 10.210% |  | 9.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 30.80% | 30.80% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified | Borrower \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 32.85 | No | 74.72 | N/A | xxx | xxx | xxx |
| 19699734 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.920% |  | No AUS | No | 9.979% |  | 9.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 35.73% | 35.73% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 112 | 29 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 3.99 | No | 46.87 | N/A | xxx | xxx | xxx |
| 10171320 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.880% |  | No AUS | No | 9.097% |  | 8.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 34.23% | 34.23% | No |  |  |  |  |  |  |  | Retired |  |  |  |  |  | 1YR Full Doc | 1 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | Yes |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Retirement, SSI and Disability - 1 YR W2 1099 Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 10.81 | No | 72.18 | N/A | xxx | xxx | xxx |
| 15086569 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.880% |  | No AUS | No | 12.898% |  | 12.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.42% | 40.42% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 7.34 | No | 90 | N/A | xxx | xxx | xxx |
| 11785482 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.770% |  | No AUS | No | 7.831% |  | 7.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 39.72% | 39.54% | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | 2YR Full Doc | 2 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 84 | No | Yes | Yes | 6 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Asset Depletion - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, Personal Bank Statements Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 63.05 | No | 40.75 | N/A | xxx | xxx | xxx |
| 14939869 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.890% |  | No AUS | No | 12.841% |  | 12.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 41.04% | 41.04% | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | 2YR Full Doc | 2 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 192 | 192 | Work Number | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified \|\| Co Borrower | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | Permanent Resident Alien | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 28.07 | No | 84.87 | N/A | xxx | xxx | xxx |
| 13458952 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.830% |  | No AUS | No | 10.368% |  | 9.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 44.97% | 44.97% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 288 | 28 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .84 | xxx | 1.15 | No | 77.66 | N/A | xxx | xxx | xxx |
| 10989572 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.880% |  | No AUS | No | 12.798% |  | 12.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 36.06% | 36.06% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 125 | 125 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 0.62 | No | 79.98 | N/A | xxx | xxx | xxx |
| 17463536 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 10.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 48.87% | 48.87% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 220 | 220 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Wage, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, Lease Agreements Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Resident Alien |  | Real ID Driver's License |  | xxx | United States | xxx |  |  | I-151 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .82 | xxx | 12.26 | No | 50.58 | N/A | xxx | xxx | xxx |
| 10906349 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | Yes | No | N/A | Appendix Q Documentation | xxx | xxx | 6.770% |  | No AUS | No | 12.846% |  | 12.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 36.63% | 36.63% | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | 1YR Full Doc | 1 | 1 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified \|\| Co Borrower - SSI and Disability, Retirement - 1 YR W2 1099 Verified, Award Letter Verified - 2024 | Borrower \|\| Co Borrower - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 17.06 | No | 84.51 | N/A | xxx | xxx | xxx |
| 14799693 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.670% |  | No AUS | No | 9.895% |  | 9.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 18.64% | 18.64% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 33.33 | No | 34.41 | N/A | xxx | xxx | xxx |
| 16300985 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 11.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.043 | 1 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 30.81 | No | 66.17 | N/A | xxx | xxx | xxx |
| 10992285 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.930% |  | No AUS | No | 9.168% |  | 8.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.44% | 49.44% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 1 | NA | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | Yes | Yes | No | No | 0 | No | Yes | Yes | 12 | 0 | Yes | Yes | 12 | 0 | 32.76% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 461 | Yes | 25 | NA | 0 | 0 | N/A | Yes | 284 | 29 | FNMA 1005 | No | 0 |  |  | Borrower - SESoleProprietor, Other, Other - CPA Letter Verified, 2 YRS Executed 4506T Verified, Award Letter Verified, Personal Bank Statements Verified \|\| Co Borrower - SESoleProprietor, Wage, Other - CPA Letter Verified, 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified, Personal Bank Statements Verified | Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 31.97 | No | 68.07 | N/A | xxx | xxx | xxx |
| 15374567 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.890% |  | No AUS | No | 8.902% |  | 8.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.07% | 44.07% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 0 | 2 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Borrower Prepared | 17 | Borrower |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SEPartnership, Other - 2 YRS Business Tax Returns Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified | Borrower - 2 YRS Business Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 2.02 | No | 71.9 | N/A | xxx | xxx | xxx |
| 11704412 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.930% |  | No AUS | No | 10.408% |  | 9.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 34.10% | 34.10% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 33.39 | No | 79.82 | N/A | xxx | xxx | xxx |
| 13118550 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.880% |  | No AUS | No | 13.249% |  | 12.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.04% | 42.04% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 279 | 29 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 24.25 | No | 90 | N/A | xxx | xxx | xxx |
| 14548498 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.880% |  | No AUS | No | 9.888% |  | 9.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.40% | 43.40% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 119 | 28 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .31 | xxx | 0.31 | No | 52.8 | N/A | xxx | xxx | xxx |
| 13232041 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.670% |  | No AUS | No | 9.149% |  | 8.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.01% | 44.01% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 4.59 | No | 66.29 | N/A | xxx | xxx | xxx |
| 19048264 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.880% |  | No AUS | No | 12.324% |  | 11.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.89% | 44.89% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 0 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 28 | 28 | FNMA 1005 | Yes | 29 | 29 | FNMA 1005 | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified \|\| Co Borrower - Wage, Overtime and Bonus - 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 95.15 | xxx | 95.68 | No | 74.99 | N/A | xxx | xxx | xxx |
| 16226513 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.890% |  | No AUS | No | 8.853% |  | 8.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 44.53% | 44.53% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 1 | 2 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 120 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other - 1 YR Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, CPA Letter Verified, YTD Profit And Loss Verified, Balance Sheet Verified, 2 YRS Executed 4506T Verified, 1040 Schedule E Verified | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 2 YRS Executed 4506T Verified, 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 5.31 | xxx | 19.84 | No | 59.75 | Yes | xxx | xxx | xxx |
| 11294453 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.140% |  | No AUS | No | 9.548% |  | 9.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.81% | 44.81% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 293 | 30 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 10.35 | No | 57.12 | N/A | xxx | xxx | xxx |
| 10473516 | xxx |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.890% |  | No AUS | No | 10.347% |  | 9.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 41.27% | 41.27% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 31 | 27 | FNMA 1005 | Yes | 38 | 29 | FNMA 1005 | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 19.23 | No | 81.77 | N/A | xxx | xxx | xxx |
| 17366513 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.830% |  | No AUS | No | 11.548% |  | 11.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.94% | 42.94% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | NA |  | N/A | 0 |  |  | 2 | 2 |  |  | 0 | 3 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 17 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp, SESoleProprietor, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS W2 1099 Verified, 3 YRS IRS Transcripts Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 3 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 31.51 | No | 72.51 | N/A | xxx | xxx | xxx |
| 17763511 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.880% |  | No AUS | No | 10.239% |  | 9.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.74% | 42.74% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 1 | 1 |  |  | 1 | 1 | Yes |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | Tax Preparer |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation, SESoleProprietor, SSI and Disability - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, YTD Profit And Loss Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified, Award Letter Verified | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 6.97 | No | 66.7 | N/A | xxx | xxx | xxx |
| 16303035 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.880% |  | No AUS | No | 12.543% |  | 12.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 46.68% | 46.68% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 1 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2025 | Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2025 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 5.02 | No | 86.19 | N/A | xxx | xxx | xxx |
| 10001464 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.670% |  | No AUS | No | 8.398% |  | 8.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 13.46% | 13.46% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 53.17 | No | 49.46 | N/A | xxx | xxx | xxx |
| 18584389 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 8.990% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% | 0.00% |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.009 | 1.009 |  | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Passport |  | xxx | United States | xxx | USA | xxx | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | .00 | .00 | xxx | 29.81 | No | 62.24 | N/A | xxx | xxx | xxx |
| 10186153 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.670% |  | No AUS | No | 12.119% |  | 11.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.33% | 43.33% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 44.9 | No | 82.48 | N/A | xxx | xxx | xxx |
| 10288701 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.830% |  | No AUS | No | 11.006% |  | 10.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.94% | 49.94% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Borrower Prepared | 12 | Borrower |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | Entry Stamp |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 10.32 | No | 66.99 | N/A | xxx | xxx | xxx |
| 13113573 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.670% |  | No AUS | No | 10.688% |  | 10.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 18.99% | 18.99% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified, 1040 Schedule E Verified | Borrower - 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 39.32 | No | 74.53 | Yes | xxx | xxx | xxx |
| 10087819 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.880% |  | No AUS | No | 8.883% |  | 8.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | Monthly | 0.00% | 34.06% | 34.06% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 13 | 13 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 1 YR W2 1099 Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 25.65 | No | 52.8 | N/A | xxx | xxx | xxx |
| 11517700 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.890% |  | No AUS | No | 9.660% |  | 9.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 43.64% | 43.64% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 25.92 | No | 68.97 | N/A | xxx | xxx | xxx |
| 13291478 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 8.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 37.73% | 37.73% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | 1 Month |  | N/A | 0 |  |  | 1 | 0 |  |  | 1 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 360 | 31 | Work Number |  |  | 0 |  | No | 0 |  | No | Borrower - Wage, Overtime and Bonus, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 6.83 | No | 79.51 | N/A | xxx | xxx | xxx |
| 16181300 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.890% |  | No AUS | No | 13.496% |  | 12.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 39.69% | 39.69% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 39 | 29 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Commission - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 0 | No | 84.7 | N/A | xxx | xxx | xxx |
| 16449442 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.930% |  | No AUS | No | 11.746% |  | 11.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.22% | 44.22% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 145 | 145 | Work Number | Yes | 24 | 24 | Work Number | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage, Commission - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .15 | xxx | 0.15 | No | 79.82 | N/A | xxx | xxx | xxx |
| 12807583 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.670% |  | No AUS | No | 10.339% |  | 9.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 14.98% | 14.98% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 23.96 | No | 79.84 | N/A | xxx | xxx | xxx |
| 18041798 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.670% |  | No AUS | No | 10.263% |  | 9.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 31.81% | 31.81% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 13.53 | No | 75 | Yes | xxx | xxx | xxx |
| 19490766 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.770% |  | No AUS | No | 10.002% |  | 9.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 47.17% | 47.17% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 35.06 | No | 69.94 | Yes | xxx | xxx | xxx |
| 17216540 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.830% |  | No AUS | No | 9.420% |  | 8.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 47.50% | 47.50% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 57 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 54.84 | No | 74.84 | N/A | xxx | xxx | xxx |
| 13287255 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.292 | 1.292 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 2.60 | xxx | 59.05 | No | 74.99 | N/A | xxx | xxx | xxx |
| 18153271 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.770% |  | No AUS | No | 8.663% |  | 8.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 48.05% | 48.05% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 2 | 2 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Commission, SESoleProprietor, Family Owned Business - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 1.31 | No | 42.49 | N/A | xxx | xxx | xxx |
| 13348391 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 39.31% | 39.31% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 36.13 | No | 69.88 | N/A | xxx | xxx | xxx |
| 18937697 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.670% |  | No AUS | No | 9.172% |  | 8.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 35.12% | 35.12% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 27.17 | No | 32.87 | N/A | xxx | xxx | xxx |
| 13985166 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.670% |  | No AUS | No | 10.283% |  | 9.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 22.36% | 22.36% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 48.14 | No | 69.9 | N/A | xxx | xxx | xxx |
| 10347314 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.670% |  | No AUS | No | 8.511% |  | 8.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 26.83% | 26.83% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 16.82 | No | 47.2 | N/A | xxx | xxx | xxx |
| 15732542 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% | 0.00% | 0.00% |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.084 | 1.084 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | .00 | .00 | xxx | 52.41 | No | 69.88 | N/A | xxx | xxx | xxx |
| 10602978 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% | 0.00% | 0.00% |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.256 | 1.256 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 48.19 | No | 69.71 | N/A | xxx | xxx | xxx |
| 13589659 | xxx |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 11.354% |  | 10.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 33.07% | 33.07% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 18.39 | No | 59.98 | N/A | xxx | xxx | xxx |
| 19128278 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 10.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.184 | 1.16 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 48.69 | No | 59.97 | N/A | xxx | xxx | xxx |
| 15244053 | xxx |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.890% |  | No AUS | No | 10.324% |  | 9.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 29.75% | 29.75% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 33.2 | No | 84.5 | N/A | xxx | xxx | xxx |
| 11097209 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 10.170% |  | 9.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 10.83% | 10.83% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 28 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 19.39 | xxx | 19.39 | No | 79.86 | N/A | xxx | xxx | xxx |
| 17399236 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.770% |  | No AUS | No | 9.588% |  | 9.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.99% | 49.99% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 9.98 | No | 74.84 | N/A | xxx | xxx | xxx |
| 12374485 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 34.37% | 34.37% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 63.62 | No | 23.99 | N/A | xxx | xxx | xxx |
| 13399457 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.670% |  | No AUS | No | 8.156% |  | 8.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 22.49% | 22.49% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 24 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 24 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified \|\| Co Borrower | Borrower \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 28.42 | No | 35.51 | N/A | xxx | xxx | xxx |
| 14251224 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.770% |  | No AUS | No | 11.258% |  | 11.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 36.39% | 36.39% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 1YR Full Doc | 1 | 1 | NA | NA | N/A | 0 | N/A | 0 | 1 | 1 | 1 | 1 | 2 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 50.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESCorp, Subject Property Net Rental Income(Loss) if NOO - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, 1 YR W2 1099 Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023 \|\| Co Borrower - SESCorp - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, 1 YR W2 1099 Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023 \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 53.44 | No | 63.35 | N/A | xxx | xxx | xxx |
| 18401713 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.880% |  | No AUS | No | 10.042% |  | 9.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 41.39% | 41.39% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 16.96 | No | 73.57 | N/A | xxx | xxx | xxx |
| 18141574 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.930% |  | No AUS | No | 10.320% |  | 9.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.16% | 42.16% | No |  |  |  |  |  |  |  | Retired |  |  |  |  |  | W2/1099 Verified | 2 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SSI and Disability - 2 YRS W2 1099 Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 16.41 | No | 77.55 | N/A | xxx | xxx | xxx |
| 11893083 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.890% |  | No AUS | No | 10.911% |  | 10.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 35.32% | 35.32% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 1YR Full Doc | 2 | 1 | 1 Month | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 59 | 30 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower - Wage - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 26.59 | No | 78.45 | N/A | xxx | xxx | xxx |
| 18580763 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.890% |  | No AUS | No | 8.929% |  | 8.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 44.50% | 44.50% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 3 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 26.27 | No | 61.77 | N/A | xxx | xxx | xxx |
| 18889748 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.890% |  | No AUS | No | 10.517% |  | 10.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 38.86% | 38.86% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 9 | 9 | FNMA 1005 | Yes | 55 | 29 | Other | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 1.65 | No | 62.44 | N/A | xxx | xxx | xxx |
| 15111899 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.830% |  | No AUS | No | 13.002% |  | 12.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 41.23% | 41.23% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 115 | 29 | FNMA 1005 |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 9.89 | No | 88.41 | N/A | xxx | xxx | xxx |
| 13333550 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.800% |  | No AUS | No | 10.649% |  | 10.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 31.11% | 31.11% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 2 | 2 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 50.00% |  |  | Third-Party Prepared (Unaudited) | 5 | Accountant/Bookkeeper |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership, SEPartnership, SEPartnership, SEPartnership, Subject Property Net Rental Income(Loss) if NOO - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 37.56 | No | 78.95 | N/A | xxx | xxx | xxx |
| 16102711 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.890% |  | No AUS | No | 11.222% |  | 10.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 41.82% | 41.82% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 322 | 30 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 24.14 | No | 64.97 | N/A | xxx | xxx | xxx |
| 13012458 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.830% |  | No AUS | No | 8.476% |  | 8.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 38.70% | 38.70% | No | No |  |  |  |  |  |  | Not Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 2 | NA | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 1 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | Yes | N/A | 12 | 0 | 86.35% |  | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | Yes | 24 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower - SESoleProprietor, Wage - CPA Letter Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Personal Bank Statements Verified | Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 8.54 | No | 56.7 | N/A | xxx | xxx | xxx |
| 18515972 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.770% |  | No AUS | No | 8.534% |  | 8.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.77% | 42.77% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 11 | 11 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 14.46 | No | 41.71 | N/A | xxx | xxx | xxx |
| 12006059 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 10.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.189 | 1.189 |  | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 42.94 | No | 69.86 | N/A | xxx | xxx | xxx |
| 16367949 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 10.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.269 | 1.269 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 43.88 | No | 69.85 | N/A | xxx | xxx | xxx |
| 19719418 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.670% |  | No AUS | No | 8.354% |  | 8.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.52% | 43.52% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 228 | 30 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Other - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 13.96 | No | 47.47 | N/A | xxx | xxx | xxx |
| 15931865 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.670% |  | No AUS | No | 8.883% |  | 8.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 41.39% | 41.39% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 42 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 39.64 | No | 58.22 | Yes | xxx | xxx | xxx |
| 17782296 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 8.200% |  | 7.950% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 15.38% | 15.38% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Missing | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Missing CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 38.81 | No | 55.51 | N/A | xxx | xxx | xxx |
| 14802362 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 9.398% |  | 8.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 49.49% | 49.49% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 60 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 50 | 30 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Commission, Other, Asset Depletion - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 5.03 | xxx | 21.34 | No | 76.1 | N/A | xxx | xxx | xxx |
| 11199914 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 14.74% | 14.74% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 10.3 | No | 69.37 | N/A | xxx | xxx | xxx |
| 16418414 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | Yes | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 12.428% |  | 11.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 5.41% | 5.41% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 27.59 | No | 90 | N/A | xxx | xxx | xxx |
| 11035940 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 11.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.01 | 1.01 |  | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | .00 | .00 | xxx | 38.65 | No | 69.28 | N/A | xxx | xxx | xxx |
| 16570395 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.770% |  | No AUS | No | 8.249% |  | 8.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.77% | 49.77% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 1 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 0.00% |  | Borrower Prepared | 17 | Borrower | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 60 | 28 | FNMA 1005 | Yes | 102 | 30 | Work Number | No | 0 |  | N/A | Borrower - SESoleProprietor, Wage, Other REO Net Rental Income(Loss) - 1 YR Business Tax Returns Verified, YTD Profit And Loss Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 1 YR Business Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 16.6 | No | 79.54 | N/A | xxx | xxx | xxx |
| 13169426 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.890% |  | No AUS | No | 12.304% |  | 11.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.46% | 44.46% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | Yes |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Other - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 0.58 | No | 80 | N/A | xxx | xxx | xxx |
| 15018250 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.880% |  | No AUS | No | 10.142% |  | 9.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 34.34% | 34.34% | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | 2YR Full Doc | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Retirement, Retirement - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified \|\| Co Borrower | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 58.84 | No | 64.2 | N/A | xxx | xxx | xxx |
| 17360143 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.880% |  | No AUS | No | 13.479% |  | 12.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.54% | 41.54% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 26 | 30 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Commission - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7 | xxx | xxx | 1 | 86 |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 16.12 | No | 80 | N/A | xxx | xxx | xxx |
| 17332780 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.890% |  | No AUS | No | 13.494% |  | 12.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 37.93% | 37.93% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 33 | 24 | FNMA 1005 | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Executed 4506T Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified | Borrower - Executed 4506T Verified \|\| Co Borrower - Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 3.93 | No | 87.71 | N/A | xxx | xxx | xxx |
| 12463000 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.830% |  | No AUS | No | 13.445% |  | 12.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 39.44% | 39.44% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 113 | 30 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 10.04 | No | 79.49 | N/A | xxx | xxx | xxx |
| 14097487 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.670% |  | No AUS | No | 12.287% |  | 11.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 16.75% | 16.75% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 1 | 2 | 2+ Months | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 51 | 29 | Work Number | No | 0 |  | N/A | Borrower - Wage, SSI and Disability - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage, Wage, SSI and Disability - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 21.16 | No | 89.88 | N/A | xxx | xxx | xxx |
| 18933350 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.830% |  | No AUS | No | 9.660% |  | 9.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 46.50% | 46.50% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 96 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Personal Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .04 | xxx | 0.99 | No | 56.41 | N/A | xxx | xxx | xxx |
| 15164501 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 8.839% |  | 8.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 31.46% | 31.46% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 50.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | Yes | 24 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified \|\| Co Borrower - SEPartnership - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 7.78 | xxx | 7.78 | No | 69.3 | N/A | xxx | xxx | xxx |
| 17896883 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 12.529% |  | 12.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 37.19% | 37.19% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 17.76 | No | 90 | N/A | xxx | xxx | xxx |
| 10514312 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.770% |  | No AUS | No | 9.839% |  | 9.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 32.22% | 32.22% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 5.29 | No | 78.19 | N/A | xxx | xxx | xxx |
| 15955340 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.670% |  | No AUS | No | 9.380% |  | 9.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 16.80% | 16.80% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 33.33% |  |  | Audited | 12 | CPA |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 27.25 | No | 74.99 | N/A | xxx | xxx | xxx |
| 15166352 | xxx |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.180% |  | No AUS | No | 8.208% |  | 8.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 37.13% | 37.13% | No | No |  |  |  |  |  |  | Not Employed | Employed |  |  |  |  | 2YR Full Doc | 0 | 2 | NA | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 1 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | Yes | 0 | 0 | 0.00% |  | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 360 | 30 | Work Number | No | 0 |  |  | Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 41.69 | No | 39.65 | N/A | xxx | xxx | xxx |
| 14454618 | xxx |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.670% |  | No AUS | No | 9.752% |  | 9.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 44.26% | 44.26% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 36.23 | No | 74.78 | Yes | xxx | xxx | xxx |
| 13700634 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 9.826% |  | 9.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 25.44% | 25.44% | No | No |  |  |  |  |  |  | Not Employed | Employed |  |  |  |  | 1YR Full Doc | 0 | 0 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 11 | 11 | Work Number | No | 0 |  | N/A | Borrower - SSI and Disability - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower - Wage - 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 23.14 | No | 75 | N/A | xxx | xxx | xxx |
| 12948205 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.890% |  | No AUS | No | 9.361% |  | 9.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 39.96% | 39.96% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 62 | 30 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 35.59 | No | 69.95 | N/A | xxx | xxx | xxx |
| 17412880 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.670% |  | No AUS | No | 10.346% |  | 9.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 28.39% | 28.39% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 32.02 | No | 79.56 | N/A | xxx | xxx | xxx |
| 18184172 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.247 | 1.24 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 54.21 | No | 69.92 | N/A | xxx | xxx | xxx |
| 13650681 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 11.025% |  | 10.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 46.64% | 46.64% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 2YR Full Doc | 2 | 0 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 2 | 2 | 2 | 2 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | Yes | 24 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, SESoleProprietor - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, CPA Letter Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, CPA Letter Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 3.19 | xxx | 6.81 | No | 84.5 | N/A | xxx | xxx | xxx |
| 12411048 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.770% |  | No AUS | No | 10.624% |  | 10.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 36.79% | 36.79% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 17 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 14.15 | No | 75 | N/A | xxx | xxx | xxx |
| 17072037 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 9.761% |  | 9.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.21% | 49.21% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 83.31% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified \|\| Co Borrower - N/A | Borrower \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 4.24 | xxx | 61.66 | No | 53.72 | N/A | xxx | xxx | xxx |
| 11720719 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 8.521% |  | 8.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 29.65% | 29.65% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 115 | 30 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 59.92 | No | 69.99 | N/A | xxx | xxx | xxx |
| 15585343 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.010% |  | No AUS | No | 11.518% |  | 10.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 35.90% | 35.90% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 312 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 20.58 | No | 63.36 | N/A | xxx | xxx | xxx |
| 16178808 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 8.795% |  | 8.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 45.25% | 45.25% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 99.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 27.54 | No | 43.6 | N/A | xxx | xxx | xxx |
| 12194472 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | Yes | No | N/A | Appendix Q Documentation | xxx | xxx | 6.670% |  | No AUS | No | 9.022% |  | 8.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.04% | 49.04% | No |  |  |  |  |  |  |  | Retired |  |  |  |  |  | Asset Depletion – Total Asset Calculation | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | Yes | No | 60 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SSI and Disability, Military and Government Assistance, Asset Depletion, Other REO Net Rental Income(Loss) | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 31.72 | No | 60.39 | N/A | xxx | xxx | xxx |
| 18900644 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.790% |  | No AUS | No | 9.724% |  | 9.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 16.42% | 16.42% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Accountant/Bookkeeper |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 56.75 | No | 79.91 | N/A | xxx | xxx | xxx |
| 16354782 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 11.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.015 | 1.015 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 51.9 | No | 65.97 | N/A | xxx | xxx | xxx |
| 13433889 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.770% |  | No AUS | No | 9.014% |  | 8.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.50% | 49.50% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 78.02% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp, Asset Depletion - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 50.05 | xxx | 62.63 | No | 54.22 | N/A | xxx | xxx | xxx |
| 19107955 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.670% |  | No AUS | No | 11.587% |  | 11.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.96% | 42.96% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 12 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 36 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Personal Bank Statements Verified, Business Bank Statements Verified \|\| Co Borrower - N/A - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 8.99 | xxx | 37.89 | No | 84.99 | N/A | xxx | xxx | xxx |
| 15995274 | xxx |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.790% |  | No AUS | No | 12.989% |  | 12.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 42.03% | 42.03% | No |  |  |  |  |  |  |  | Retired |  |  |  |  |  | 1YR Full Doc | 1 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Retirement, SSI and Disability - 1 YR W2 1099 Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 17.15 | No | 79.86 | N/A | xxx | xxx | xxx |
| 17358869 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.301 | 1.301 |  | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 14.5 | No | 67.64 | N/A | xxx | xxx | xxx |
| 15521124 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.01 | 1.01 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | .00 | .00 | xxx | 58.59 | No | 75.06 | N/A | xxx | xxx | xxx |
| 14522515 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 8.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 34.99% | 34.99% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 1 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 90 | 30 | Work Number |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 46.35 | No | 52.02 | N/A | xxx | xxx | xxx |
| 15490415 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 38.02% | 38.02% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 84 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 40.28 | xxx | 40.28 | No | 64.07 | N/A | xxx | xxx | xxx |
| 12771934 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.920% |  | No AUS | No | 11.228% |  | 10.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 33.50% | 33.50% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | N/A | 0 | 24 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 84 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 1.3 | No | 69.81 | N/A | xxx | xxx | xxx |
| 16390279 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.20% | 41.20% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 92 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 21.66 | No | 70 | N/A | xxx | xxx | xxx |
| 11253692 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.870% |  | No AUS | No | 8.997% |  | 8.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 28.34% | 28.34% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Accountant/Bookkeeper |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 62.72 | No | 69.41 | N/A | xxx | xxx | xxx |
| 15642141 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.830% |  | No AUS | No | 9.311% |  | 8.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  |  |  |  | 0.00% | 45.11% | 45.11% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 12 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified \|\| Co Borrower | Borrower \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 51.91 | No | 79.95 | N/A | xxx | xxx | xxx |
| 11111752 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.200% |  | No AUS | No | 9.388% |  | 9.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 44.55% | 44.55% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 73 | 29 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 9.73 | No | 70.29 | N/A | xxx | xxx | xxx |
| 13633339 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 11.481% |  | 11.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 33.83% | 33.83% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 171 | 29 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 0.05 | No | 84.88 | N/A | xxx | xxx | xxx |
| 10481422 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 12.608% |  | 12.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 47.75% | 47.75% | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | 1YR Full Doc | 1 | 1 | 2+ Months | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 1 | Yes | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 19 | 17 | FNMA 1005 | Yes | 102 | 31 | FNMA 1005 | No | 0 |  | N/A | Borrower - Wage, Commission, Retirement - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Award Letter Verified \|\| Co Borrower - Wage, Overtime and Bonus - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 15.59 | No | 79.8 | N/A | xxx | xxx | xxx |
| 15029732 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.790% |  | No AUS | No | 10.356% |  | 10.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 32.35% | 32.35% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 6 | 5 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 9.15 | No | 89.82 | N/A | xxx | xxx | xxx |
| 10670354 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.670% |  | No AUS | No | 9.991% |  | 9.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 48.70% | 48.70% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 30 | 24 | Work Number | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Passport |  | xxx | United States | xxx | USA | xxx | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 25.02 | No | 53.17 | N/A | xxx | xxx | xxx |
| 10778316 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 8.990% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.169 | 1.169 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 9.66 | No | 66.69 | N/A | xxx | xxx | xxx |
| 17792294 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.790% |  | No AUS | No | 9.035% |  | 8.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 35.82% | 35.82% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 50.86 | No | 61.17 | N/A | xxx | xxx | xxx |
| 19905987 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 13.497% |  | 12.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 39.94% | 39.94% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 1YR Full Doc | 1 | 1 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower - Wage - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 21.55 | No | 77.8 | N/A | xxx | xxx | xxx |
| 12945685 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.880% |  | No AUS | No | 11.819% |  | 11.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 42.61% | 42.61% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 18.46 | No | 74.99 | N/A | xxx | xxx | xxx |
| 18691868 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.090% |  | No AUS | No | 11.108% |  | 10.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 40.60% | 40.60% | No |  |  |  |  |  |  |  | Retired |  |  |  |  |  | 1YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 1 | Yes |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Retirement - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Award Letter Verified - 2024 | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 25.27 | No | 56.51 | N/A | xxx | xxx | xxx |
| 12333934 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.770% |  | No AUS | No | 9.488% |  | 9.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 25.92% | 25.92% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 95 | 29 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 23.57 | No | 67.28 | N/A | xxx | xxx | xxx |
| 18863873 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.830% |  | No AUS | No | 11.600% |  | 11.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 45.00% | 45.00% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 25 | 25 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 37.83 | No | 69.09 | N/A | xxx | xxx | xxx |
| 13741312 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.670% |  | No AUS | No | 10.181% |  | 9.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 42.91% | 42.91% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 113 | 29 | FNMA 1005 | Yes | 31 | 31 | FNMA 1005 | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified | Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 19.96 | No | 79.9 | N/A | xxx | xxx | xxx |
| 18576974 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 12.049% |  | 11.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 35.11% | 35.11% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 98 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 21.98 | No | 69.82 | N/A | xxx | xxx | xxx |
| 11143764 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 8.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 27.41% | 27.41% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 155 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 48.03 | No | 54.52 | N/A | xxx | xxx | xxx |
| 16299608 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.770% |  | No AUS | No | 10.041% |  | 9.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 41.68% | 41.68% | No | No |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 1 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | Yes | Yes | 0 | 12 | 57.59% | 0.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower - SESoleProprietor - Business Bank Statements Verified | Borrower - 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 7.22 | No | 77.78 | N/A | xxx | xxx | xxx |
| 11554432 | xxx |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.670% |  | No AUS | No | 8.413% |  | 8.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 45.95% | 45.95% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 24 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 24 | No | N/A | 0 | 0 | 88.42% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 138 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, SESoleProprietor - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified \|\| Co Borrower - SSI and Disability - 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 42.9 | No | 37.33 | N/A | xxx | xxx | xxx |
| 11201941 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 10.577% |  | 9.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 25.68% | 25.68% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 233 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 25.73 | No | 38.48 | N/A | xxx | xxx | xxx |
| 13937495 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.790% |  | No AUS | No | 12.030% |  | 11.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.52% | 42.52% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 25.55 | No | 64.62 | N/A | xxx | xxx | xxx |
| 16853136 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.830% |  | No AUS | No | 9.361% |  | 8.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.50% | 42.50% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 1YR Full Doc | 1 | 1 | 1 Month | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 298 | 6 | Work Number | Yes | 65 | 31 | FNMA 1005 | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower - Wage - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 1 YR IRS Transcripts Verified | Borrower - 1 YR IRS Transcripts Verified \|\| Co Borrower - 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 10.54 | No | 54.86 | N/A | xxx | xxx | xxx |
| 15605917 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 8.913% |  | 8.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.88% | 44.88% | No | No |  |  |  |  |  |  | Not Employed | Not Employed |  |  |  |  | W2/1099 Verified | 1 | 1 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 1 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Retirement - 1 YR W2 1099 Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower - Retirement, Military and Government Assistance - 1 YR W2 1099 Verified, 1 YR IRS Transcripts Verified | Borrower - 1 YR IRS Transcripts Verified \|\| Co Borrower - 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 33.63 | No | 51.01 | N/A | xxx | xxx | xxx |
| 18057770 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.880% |  | No AUS | No | 10.455% |  | 10.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 31.23% | 31.23% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 43 | 30 | Work Number | Yes | 108 | 30 | Work Number | No | 0 |  |  | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 6.48 | No | 72.77 | N/A | xxx | xxx | xxx |
| 11098243 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 12.973% |  | 12.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 39.28% | 39.28% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | Yes | 4 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 20 | 20 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 25.34 | No | 84.77 | N/A | xxx | xxx | xxx |
| 19103842 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.400% |  | No AUS | No | 11.617% |  | 10.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 40.51% | 40.51% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 2 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Non Permanent Resident Alien | Non-Permanent Resident Alien | N/A | Other | USA Patriot Act | xxx | USA | xxx |  |  | Employment Authorization Document (I-821D) |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 6.73 | No | 75.27 | N/A | xxx | xxx | xxx |
| 10002425 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 11.965% |  | 11.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 44.77% | 44.77% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 216 | 31 | FNMA 1005 | Yes | 31 | 31 | FNMA 1005 | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 1.95 | xxx | 4.65 | No | 73.01 | N/A | xxx | xxx | xxx |
| 10088409 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 9.927% |  | 9.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 39.18% | 39.18% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 50 | 31 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 8.73 | No | 69.01 | N/A | xxx | xxx | xxx |
| 11643495 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 12.372% |  | 12.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 32.60% | 32.60% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 14 | 14 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Non Permanent Resident Alien | Non-Permanent Resident Alien | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | Employment Authorization Document (I-821D) |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 23.93 | xxx | 23.93 | No | 81.27 | N/A | xxx | xxx | xxx |
| 18376863 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.790% |  | No AUS | No | 9.120% |  | 8.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 23.57% | 23.57% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 184 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 10.2 | No | 62.96 | N/A | xxx | xxx | xxx |
| 13043462 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 9.849% |  | 9.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 47.90% | 47.90% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 0 | 2 | NA | Less than 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 73.07% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | Yes | 160 | 30 | FNMA 1005 | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 16.57 | No | 62.09 | N/A | xxx | xxx | xxx |
| 13722815 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.770% |  | No AUS | No | 10.571% |  | 10.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 21.10% | 21.10% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 75.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 30.4 | No | 59.67 | N/A | xxx | xxx | xxx |
| 14462365 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.670% |  | No AUS | No | 12.867% |  | 12.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 19.35% | 19.35% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 252 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Executed 4506T Verified, Business Bank Statements Verified | Borrower - Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 6.16 | xxx | 6.16 | No | 78.25 | N/A | xxx | xxx | xxx |
| 11032947 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 10.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 33.83% | 33.83% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 24.98 | No | 70 | N/A | xxx | xxx | xxx |
| 11539980 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.400% |  | No AUS | No | 10.638% |  | 10.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 38.63% | 38.63% | No | No |  |  |  |  |  |  | Retired | Retired |  |  |  |  | W2/1099 Verified | 1 | 1 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Retirement - 1 YR W2 1099 Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024 \|\| Co Borrower - Retirement - 1 YR W2 1099 Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024 | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024 \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 13.88 | No | 48.89 | N/A | xxx | xxx | xxx |
| 12754297 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.670% |  | No AUS | No | 10.458% |  | 9.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 38.30% | 38.30% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 203 | 31 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 27.04 | No | 63.57 | N/A | xxx | xxx | xxx |
| 19025593 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.770% |  | No AUS | No | 9.363% |  | 9.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 26.69% | 26.69% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 33 | 30 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 47.15 | No | 71.09 | N/A | xxx | xxx | xxx |
| 14252382 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.670% |  | No AUS | No | 11.608% |  | 11.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 47.82% | 47.82% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 2 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 24 | 24 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Lease Agreements Verified | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 15.02 | No | 56.44 | N/A | xxx | xxx | xxx |
| 11068345 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.790% |  | No AUS | No | 12.885% |  | 12.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 32.40% | 32.40% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 29 | 29 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Commission, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 12.29 | No | 75.46 | N/A | xxx | xxx | xxx |
| 13215205 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.890% |  | No AUS | No | 10.447% |  | 10.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.41% | 40.41% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 38.36 | No | 74.38 | N/A | xxx | xxx | xxx |
| 16085533 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.880% |  | No AUS | No | 9.743% |  | 9.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 33.40% | 33.40% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 2 | 2 |  |  | 2 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 19.11 | No | 73.22 | N/A | xxx | xxx | xxx |
| 14485385 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.011 | 1.01 |  | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 40.33 | No | 66.86 | N/A | xxx | xxx | xxx |
| 15809849 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 8.698% |  | 8.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 48.52% | 48.52% | No | No |  |  |  |  |  |  | Not Employed | Not Employed |  |  |  |  | Full Documentation | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 12 | No | Yes | Yes | 12 | 0 | Yes | N/A | 12 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Retirement - Personal Bank Statements Verified \|\| Co Borrower - Personal Bank Statements Verified | Borrower \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Passport |  | xxx | United States | xxx | USA | xxx | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 2.19 | No | 74.71 | N/A | xxx | xxx | xxx |
| 11433841 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.670% |  | No AUS | No | 9.301% |  | 8.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 20.44% | 20.44% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp - Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 0.68 | No | 74.66 | N/A | xxx | xxx | xxx |
| 18636454 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 9.221% |  | 8.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 45.47% | 45.47% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 1YR Full Doc | 1 | 1 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 110 | 36 | Other | Yes | 129 | 36 | Work Number | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower - Wage, Overtime and Bonus - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 52.02 | No | 71.17 | N/A | xxx | xxx | xxx |
| 16173664 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.790% |  | No AUS | No | 10.713% |  | 10.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 39.07% | 39.07% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 95.67% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 105 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified, Lease Agreements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 39.31 | No | 69.72 | N/A | xxx | xxx | xxx |
| 16635873 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 9.075% |  | 8.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.13% | 44.13% | No | No |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 1 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | Yes | Yes | 0 | 12 | 33.94% | 0.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | Yes | 36 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified | Borrower \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Passport |  | xxx | United States | xxx | USA | xxx | N/A |  |  | US Citizen | US Citizen | N/A | Passport |  | xxx | United States | xxx | USA | xxx | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 2.73 | No | 77.81 | N/A | xxx | xxx | xxx |
| 14496612 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.480% |  | No AUS | No | 10.662% |  | 10.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 35.11% | 35.11% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 87 | 30 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 1.63 | xxx | 32.87 | No | 75 | N/A | xxx | xxx | xxx |
| 15594730 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.830% |  | No AUS | No | 11.071% |  | 10.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 30.35% | 30.35% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 99 | 31 | FNMA 1005 |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Commission - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 4.99 | No | 90 | N/A | xxx | xxx | xxx |
| 13516568 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.770% |  | No AUS | No | 9.999% |  | 9.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 38.97% | 38.97% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | Yes |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 111 | 30 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, SSI and Disability - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 26.74 | No | 72.71 | N/A | xxx | xxx | xxx |
| 14238641 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.890% |  | No AUS | No | 9.863% |  | 9.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 36.57% | 36.57% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 174 | 30 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 30.64 | No | 66.19 | N/A | xxx | xxx | xxx |
| 17403123 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.880% |  | No AUS | No | 12.555% |  | 12.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.03% | 40.03% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 10.59 | No | 78.79 | N/A | xxx | xxx | xxx |
| 19384125 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.890% |  | No AUS | No | 13.054% |  | 12.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 42.76% | 42.76% | No |  |  |  |  |  |  |  | Retired |  |  |  |  |  | 1YR Full Doc | 1 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Retirement, SSI and Disability - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 5.01 | No | 80 | N/A | xxx | xxx | xxx |
| 14739755 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.770% |  | No AUS | No | 9.723% |  | 9.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 44.29% | 44.29% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 307 | 29 | Work Number | Yes | 30 | 29 | Work Number | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 0 | No | 79.84 | N/A | xxx | xxx | xxx |
| 12854507 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.790% |  | No AUS | No | 8.914% |  | 8.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.44% | 43.44% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 80.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 11.61 | No | 68.84 | N/A | xxx | xxx | xxx |
| 17368774 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.790% |  | No AUS | No | 9.269% |  | 8.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 47.00% | 47.00% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 1 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, Lease Agreements Verified, 1040 Schedule E Verified | Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 14.7 | No | 74.98 | N/A | xxx | xxx | xxx |
| 12865776 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 8.521% |  | 8.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 26.12% | 26.12% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 120 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 42.06 | No | 51.63 | N/A | xxx | xxx | xxx |
| 16057026 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.582 | 1.582 |  | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | .00 | .00 | xxx | 28.6 | No | 59.09 | N/A | xxx | xxx | xxx |
| 10620462 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 9.367% |  | 9.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 34.12% | 34.12% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 258 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 13.78 | No | 75 | N/A | xxx | xxx | xxx |
| 12528721 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.770% |  | No AUS | No | 8.458% |  | 8.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.28% | 41.28% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 17.57 | No | 62.52 | N/A | xxx | xxx | xxx |
| 11178528 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.890% |  | No AUS | No | 10.335% |  | 9.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.02% | 43.02% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 246 | 30 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 48.04 | xxx | 69.55 | No | 78.22 | N/A | xxx | xxx | xxx |
| 19562499 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 5.910% |  | No AUS | No | 10.686% |  | 10.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 37.57% | 37.57% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 150 | 31 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 17.19 | No | 50.67 | N/A | xxx | xxx | xxx |
| 11738519 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 11.797% |  | 11.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.65% | 44.65% | No | No |  |  |  |  |  |  | Retired | Employed |  |  |  |  | 2YR Full Doc | 0 | 2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | Yes | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 78 | 30 | Work Number | No | 0 |  |  | Borrower - Other - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - 2025 \|\| Co Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 9.08 | No | 70.73 | N/A | xxx | xxx | xxx |
| 14582406 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.670% |  | No AUS | No | 10.302% |  | 9.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.72% | 43.72% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 18.31 | No | 72.25 | N/A | xxx | xxx | xxx |
| 16496706 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.670% |  | No AUS | No | 11.240% |  | 10.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 44.92% | 44.92% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 1 YR Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 1 YR Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 1 YR Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 1 YR Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 7.41 | No | 79.57 | N/A | xxx | xxx | xxx |
| 19666946 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.770% |  | No AUS | No | 12.445% |  | 12.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 40.51% | 40.51% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 71 | 30 | Other |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Subject Property Net Rental Income(Loss) if NOO - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 10.13 | No | 79.88 | N/A | xxx | xxx | xxx |
| 13351567 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.110% |  | No AUS | No | 11.346% |  | 10.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 39.03% | 39.03% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7 | xxx | xxx | 0 | 109 |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 10.25 | No | 66.48 | Yes | xxx | xxx | xxx |
| 18821264 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.015 | 1.015 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | .00 | .00 | xxx | 6.16 | No | 63.95 | Yes | xxx | xxx | xxx |
| 15414722 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 10.858% |  | 10.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.75% | 49.75% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 58.47 | No | 69.97 | N/A | xxx | xxx | xxx |
| 17391351 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 12.895% |  | 12.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.87% | 40.87% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 60.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Resident Alien |  | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | I-151 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 28.13 | No | 84.75 | N/A | xxx | xxx | xxx |
| 14910323 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.790% |  | No AUS | No | 9.840% |  | 9.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 45.53% | 45.53% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 2 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 16.83 | No | 66.64 | N/A | xxx | xxx | xxx |
| 17631098 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.670% |  | No AUS | No | 8.922% |  | 8.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 34.83% | 34.83% | Yes | Yes |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 1 Month | N/A | 0 | N/A | 0 | 2 | 0 | 1 | 0 | 0 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified \|\| Co Borrower - Wage - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | Permanent Resident Alien | Permanent Resident Alien | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 22.65 | No | 43.06 | N/A | xxx | xxx | xxx |
| 19032999 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 8.817% |  | 8.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 49.22% | 49.22% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 1YR Full Doc | 1 | 1 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 192 | 17 | Work Number | No | 0 |  |  | Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower - 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 12.07 | No | 56.25 | N/A | xxx | xxx | xxx |
| 15841319 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.790% |  | No AUS | No | 9.733% |  | 9.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 15.05% | 15.05% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | Yes | Borrower - SESCorp, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Passport |  | xxx | United States | xxx | United States | xxx | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 19.54 | No | 74.9 | N/A | xxx | xxx | xxx |
| 10757216 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.890% |  | No AUS | No | 11.907% |  | 11.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.78% | 49.78% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 3 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Overtime and Bonus, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 0.04 | No | 85 | N/A | xxx | xxx | xxx |
| 16016379 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 8.856% |  | 8.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.55% | 41.55% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 45.53 | No | 66.43 | N/A | xxx | xxx | xxx |
| 12266419 | xxx |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 8.089% |  | 8.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 36.96% | 36.96% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 2 | 0 | 2 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified \|\| Co Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 53.55 | No | 63.59 | N/A | xxx | xxx | xxx |
| 16479989 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.670% |  | No AUS | No | 8.938% |  | 8.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 39.77% | 39.77% | No | No |  |  |  |  |  |  | Not Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | Yes | Yes | 0 | 12 | 100.00% |  | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower \|\| Co Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified | Borrower \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 38.29 | No | 79.32 | N/A | xxx | xxx | xxx |
| 13322357 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 8.605% |  | 8.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 35.95% | 35.95% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 50.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 192 | Yes | 192 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SEPartnership, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified \|\| Co Borrower - SEPartnership - CPA Letter Verified, Business Bank Statements Verified | Borrower \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 46.92 | No | 66.11 | N/A | xxx | xxx | xxx |
| 10800394 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.790% |  | No AUS | No | 8.442% |  | 8.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 23.65% | 23.65% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 60 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified \|\| Co Borrower | Borrower \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Yes | N/A | .00 | .00 | xxx | 18.32 | No | 64.71 | N/A | xxx | xxx | xxx |
| 19440006 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.890% |  | No AUS | No | 9.791% |  | 9.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.69% | 40.69% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 14 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 9.85 | No | 74.69 | N/A | xxx | xxx | xxx |
| 10571939 | xxx |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 10.187% |  | 9.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 46.51% | 46.51% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Retirement - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 1.4 | No | 83 | N/A | xxx | xxx | xxx |
| 16478245 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 11.188% |  | 10.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 37.68% | 37.68% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 23 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 35.31 | No | 85.71 | N/A | xxx | xxx | xxx |
| 19589011 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 9.939% |  | 9.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 22.95% | 22.95% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | Yes |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 92.73% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, SESoleProprietor, Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, Award Letter Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 17.67 | No | 74.05 | N/A | xxx | xxx | xxx |
| 12216141 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.770% |  | No AUS | No | 12.919% |  | 12.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 40.60% | 40.60% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 16.22 | No | 88.88 | N/A | xxx | xxx | xxx |
| 10103982 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.790% |  | No AUS | No | 11.498% |  | 11.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 43.57% | 43.57% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 1 YR Executed 4506T Verified | Borrower - 1 YR Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 0 | No | 87.38 | N/A | xxx | xxx | xxx |
| 12069898 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.790% |  | No AUS | No | 13.433% |  | 12.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.89% | 49.89% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 16.97 | No | 89.92 | N/A | xxx | xxx | xxx |
| 16757336 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.510% |  | No AUS | No | 9.482% |  | 8.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.97% | 42.97% | No | No |  |  |  |  |  |  | Retired | Employed |  |  |  |  | 1YR Full Doc | 0 | 0 | NA | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | Yes | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 222 | 30 | FNMA 1005 | No | 0 |  | N/A | Borrower - SSI and Disability - 2 YRS Executed 4506T Verified, Award Letter Verified - 2025 \|\| Co Borrower - Wage - 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified - 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 17.2 | No | 35.59 | N/A | xxx | xxx | xxx |
| 14903938 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 9.756% |  | 9.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 42.00% | 42.00% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Other - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 6.90 | xxx | 20.59 | No | 74.97 | Yes | xxx | xxx | xxx |
| 11138925 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 8.777% |  | 8.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 37.31% | 37.31% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | Tax Preparer |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2025 | Borrower - 2025 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 12.56 | No | 36.76 | N/A | xxx | xxx | xxx |
| 10179787 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.670% |  | No AUS | No | 9.518% |  | 8.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 44.97% | 44.23% | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | 2YR Full Doc | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified \|\| Co Borrower - Other | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 13.28 | No | 75.54 | N/A | xxx | xxx | xxx |
| 11311809 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 9.564% |  | 9.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.78% | 49.78% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 240 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | I-151 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 25.75 | No | 74.22 | N/A | xxx | xxx | xxx |
| 16806020 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.790% |  | No AUS | No | 9.221% |  | 8.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 25.58% | 25.58% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 22.17 | No | 79.75 | N/A | xxx | xxx | xxx |
| 19253528 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.670% |  | No AUS | No | 11.645% |  | 10.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 32.83% | 32.83% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 1 | Yes |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 7 | 7 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Retirement - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified, Award Letter Verified | Borrower - 3 YRS Executed 4506T Verified, IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 46.28 | No | 66.58 | N/A | xxx | xxx | xxx |
| 10134464 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.080% |  | No AUS | No | 9.654% |  | 8.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.77% | 44.77% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 2YR Full Doc | 0 | 2 | NA | 1 Month | N/A | 0 | N/A | 0 | 2 | 0 | 0 | 0 | 3 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 0.00% |  | Borrower Prepared | 6 | Borrower | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - 2 YRS Personal Tax Returns Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 3.32 | No | 74.45 | N/A | xxx | xxx | xxx |
| 10444748 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.890% |  | No AUS | No | 9.247% |  | 8.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 33.98% | 33.98% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 109 | 29 | Work Number | Yes | 153 | 29 | FNMA 1005 | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 51.87 | No | 76.71 | N/A | xxx | xxx | xxx |
| 18779129 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.670% |  | No AUS | No | 9.588% |  | 9.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 33.54% | 33.54% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 |  |  | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 31 | 31 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 6.02 | No | 62.45 | N/A | xxx | xxx | xxx |
| 16933213 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.670% |  | No AUS | No | 11.568% |  | 11.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 39.01% | 39.01% | No | No |  |  |  |  |  |  | Retired | Employed |  |  |  |  | W2/1099 Verified | 1 | 0 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 1 | Yes | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SSI and Disability - 1 YR W2 1099 Verified, IRS Transcripts Verified, Award Letter Verified \|\| Co Borrower - Wage - 1 Month Paystubs Verified, 1 YR IRS Transcripts Verified - 2024 | Borrower - IRS Transcripts Verified \|\| Co Borrower - 1 YR IRS Transcripts Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 26.85 | No | 69.48 | N/A | xxx | xxx | xxx |
| 19689340 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.830% |  | No AUS | No | 9.661% |  | 9.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 43.89% | 43.90% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 42.33 | No | 72.42 | N/A | xxx | xxx | xxx |
| 15755312 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 10.229% |  | 10.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 25.00% | 25.00% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 144 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Executed 4506T Verified, Business Bank Statements Verified | Borrower - Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 15.38 | No | 80 | N/A | xxx | xxx | xxx |
| 17546117 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 10.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 2.433 | 2.444 |  | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | .00 | .00 | xxx | 48.71 | No | 32.98 | N/A | xxx | xxx | xxx |
| 12759966 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 10.342% |  | 9.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 38.70% | 38.70% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 44.9 | No | 74.79 | N/A | xxx | xxx | xxx |
| 16256887 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 10.411% |  | 9.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 16.61% | 16.61% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 19.28 | xxx | 53.06 | No | 67.76 | N/A | xxx | xxx | xxx |
| 16161161 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.830% |  | No AUS | No | 9.235% |  | 8.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 34.30% | 34.30% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 29.64 | No | 55.49 | N/A | xxx | xxx | xxx |
| 18099670 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.790% |  | No AUS | No | 8.761% |  | 8.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 29.25% | 29.25% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 25.14 | No | 50.53 | N/A | xxx | xxx | xxx |
| 16955032 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.810% |  | No AUS | No | 9.671% |  | 9.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 48.55% | 48.55% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 174 | 30 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 8.18 | No | 71.59 | N/A | xxx | xxx | xxx |
| 14916313 | xxx |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 9.967% |  | 9.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 47.28% | 47.28% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 1 YR Executed 4506T Verified | Borrower - 1 YR Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 5.46 | No | 68.77 | N/A | xxx | xxx | xxx |
| 14387844 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 10.756% |  | 10.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 25.12% | 25.12% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 90.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 18.75 | No | 79.5 | N/A | xxx | xxx | xxx |
| 15536871 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.790% |  | No AUS | No | 8.653% |  | 8.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 25.36% | 25.36% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 50.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership - Business Bank Statements Verified \|\| Co Borrower - SEPartnership - Business Bank Statements Verified | Borrower \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 49.26 | No | 65.11 | N/A | xxx | xxx | xxx |
| 17005109 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.790% |  | No AUS | No | 8.368% |  | 8.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.56% | 44.56% | No | No |  |  |  |  |  |  | Retired | Retired |  |  |  |  | 1YR Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 84 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SSI and Disability, Asset Depletion - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - SSI and Disability - 2025 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 2025 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 66.44 | No | 53.89 | N/A | xxx | xxx | xxx |
| 13830201 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 33.12% | 33.12% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 41.12 | No | 70.05 | N/A | xxx | xxx | xxx |
| 13938211 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 9.158% |  | 8.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 24.33% | 24.33% | No | No |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 34.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 110 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SEPartnership, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  | US |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 25.4 | No | 72.35 | N/A | xxx | xxx | xxx |
| 10719872 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 9.552% |  | 9.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 4.39% | 4.39% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 97.06% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 102 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 9.9 | No | 79.55 | N/A | xxx | xxx | xxx |
| 11150019 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 10.828% |  | 10.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.61% | 44.61% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | Yes |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 30 | 30 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Retirement - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 4.55 | No | 53.99 | N/A | xxx | xxx | xxx |
| 11520810 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 9.995% |  | 9.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 38.36% | 38.36% | No | No |  |  |  |  |  |  | Employed | Retired |  |  |  |  | 2YR Full Doc | 2 | 0 | Less than 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Retirement - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 0 | No | 71.73 | N/A | xxx | xxx | xxx |
| 19175367 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.200% |  | No AUS | No | 9.035% |  | 8.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.46% | 42.46% | No | No |  |  |  |  |  |  | Employed | Retired |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 13 | 31 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified \|\| Co Borrower - Retirement, SSI and Disability - 2 YRS W2 1099 Verified, 3 YRS Executed 4506T Verified, Award Letter Verified | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 9.78 | No | 51.4 | N/A | xxx | xxx | xxx |
| 17023990 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 11.171% |  | 10.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 39.57% | 39.57% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 35 | 31 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 17.7 | No | 78.06 | N/A | xxx | xxx | xxx |
| 13415957 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.670% |  | No AUS | No | 12.188% |  | 11.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 32.45% | 32.45% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 24.78 | No | 70.33 | N/A | xxx | xxx | xxx |
| 16080555 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 9.609% |  | 9.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 46.96% | 46.96% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 231 | 31 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Other - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 19.05 | No | 56.49 | N/A | xxx | xxx | xxx |
| 13763119 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 10.231% |  | 10.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 47.34% | 47.34% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 98.25% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, SESoleProprietor, SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 27.45 | No | 70.91 | N/A | xxx | xxx | xxx |
| 12497155 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 11.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.103 | 1.099 |  | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 29.95 | No | 79.9 | N/A | xxx | xxx | xxx |
| 18831238 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.790% |  | No AUS | No | 8.693% |  | 8.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 35.22% | 35.22% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 26 | 24 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 23.84 | No | 59.63 | N/A | xxx | xxx | xxx |
| 13194977 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 10.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.788 | 1.788 |  | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 55.75 | No | 65 | N/A | xxx | xxx | xxx |
| 11202890 | xxx |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.670% |  | No AUS | No | 8.053% |  | 7.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 38.83% | 38.83% | No |  |  |  |  |  |  |  | Retired |  |  |  |  |  | 2YR Full Doc | 1 |  | NA |  | N/A | 0 |  |  | 2 | 0 |  |  | 2 | 1 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Retirement, Other, SSI and Disability - 2 YRS Personal Tax Returns Verified, 1 YR W2 1099 Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 1.34 | xxx | 2.95 | No | 72.31 | N/A | xxx | xxx | xxx |
| 18793255 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 8.462% |  | 8.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 11.79% | 11.79% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 19.58 | No | 55.98 | N/A | xxx | xxx | xxx |
| 19239659 | xxx |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 9.751% |  | 9.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 36.88% | 36.88% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 234 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 18.51 | No | 71.66 | N/A | xxx | xxx | xxx |
| 14500297 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 10.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.209 | 1.208 |  | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 30.4 | No | 64.56 | N/A | xxx | xxx | xxx |
| 14689487 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 9.355% |  | 9.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 31.05% | 31.05% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 50.04 | No | 72.56 | N/A | xxx | xxx | xxx |
| 15359563 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.024 | 1.022 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 33.19 | No | 74.33 | N/A | xxx | xxx | xxx |
| 10148301 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.045 | 1.04 |  | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 36.25 | No | 67.41 | N/A | xxx | xxx | xxx |
| 11697432 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 8.611% |  | 8.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 35.61% | 35.61% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 57.14 | No | 78.01 | N/A | xxx | xxx | xxx |
| 14260256 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 8.444% |  | 8.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 27.24% | 27.24% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Missing | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 57.69 | No | 46.54 | N/A | xxx | xxx | xxx |
| 10510364 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 7.983% |  | 7.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 14.01% | 14.01% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified \|\| Co Borrower | Borrower \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 18.41 | xxx | 18.75 | No | 59.48 | N/A | xxx | xxx | xxx |
| 13222612 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 36.86% | 36.86% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 69.89 | No | 57.37 | N/A | xxx | xxx | xxx |
| 15065025 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.333 | 1.333 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 37.89 | No | 66.77 | N/A | xxx | xxx | xxx |
| 10628949 | xxx |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.020% |  | No AUS | No | 9.435% |  | 9.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 43.15% | 43.15% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 1YR Full Doc | 2 | 2 | 1 Month | 2+ Months | N/A | 0 | N/A | 0 | 1 | 0 | 1 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified \|\| Co Borrower - Wage - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 7.2 | No | 66.64 | N/A | xxx | xxx | xxx |
| 11519669 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.630% |  | No AUS | No | 9.165% |  | 8.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.78% | 42.78% | No | No |  |  |  |  |  |  | Self-Employed | Retired |  |  |  |  | 2YR Full Doc | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | Yes | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - SSI and Disability - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 15.49 | No | 42.98 | N/A | xxx | xxx | xxx |
| 12856639 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.830% |  | No AUS | No | 10.558% |  | 9.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 34.56% | 34.56% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 0 | 1 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 49.00% |  |  | Borrower Prepared | 6 | Borrower |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Subject Property Net Rental Income(Loss) if NOO, SEPartnership - 1 YR Business Tax Returns Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified - 2024 | Borrower - 1 YR Business Tax Returns Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 1.08 | No | 68.99 | Yes | xxx | xxx | xxx |
| 10827804 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 11.893% |  | 11.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.11% | 41.11% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 44 | 30 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, Executed 4506T Verified | Borrower - Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 27.12 | No | 89.98 | N/A | xxx | xxx | xxx |
| 11657387 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 12.898% |  | 12.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.19% | 40.19% | No | No |  |  |  |  |  |  | Retired | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | Yes | N/A | 1 | 0 | Yes | Yes | 1 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 113 | 12 | Other | No | 0 |  | N/A | Borrower - SSI and Disability - 2 YRS W2 1099 Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Personal Bank Statements Verified \|\| Co Borrower - Wage, SSI and Disability - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Personal Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 42.56 | No | 89.22 | N/A | xxx | xxx | xxx |
| 19980159 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 11.314% |  | 11.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.71% | 44.71% | No | No |  |  |  |  |  |  | Not Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | NA | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | Yes | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 184 | 29 | FNMA 1005 | No | 0 |  | N/A | Borrower - SSI and Disability - 2 YRS W2 1099 Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 6.79 | No | 74.99 | N/A | xxx | xxx | xxx |
| 12071629 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.830% |  | No AUS | No | 9.135% |  | 8.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 29.14% | 29.14% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 29 | No | 61.27 | N/A | xxx | xxx | xxx |
| 14970607 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.110% |  | No AUS | No | 9.173% |  | 8.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 48.80% | 48.80% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 36 | 36 | Other | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Commission, Other - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 4.68 | No | 69.06 | N/A | xxx | xxx | xxx |
| 17596144 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.370% |  | No AUS | No | 9.545% |  | 9.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.74% | 43.74% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 2 | 2 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 235 | 30 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Wage, Other, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 17.85 | No | 72.07 | N/A | xxx | xxx | xxx |
| 11087759 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.790% |  | No AUS | No | 11.133% |  | 10.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 47.36% | 47.36% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 13.67 | No | 78.11 | N/A | xxx | xxx | xxx |
| 18146521 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.630% |  | No AUS | No | 12.642% |  | 12.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.89% | 43.89% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 134 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 17.25 | No | 89.92 | N/A | xxx | xxx | xxx |
| 14800001 | xxx |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 8.334% |  | 8.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 48.65% | 48.65% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 2YR Full Doc | 0 | 2 | NA | 2+ Months | N/A | 0 | N/A | 0 | 2 | 0 | 2 | 0 | 2 | 3 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% | 0.00% |  | Audited | 12 | Tax Preparer | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 102 | 31 | Other | No | 0 |  |  | Borrower - SESoleProprietor - 2 YRS Personal Tax Returns Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified, 1040 Schedule E Verified \|\| Co Borrower - Wage, Overtime and Bonus, Overtime and Bonus - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified, 1040 Schedule E Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified, 1040 Schedule E Verified \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified, 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 22.39 | No | 68.3 | N/A | xxx | xxx | xxx |
| 12218284 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 11.696% |  | 11.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.15% | 49.15% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 40.14 | No | 89.86 | N/A | xxx | xxx | xxx |
| 15764348 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 8.750% |  | 8.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 32.78% | 32.78% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified \|\| Co Borrower | Borrower \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7 | xxx | xxx | 0 | 101 |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 64.88 | No | 75 | N/A | xxx | xxx | xxx |
| 18383325 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 10.484% |  | 10.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 10.95% | 10.95% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 14.4 | No | 57.18 | N/A | xxx | xxx | xxx |
| 15224021 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 10.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 28.13% | 28.13% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 0 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Borrower Prepared | 6 | Borrower |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - Missing Business Tax Returns Verified, YTD Profit And Loss Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - Missing Business Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 23.77 | No | 69.95 | N/A | xxx | xxx | xxx |
| 16288267 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 10.014% |  | 9.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 6.41% | 6.41% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 27.38 | No | 69.08 | N/A | xxx | xxx | xxx |
| 15330878 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.630% |  | No AUS | No | 9.481% |  | 9.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 46.27% | 46.27% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 1 | 1 |  |  | 0 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 17 | Tax Preparer |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, YTD Profit And Loss Verified, 1 YR IRS Transcripts Verified - 2023 | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, 1 YR IRS Transcripts Verified - 2023 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 53.6 | No | 73.42 | N/A | xxx | xxx | xxx |
| 14531571 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.670% |  | No AUS | No | 12.319% |  | 11.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 35.26% | 35.26% | No | No |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | Less than 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 2 | 0 | 3 | 2 | NA | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | Yes | 24 | Yes | 72 | 30 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - SESoleProprietor - 2 YRS Personal Tax Returns Verified, CPA Letter Verified, 2 YRS W2 1099 Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 17.06 | No | 20.62 | N/A | xxx | xxx | xxx |
| 12929103 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 9.634% |  | 9.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.87% | 42.87% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 180 | 31 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 3.54 | No | 55.62 | N/A | xxx | xxx | xxx |
| 15800099 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 10.048% |  | 9.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 34.51% | 34.51% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 1YR Full Doc | 1 | 1 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 31 | 31 | Work Number | Yes | 256 | 31 | Work Number | No | 0 |  | N/A | Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 23.63 | No | 71.97 | N/A | xxx | xxx | xxx |
| 10138910 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 13.139% |  | 12.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 38.93% | 38.93% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 36 | 31 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 21 | No | 75.14 | N/A | xxx | xxx | xxx |
| 12825908 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 10.142% |  | 9.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 41.66% | 41.66% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss), SSI and Disability - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 24.49 | No | 77.55 | N/A | xxx | xxx | xxx |
| 15694861 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 9.817% |  | 9.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.73% | 42.73% | No | No |  |  |  |  |  |  | Not Employed | Not Employed |  |  |  |  | 1YR Full Doc | 1 | 1 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 1 | Yes | Yes | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Retirement, SSI and Disability - 1 YR W2 1099 Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Award Letter Verified \|\| Co Borrower - SSI and Disability - 1 YR W2 1099 Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Award Letter Verified | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 37.13 | No | 74.98 | N/A | xxx | xxx | xxx |
| 15125919 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.830% |  | No AUS | No | 11.720% |  | 11.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 35.44% | 35.44% | No | No |  |  |  |  |  |  | Retired | Self-Employed |  |  |  |  | 2YR Full Doc | 0 | 2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 2 | Yes | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SSI and Disability - 1 YR IRS Transcripts Verified, Award Letter Verified - 2024 \|\| Co Borrower - SESoleProprietor - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS IRS Transcripts Verified - 2025 | Borrower - 1 YR IRS Transcripts Verified - 2024 \|\| Co Borrower - 2 YRS IRS Transcripts Verified - 2025 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 5.73 | No | 77.52 | N/A | xxx | xxx | xxx |
| 18208191 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 47.81% | 47.81% | Yes | Yes |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 1 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 153 | 30 | Work Number | Yes | 298 | 30 | Work Number | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 7.37 | xxx | 70.65 | No | 74.89 | N/A | xxx | xxx | xxx |
| 17200798 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 8.422% |  | 8.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 23.36% | 23.36% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 282 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 46.25 | No | 53.26 | N/A | xxx | xxx | xxx |
| 11639692 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.630% |  | No AUS | No | 9.527% |  | 9.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 36.36% | 36.36% | No | No |  |  |  |  |  |  | Retired | Self-Employed |  |  |  |  | 12 Month Bank Statement | 1 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 1 | Yes | NA | No | No | 0 | No | No | N/A | 0 | 0 | Yes | Yes | 0 | 12 | 86.13% | 0.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | Yes | 84 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SSI and Disability - 1 YR W2 1099 Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified, Award Letter Verified \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified, IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 72.99 | No | 57.09 | N/A | xxx | xxx | xxx |
| 17621412 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.630% |  | No AUS | No | 8.307% |  | 8.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 31.10% | 31.10% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 32.45 | No | 18.43 | N/A | xxx | xxx | xxx |
| 18957031 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 0.00% | 0.00% | No |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.056 | 1.056 |  | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 16.84 | No | 70 | N/A | xxx | xxx | xxx |
| 12224082 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.001 | 1.014 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | I-151 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 33.41 | No | 69.48 | N/A | xxx | xxx | xxx |
| 19239059 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.340% |  | No AUS | No | 10.375% |  | 10.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 45.27% | 45.27% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 114 | 31 | FNMA 1005 | Yes | 35 | 31 | FNMA 1005 | No | 0 |  | N/A | Borrower - Wage - Written VOE Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage, Overtime and Bonus - Written VOE Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS IRS Transcripts Verified \|\| Co Borrower - 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 9.94 | No | 74.69 | N/A | xxx | xxx | xxx |
| 11740504 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 10.433% |  | 10.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.54% | 49.54% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation - 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 41.45 | No | 73.92 | N/A | xxx | xxx | xxx |
| 13428625 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 10.174% |  | 9.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.62% | 41.62% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Executed 4506T Verified | Borrower - Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 2.44 | No | 67.27 | N/A | xxx | xxx | xxx |
| 10676039 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 8.904% |  | 8.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 44.41% | 44.41% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 30 | 30 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Commission - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 59.21 | No | 23.88 | Yes | xxx | xxx | xxx |
| 15909471 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.670% |  | No AUS | No | 12.440% |  | 11.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 46.02% | 46.02% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 2 | 0 | 2 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 97 | 32 | FNMA 1005 | Yes | 311 | 32 | Work Number | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Other - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage, Overtime and Bonus - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7 | xxx | xxx | 1 | 73 |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Resident Alien |  | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | I-551 Permanent Resident Card |  | xxx | Permanent Resident Alien | Permanent Resident Alien |  | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 11.84 | No | 84.85 | N/A | xxx | xxx | xxx |
| 17276402 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.447 | 1.447 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 39.18 | No | 47.77 | N/A | xxx | xxx | xxx |
| 12644965 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 9.534% |  | 9.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 30.13% | 30.13% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 80.56 | No | 74.58 | N/A | xxx | xxx | xxx |
| 17094842 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 8.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.075 | 1.075 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | .00 | .00 | xxx | 42.11 | No | 56.64 | N/A | xxx | xxx | xxx |
| 16733215 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 37.49% | 37.49% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 90.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 32.77 | No | 68.2 | N/A | xxx | xxx | xxx |
| 15550155 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 9.620% |  | 9.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 34.71% | 34.71% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified \|\| Co Borrower - N/A | Borrower \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 11.36 | No | 49.48 | N/A | xxx | xxx | xxx |
| 10738186 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 8.710% |  | 8.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 45.96% | 45.96% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 6.65 | No | 56.95 | N/A | xxx | xxx | xxx |
| 19571129 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 8.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% | 0.00% |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.463 | 1.44 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | .00 | .00 | xxx | 24.24 | No | 40.82 | N/A | xxx | xxx | xxx |
| 10796189 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.630% |  | No AUS | No | 8.664% |  | 8.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 33.65% | 33.65% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 99.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 79 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 11.93 | No | 74.96 | N/A | xxx | xxx | xxx |
| 18526471 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 8.771% |  | 8.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 33.33% | 33.33% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 24.61 | No | 68.59 | Yes | xxx | xxx | xxx |
| 10940884 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 8.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 45.59% | 45.59% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 117 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 50.59 | No | 70 | N/A | xxx | xxx | xxx |
| 17939020 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 10.105% |  | 9.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 39.56% | 39.56% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 108 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 28.15 | No | 79.57 | N/A | xxx | xxx | xxx |
| 10025901 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.790% |  | No AUS | No | 9.627% |  | 9.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 36.50% | 36.50% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 50.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership, Subject Property Net Rental Income(Loss) if NOO - 3 YRS Executed 4506T Verified, Business Bank Statements Verified \|\| Co Borrower - SEPartnership - 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 62.34 | No | 54.14 | N/A | xxx | xxx | xxx |
| 10028543 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 11.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.56 | 1.367 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 24.42 | No | 70 | N/A | xxx | xxx | xxx |
| 15267341 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 26.46% | 26.46% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 40.37 | No | 70 | N/A | xxx | xxx | xxx |
| 19995081 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 10.365% |  | 9.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 30.29% | 30.29% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified \|\| Co Borrower | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 19.08 | xxx | 19.08 | No | 64.23 | N/A | xxx | xxx | xxx |
| 10490242 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.770% |  | No AUS | No | 9.313% |  | 8.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 23.06% | 23.06% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer | N/A | N/A | 0 | Yes | 79 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified \|\| Co Borrower - Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 40.47 | No | 73.72 | N/A | xxx | xxx | xxx |
| 10704610 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 11.918% |  | 11.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 14.29% | 14.29% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 1 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 41.72 | No | 79.41 | N/A | xxx | xxx | xxx |
| 16358769 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 8.851% |  | 8.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.33% | 42.33% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 24 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 24 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 96 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified \|\| Co Borrower | Borrower \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 20.91 | No | 69.98 | N/A | xxx | xxx | xxx |
| 18580798 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 8.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 38.22% | 38.22% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation, Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 19.52 | No | 69.72 | N/A | xxx | xxx | xxx |
| 10223798 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.790% |  | No AUS | No | 11.452% |  | 10.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 39.54% | 39.54% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 68 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 33.18 | No | 79.34 | N/A | xxx | xxx | xxx |
| 14196718 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | Monthly | 0.00% | 25.26% | 25.26% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 132 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 37.56 | No | 69.9 | N/A | xxx | xxx | xxx |
| 15799006 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.370% |  | No AUS | No | 8.303% |  | 8.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 41.72% | 41.72% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | NA |  | N/A | 0 |  |  | 2 | 2 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp, SESCorp - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, CPA Letter Verified, 2 YRS W2 1099 Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 3.77 | xxx | 3.77 | No | 66.44 | N/A | xxx | xxx | xxx |
| 19673630 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.630% |  | No AUS | No | 9.584% |  | 9.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.73% | 49.73% | No | No |  |  |  |  |  |  | Employed | Retired |  |  |  |  | 2YR Full Doc | 2 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - SSI and Disability - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | I-551 Permanent Resident Card |  | xxx | Permanent Resident Alien | Permanent Resident Alien | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 32.62 | No | 54.51 | N/A | xxx | xxx | xxx |
| 10091917 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 12.767% |  | 12.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 24.77% | 24.77% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 22.09 | No | 84.71 | N/A | xxx | xxx | xxx |
| 12166424 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 8.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.57% | 40.57% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 8.55 | No | 57.13 | N/A | xxx | xxx | xxx |
| 15444975 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 12.496% |  | 12.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 22.93% | 22.93% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 25.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 120 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 12.84 | No | 84.61 | N/A | xxx | xxx | xxx |
| 19905676 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.002 | 1.002 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 36.35 | No | 46.64 | Yes | xxx | xxx | xxx |
| 13881169 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.086 | 1.091 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 36.99 | No | 59.62 | N/A | xxx | xxx | xxx |
| 14335373 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.630% |  | No AUS | No | 9.131% |  | 8.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 46.55% | 46.55% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 33.85 | No | 54.86 | N/A | xxx | xxx | xxx |
| 17577967 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 11.689% |  | 11.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 24.23% | 24.23% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 18.95 | No | 84.08 | N/A | xxx | xxx | xxx |
| 10187959 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.670% |  | No AUS | No | 12.723% |  | 12.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 42.50% | 42.50% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 55 | 55 | Work Number | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 2.07 | No | 77.33 | N/A | xxx | xxx | xxx |
| 10196095 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.790% |  | No AUS | No | 11.566% |  | 11.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.92% | 44.92% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 2YR Full Doc | 0 | 2 | NA | 2+ Months | N/A | 0 | N/A | 0 | 2 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 17 | 17 | FNMA 1005 | No | 0 |  | N/A | Borrower - SESoleProprietor - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 2.72 | No | 68.87 | N/A | xxx | xxx | xxx |
| 19881247 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.790% |  | No AUS | No | 13.387% |  | 12.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.47% | 41.47% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 18 | 18 | Work Number | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Other - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 10.32 | No | 85 | N/A | xxx | xxx | xxx |
| 19082672 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 11.251% |  | 10.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.24% | 43.24% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | Less than 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 1 | Yes |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 125 | 30 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Other, Other - 1 YR W2 1099 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Award Letter Verified | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 1.05 | No | 87.23 | N/A | xxx | xxx | xxx |
| 16372199 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 11.098% |  | 10.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 45.89% | 45.89% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 138 | 30 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 46.89 | No | 53.68 | N/A | xxx | xxx | xxx |
| 16352956 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.790% |  | No AUS | No | 13.080% |  | 12.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 30.36% | 30.36% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 36 | 30 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Commission - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 21.87 | No | 79.94 | N/A | xxx | xxx | xxx |
| 12190039 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.770% |  | No AUS | No | 10.684% |  | 10.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 39.04% | 39.04% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 63 | 12 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Resident Alien |  | Other | USA Patriot Act | xxx | United States | xxx |  |  | Employment Authorization Document (I-821D) |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 33.66 | No | 63.79 | N/A | xxx | xxx | xxx |
| 13240848 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 5.960% |  | No AUS | No | 10.170% |  | 8.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.87% | 40.87% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 360 | 31 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Commission - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 26.24 | No | 34.57 | N/A | xxx | xxx | xxx |
| 11533392 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.040% |  | No AUS | No | 10.788% |  | 9.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 33.29% | 33.29% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 67 | 30 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 19.49 | No | 72.74 | N/A | xxx | xxx | xxx |
| 17329018 | xxx |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 9.223% |  | 9.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 34.47% | 34.47% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 132 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified \|\| Co Borrower | Borrower \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 19.61 | No | 70.87 | N/A | xxx | xxx | xxx |
| 15816924 | xxx |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 8.847% |  | 8.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 24.94% | 24.94% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 0 |  | Less than 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 348 | 30 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - Less than 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 24.53 | No | 66.6 | N/A | xxx | xxx | xxx |
| 16892400 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 8.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.056 | 1.055 |  | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 2.39 | No | 52.94 | N/A | xxx | xxx | xxx |
| 17525707 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 9.323% |  | 8.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 25.15% | 25.15% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 98 | 98 | Work Number | Yes | 22 | 22 | FNMA 1005 | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 41.93 | No | 75.59 | N/A | xxx | xxx | xxx |
| 14752263 | xxx |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.630% |  | No AUS | No | 8.622% |  | 8.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 48.45% | 48.45% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 37 | 31 | Other |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 22.1 | No | 64.51 | N/A | xxx | xxx | xxx |
| 17305247 | xxx |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 10.096% |  | 9.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.09% | 40.09% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 114 | 114 | Other |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 30.22 | No | 78.36 | N/A | xxx | xxx | xxx |
| 17094641 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.630% |  | No AUS | No | 12.670% |  | 11.990% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 15.93% | 15.93% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - 2 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .14 | xxx | 5.73 | No | 73.98 | N/A | xxx | xxx | xxx |
| 15040328 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.630% |  | No AUS | No | 8.373% |  | 8.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | Monthly | 0.00% | 49.01% | 49.01% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Personal Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 17.81 | xxx | 23.63 | No | 39.01 | N/A | xxx | xxx | xxx |
| 15039071 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 8.516% |  | 8.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 34.89% | 34.89% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 120 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 0.55 | No | 42.63 | N/A | xxx | xxx | xxx |
| 14068167 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 12.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.547 | 1.547 |  | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 38.91 | No | 54.62 | N/A | xxx | xxx | xxx |
| 19862604 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 5.850% |  | No AUS | No | 10.922% |  | 9.990% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 44.76% | 44.76% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 1 Month | N/A | 0 | N/A | 0 | 1 | 0 | 1 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified \|\| Co Borrower - Wage - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified | Borrower - 1 YR Personal Tax Returns Verified \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 0.07 | No | 78.88 | N/A | xxx | xxx | xxx |
| 14603640 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.610% |  | No AUS | No | 12.602% |  | 11.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 46.40% | 46.40% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 24.61 | No | 79.58 | N/A | xxx | xxx | xxx |
| 16245204 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 9.023% |  | 8.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 32.46% | 32.46% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 168 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 48.09 | No | 51.7 | N/A | xxx | xxx | xxx |
| 16179845 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 11.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.089 | 1.088 |  | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 15.33 | No | 70 | N/A | xxx | xxx | xxx |
| 13408104 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.790% |  | No AUS | No | 12.706% |  | 12.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 42.93% | 42.93% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 28 | 28 | FNMA 1005 | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 23.24 | No | 80 | N/A | xxx | xxx | xxx |
| 10011126 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 11.791% |  | 11.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 38.61% | 38.61% | No | No |  |  |  |  |  |  | Retired | Retired |  |  |  |  | 1YR Full Doc | 1 | 1 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 1 | Yes | Yes | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SSI and Disability, SSI and Disability - 1 YR W2 1099 Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Award Letter Verified \|\| Co Borrower - SSI and Disability - 1 YR W2 1099 Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Award Letter Verified - 2024 | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 19.14 | No | 74.53 | N/A | xxx | xxx | xxx |
| 16935907 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.610% |  | No AUS | No | 9.327% |  | 8.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 39.18% | 39.18% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 6.59 | No | 67.83 | N/A | xxx | xxx | xxx |
| 15615295 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.790% |  | No AUS | No | 11.412% |  | 11.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 40.20% | 40.20% | No |  |  |  |  |  |  |  | Retired |  |  |  |  |  | 1YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 1 | Yes |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Retirement, SSI and Disability - 3 YRS Executed 4506T Verified, IRS Transcripts Verified, Award Letter Verified | Borrower - 3 YRS Executed 4506T Verified, IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 26.25 | No | 62.34 | N/A | xxx | xxx | xxx |
| 12789366 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.630% |  | No AUS | No | 10.561% |  | 9.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.05% | 44.05% | No | No |  |  |  |  |  |  | Not Employed | Retired |  |  |  |  | 2YR Full Doc | 0 | 1 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - Retirement, Retirement - 1 YR W2 1099 Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 2.7 | No | 59.87 | N/A | xxx | xxx | xxx |
| 18391738 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 10.299% |  | 9.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 48.81% | 48.81% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 34 | 30 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 35.18 | No | 63.29 | N/A | xxx | xxx | xxx |
| 16846481 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.610% |  | No AUS | No | 10.297% |  | 9.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 39.98% | 39.98% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 43.65 | No | 53.22 | N/A | xxx | xxx | xxx |
| 16972789 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 8.850% |  | 8.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 20.10% | 20.10% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 237 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 30.07 | xxx | 80.18 | No | 63.38 | N/A | xxx | xxx | xxx |
| 15868410 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 9.721% |  | 9.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.85% | 40.85% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 30.09 | No | 70 | N/A | xxx | xxx | xxx |
| 16663523 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.610% |  | No AUS | No | 8.365% |  | 8.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 19.59% | 19.59% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 288 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 36.65 | No | 59.79 | N/A | xxx | xxx | xxx |
| 14939914 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.630% |  | No AUS | No | 10.247% |  | 9.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.91% | 43.91% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 0 | 2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | Yes | 0 | 0 | 61.07% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Wage - Business Bank Statements Verified \|\| Co Borrower - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified | Borrower \|\| Co Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7 | xxx | xxx | 0 | 72 |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 42 | No | 74.55 | N/A | xxx | xxx | xxx |
| 14728187 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.001 | 1.001 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 24.24 | No | 69.23 | N/A | xxx | xxx | xxx |
| 12104266 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.630% |  | No AUS | No | 8.247% |  | 7.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 46.03% | 46.03% | No | No | 1 |  | 3 |  | 1 |  | Employed | Not Employed | Not Employed |  | .00 |  | 2YR Full Doc | 2 | 2 | 2+ Months |  | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 76 | 76 | Work Number | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified \|\| Co Borrower - SSI and Disability - 2 YRS W2 1099 Verified, null Paystubs Verified, 2 YRS Executed 4506T Verified \|\| Co Borrower 2 - SSI and Disability, Retirement - 2 YRS W2 1099 Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower 2 - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 6.97 | No | 43.16 | N/A | xxx | xxx | xxx |
| 19191399 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.610% |  | No AUS | No | 12.940% |  | 12.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.55% | 49.55% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 0 | 2 | NA | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | Yes | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | Yes | 0 | 0 | 52.77% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor, SSI and Disability - CPA Letter Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified, Business Bank Statements Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 3.44 | No | 85 | N/A | xxx | xxx | xxx |
| 13775572 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.268 | 1.268 |  | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 20.14 | No | 69.76 | N/A | xxx | xxx | xxx |
| 12638704 | xxx |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.610% |  | No AUS | No | 8.648% |  | 8.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 40.58% | 40.58% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 100.00% |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer | Third-Party Prepared (Unaudited) | Tax Preparer | 12 | Yes | 24 | Yes | 24 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 15.28 | No | 64.99 | N/A | xxx | xxx | xxx |
| 17517520 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 8.807% |  | 8.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 9.50% | 9.50% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 51.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 59.91 | No | 48.77 | N/A | xxx | xxx | xxx |
| 10259565 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.630% |  | No AUS | No | 8.608% |  | 8.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 33.62% | 33.62% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 50.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 31 | Yes | 31 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESCorp - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified \|\| Co Borrower - SESCorp - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Passport |  | xxx | United States | xxx | USA | xxx | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 28.49 | No | 62.59 | N/A | xxx | xxx | xxx |
| 17638644 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 10.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.108 | 1.233 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | .00 | .00 | xxx | 31.78 | No | 64.36 | N/A | xxx | xxx | xxx |
| 19940872 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.610% |  | No AUS | No | 12.059% |  | 11.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 28.58% | 28.58% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 29.56 | No | 87.09 | N/A | xxx | xxx | xxx |
| 13106689 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 26.30% | 26.30% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 26.86 | No | 69.54 | N/A | xxx | xxx | xxx |
| 19951764 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.630% |  | No AUS | No | 8.421% |  | 7.990% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.29% | 42.29% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 1YR Full Doc | 1 | 1 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower - Wage - 1 YR W2 1099 Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower - 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 56.39 | No | 76.01 | N/A | xxx | xxx | xxx |
| 19953206 | xxx |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.290% |  | No AUS | No | 9.799% |  | 9.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 47.06% | 47.06% | No | No |  |  |  |  |  |  | Not Employed | Not Employed |  |  |  |  | 1YR Full Doc | 1 | 1 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SSI and Disability, SSI and Disability - 1 YR W2 1099 Verified, 2 YRS Executed 4506T Verified - 2024 \|\| Co Borrower - SSI and Disability - 1 YR W2 1099 Verified, 2 YRS Executed 4506T Verified - 2024 | Borrower - 2 YRS Executed 4506T Verified - 2024 \|\| Co Borrower - 2 YRS Executed 4506T Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 5.12 | xxx | 17.25 | No | 72.97 | N/A | xxx | xxx | xxx |
| 11961054 | xxx |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.610% |  | No AUS | No | 9.370% |  | 9.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 37.49% | 37.49% | No | No |  |  |  |  |  |  | Retired | Retired |  |  |  |  | 2YR Full Doc | 2 | 2 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | Yes | Yes | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Retirement, SSI and Disability - 2 YRS W2 1099 Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified \|\| Co Borrower - Retirement, SSI and Disability - 2 YRS W2 1099 Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 10.77 | No | 52.89 | N/A | xxx | xxx | xxx |
| 17325090 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 9.148% |  | 8.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 20.85% | 20.85% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | Accountant/Bookkeeper |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 1.38 | No | 24.6 | N/A | xxx | xxx | xxx |
| 15118812 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 10.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 29.54% | 29.54% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 1 | 1 |  |  | 2 | 3 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 6 | CPA |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, 2 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 7.67 | No | 70 | N/A | xxx | xxx | xxx |
| 13007884 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.000% |  | No AUS | No | 11.410% |  | 10.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.20% | 44.20% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 1.46 | No | 74.31 | N/A | xxx | xxx | xxx |
| 14965981 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.610% |  | No AUS | No | 9.332% |  | 8.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.09% | 49.09% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 24 Month Bank Statement | 0 | 2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 24 | No | Yes | 0 | 0 | 46.69% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 44 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor, SESoleProprietor - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 1.36 | xxx | 20.77 | No | 56.15 | N/A | xxx | xxx | xxx |
| 13132572 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 11.385% |  | 11.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 38.73% | 38.73% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | Yes | 8 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 28.14 | No | 68.92 | N/A | xxx | xxx | xxx |
| 17548664 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.610% |  | No AUS | No | 11.490% |  | 10.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.69% | 44.69% | No | No |  |  |  |  |  |  | Employed | Retired |  |  |  |  | 2YR Full Doc | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 190 | 30 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified \|\| Co Borrower - Other - 3 YRS Executed 4506T Verified, Award Letter Verified - 2024 | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 0.68 | No | 89.95 | N/A | xxx | xxx | xxx |
| 10270772 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 8.851% |  | 8.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.86% | 43.86% | No |  |  |  |  |  |  |  | Retired |  |  |  |  |  | 1YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 1 | Yes |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Retirement, SSI and Disability - 3 YRS Executed 4506T Verified, IRS Transcripts Verified, Award Letter Verified - 2025 | Borrower - 3 YRS Executed 4506T Verified, IRS Transcripts Verified - 2025 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 8.69 | No | 68.99 | N/A | xxx | xxx | xxx |
| 18787458 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 5.850% |  | No AUS | No | 8.914% |  | 8.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 44.74% | 44.74% | No | No |  |  |  |  |  |  | Retired | Retired |  |  |  |  | 2YR Full Doc | 2 | 2 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | Yes | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Other, Other - 2 YRS W2 1099 Verified, 3 YRS Executed 4506T Verified, Award Letter Verified \|\| Co Borrower - Other - 2 YRS W2 1099 Verified, 3 YRS Executed 4506T Verified, Award Letter Verified | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 18.11 | No | 58.42 | N/A | xxx | xxx | xxx |
| 19945246 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 13.151% |  | 12.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 39.74% | 39.74% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 360 | 30 | Work Number | Yes | 145 | 30 | FNMA 1005 | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 23.86 | No | 78.23 | N/A | xxx | xxx | xxx |
| 13394789 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.610% |  | No AUS | No | 10.082% |  | 9.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 40.87% | 40.87% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 22 | 22 | Work Number | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 26.99 | No | 79.61 | N/A | xxx | xxx | xxx |
| 13173260 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.630% |  | No AUS | No | 12.489% |  | 11.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 47.39% | 47.39% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 41 | 30 | Work Number | Yes | 160 | 30 | Other | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 2.99 | No | 90 | N/A | xxx | xxx | xxx |
| 18360023 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.630% |  | No AUS | No | 12.575% |  | 12.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 48.69% | 48.69% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 118 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 24.68 | No | 79.88 | N/A | xxx | xxx | xxx |
| 15889650 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.610% |  | No AUS | No | 9.066% |  | 8.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 48.88% | 48.88% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 14.5 | No | 49.39 | N/A | xxx | xxx | xxx |
| 11595053 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.570% |  | No AUS | No | 11.325% |  | 10.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.08% | 42.08% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 72 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 6.81 | xxx | 47.41 | No | 89.54 | N/A | xxx | xxx | xxx |
| 11110075 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.743 | 1.74 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 49.95 | No | 23.55 | N/A | xxx | xxx | xxx |
| 12688657 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.630% |  | No AUS | No | 10.774% |  | 10.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 33.88% | 33.88% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified, Lease Agreements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 24.56 | No | 73.18 | N/A | xxx | xxx | xxx |
| 12992414 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 8.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.562 | 1.562 |  | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 35.06 | No | 58.46 | N/A | xxx | xxx | xxx |
| 15624172 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.630% |  | No AUS | No | 8.198% |  | 7.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 47.50% | 47.50% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 360 | 31 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 14.14 | No | 55.93 | N/A | xxx | xxx | xxx |
| 11724698 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.630% |  | No AUS | No | 10.525% |  | 9.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 30.01% | 30.01% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 20.49 | No | 72.3 | Yes | xxx | xxx | xxx |
| 19914947 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 8.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.515 | 1.515 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | .00 | .00 | xxx | 44.94 | No | 55 | N/A | xxx | xxx | xxx |
| 14287985 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.610% |  | No AUS | No | 10.489% |  | 9.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.51% | 44.51% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | Tax Preparer |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 44.55 | No | 79.05 | N/A | xxx | xxx | xxx |
| 15897086 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.630% |  | No AUS | No | 10.426% |  | 10.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.00% | 41.00% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% | 100.00% |  | Audited | 14 | CPA | Audited | CPA | 14 | Yes | 300 | Yes | 300 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 0 | No | 51 | N/A | xxx | xxx | xxx |
| 15086947 | xxx |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.630% |  | No AUS | No | 9.970% |  | 9.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 34.74% | 34.74% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 50.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified \|\| Co Borrower - N/A - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 53.85 | No | 74.98 | N/A | xxx | xxx | xxx |
| 14462494 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 10.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.165 | 1.08 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 19.54 | No | 69.83 | N/A | xxx | xxx | xxx |
| 12807743 | xxx |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 8.324% |  | 8.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 48.89% | 48.89% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 2 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 56.12 | No | 32.89 | N/A | xxx | xxx | xxx |
| 13800976 | xxx |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 13.078% |  | 12.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 48.05% | 48.05% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR 1099 Only | 1 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 1 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 1 YR W2 1099 Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 20.61 | No | 79.04 | N/A | xxx | xxx | xxx |
| 18845825 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 8.737% |  | 8.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.91% | 40.91% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 64.67 | No | 60.07 | N/A | xxx | xxx | xxx |
| 16922551 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 10.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.394 | 1.394 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 36.6 | No | 74.94 | N/A | xxx | xxx | xxx |
| 14699114 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 8.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.22 | 1.219 |  | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 22.47 | No | 50.18 | N/A | xxx | xxx | xxx |
| 18268153 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 11.581% |  | 11.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.69% | 40.69% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 6.16 | No | 71.28 | N/A | xxx | xxx | xxx |
| 11495947 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 9.301% |  | 8.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 23.44% | 23.44% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024 \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 13.72 | No | 60.8 | N/A | xxx | xxx | xxx |
| 17459566 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 10.740% |  | 10.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 40.05% | 40.05% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | Yes |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Retirement - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 25.82 | No | 67.81 | N/A | xxx | xxx | xxx |
| 18766840 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 11.116% |  | 10.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 40.59% | 40.59% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 360 | 29 | Work Number |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 7.17 | No | 74.96 | N/A | xxx | xxx | xxx |
| 15084998 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 5.900% |  | No AUS | No | 13.615% |  | 12.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.13% | 43.13% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | 1 Month |  | N/A | 0 |  |  | 1 | 0 |  |  | 3 | 1 | Yes |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 10 | 10 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, SSI and Disability - 1 YR Personal Tax Returns Verified, 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified, Award Letter Verified | Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 2.58 | No | 78.47 | N/A | xxx | xxx | xxx |
| 12954890 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 5.970% |  | No AUS | No | 9.299% |  | 8.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 43.02% | 43.02% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 0.73 | No | 50.88 | N/A | xxx | xxx | xxx |
| 13516531 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 9.548% |  | 9.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 25.27% | 25.27% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 63 | 32 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 35.78 | No | 64.34 | N/A | xxx | xxx | xxx |
| 14068525 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.610% |  | No AUS | No | 10.979% |  | 10.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 44.94% | 44.94% | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | 2YR Full Doc | 2 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 91 | 36 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 0.81 | No | 74.75 | N/A | xxx | xxx | xxx |
| 15167123 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 12.279% |  | 11.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 44.90% | 44.90% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 5 | 4 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, IRS Transcripts Verified | Borrower - IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 1.11 | No | 85 | N/A | xxx | xxx | xxx |
| 17898707 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.610% |  | No AUS | No | 10.023% |  | 9.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 35.87% | 35.87% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 3 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 89 | 30 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 11.71 | No | 63.02 | N/A | xxx | xxx | xxx |
| 15460108 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 5.910% |  | No AUS | No | 10.856% |  | 10.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 36.14% | 36.14% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 119 | 30 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Overtime and Bonus, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 8.93 | No | 54.95 | N/A | xxx | xxx | xxx |
| 14602549 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.610% |  | No AUS | No | 12.589% |  | 12.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 44.84% | 44.84% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | Less than 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 299 | 31 | Other |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .66 | xxx | 1.1 | No | 89.87 | N/A | xxx | xxx | xxx |
| 12686390 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.750% |  | No AUS | No | 10.223% |  | 9.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 48.05% | 48.05% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | Less than 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 51 | 31 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 20.87 | No | 79.69 | N/A | xxx | xxx | xxx |
| 19415071 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.630% |  | No AUS | No | 9.255% |  | 9.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 39.36% | 39.36% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 33 | 33 | Work Number | Yes | 155 | 155 | Work Number | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, Written VOE Verified, 1 YR Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, Written VOE Verified, 1 YR Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 1 YR Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 1 YR Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 61.75 | No | 79.63 | N/A | xxx | xxx | xxx |
| 12754081 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.610% |  | No AUS | No | 12.518% |  | 11.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.90% | 40.90% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 120 | 31 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 12.78 | No | 87.3 | N/A | xxx | xxx | xxx |
| 15390382 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.248 | 1.097 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | .00 | .00 | xxx | 45.84 | No | 80 | N/A | xxx | xxx | xxx |
| 18230187 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.003 | 1.003 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | .00 | .00 | xxx | 33.1 | No | 64.99 | Yes | xxx | xxx | xxx |
| 15176381 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.570% |  | No AUS | No | 8.043% |  | 8.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.94% | 49.94% | No | No |  |  |  |  |  |  | Not Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | NA | 1 Month | N/A | 0 | N/A | 0 | 2 | 0 | 2 | 0 | 2 | 0 | Yes | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 28 | 32 | Work Number | No | 0 |  | N/A | Borrower - Retirement, Retirement - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2 YRS Executed 4506T Verified, Award Letter Verified \|\| Co Borrower - Wage, Overtime and Bonus - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 21.12 | No | 49.45 | N/A | xxx | xxx | xxx |
| 19100207 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.630% |  | No AUS | No | 8.307% |  | 7.990% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 33.77% | 33.77% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified \|\| Co Borrower | Borrower \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 14.17 | No | 56.72 | N/A | xxx | xxx | xxx |
| 18392671 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.630% |  | No AUS | No | 8.826% |  | 8.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 33.99% | 33.99% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 16.87 | No | 69.97 | N/A | xxx | xxx | xxx |
| 17859165 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.610% |  | No AUS | No | 12.303% |  | 11.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.02% | 43.02% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 6.11 | No | 85 | N/A | xxx | xxx | xxx |
| 13425662 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 8.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.93% | 42.93% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 53.15 | No | 64.67 | N/A | xxx | xxx | xxx |
| 18026048 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.570% |  | No AUS | No | 9.902% |  | 9.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 42.58% | 42.58% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 1 |  | Less than 1 Month |  | N/A | 0 |  |  | 2 | 2 |  |  | 3 | 3 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 20.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 230 | 30 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, SESCorp, Subject Property Net Rental Income(Loss) if NOO - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 1 YR W2 1099 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified, 1040 Schedule E Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified, 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Passport | USA Patriot Act | xxx | United States | xxx | USA | xxx | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 75.42 | xxx | 126.49 | No | 48.96 | Yes | xxx | xxx | xxx |
| 14535032 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.630% |  | No AUS | No | 8.526% |  | 8.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.89% | 42.89% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 84 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Wage, Asset Depletion - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 59.37 | No | 73.05 | N/A | xxx | xxx | xxx |
| 19625167 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.670% |  | No AUS | No | 9.087% |  | 8.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | Annually | 0.00% | 38.35% | 38.35% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 65.73 | No | 74.96 | N/A | xxx | xxx | xxx |
| 11088525 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 10.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.442 | 1.44 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | .00 | .00 | xxx | 29.16 | No | 65.92 | N/A | xxx | xxx | xxx |
| 17755000 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 8.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 29.88% | 29.88% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No |  | N/A | .00 | .00 | xxx | 53.4 | No | 22.67 | N/A | xxx | xxx | xxx |
| 12961891 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 24.19% | 24.19% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 29.69 | No | 74.93 | N/A | xxx | xxx | xxx |
| 18300381 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.610% |  | No AUS | No | 8.339% |  | 8.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 38.29% | 38.29% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 1 | NA | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | Yes | 0 | 0 | 78.42% | 50.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 79 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership - CPA Letter Verified, Business Bank Statements Verified \|\| Co Borrower - Wage - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, 1 YR Executed 4506T Verified | Borrower \|\| Co Borrower - 1 YR Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 7.11 | xxx | 8.16 | No | 43.57 | N/A | xxx | xxx | xxx |
| 14859547 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 8.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% | 0.00% | 0.00% |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.001 | 1.001 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 55.26 | No | 53.54 | N/A | xxx | xxx | xxx |
| 19918814 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.570% |  | No AUS | No | 9.931% |  | 9.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.59% | 44.59% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 100.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | Yes | 24 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified | Borrower \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 10.14 | No | 79.48 | N/A | xxx | xxx | xxx |
| 10854881 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.570% |  | No AUS | No | 8.161% |  | 7.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.83% | 49.83% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 94.24% | 100.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 48 | Yes | 48 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESCorp, SESCorp, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified, Lease Agreements Verified \|\| Co Borrower - SESCorp - CPA Letter Verified, Business Bank Statements Verified, Lease Agreements Verified | Borrower \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 31.65 | No | 67.99 | N/A | xxx | xxx | xxx |
| 13115908 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.610% |  | No AUS | No | 11.021% |  | 10.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 19.71% | 19.71% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation - Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 33.85 | No | 74.87 | N/A | xxx | xxx | xxx |
| 17003174 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.610% |  | No AUS | No | 7.966% |  | 7.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 32.28% | 32.28% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 2 | 2 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Borrower Prepared | 20 | Borrower |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, SESoleProprietor - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, YTD Profit And Loss Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 59.94 | No | 74.73 | N/A | xxx | xxx | xxx |
| 15690544 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.610% |  | No AUS | No | 10.094% |  | 9.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 39.77% | 39.77% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 40.29 | No | 79.74 | N/A | xxx | xxx | xxx |

---

## Exhibit 99.1

[VISTA POINT ASSETS LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.1 - Schedule 5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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?** |
| 14171325 |  |  | xxx | 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 | xxx | 10.743 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18726232 |  |  | xxx | 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 | xxx | 8.915 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17867064 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | Yes | No | No | No | No | No | No | No | No | xxx | 10.764 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 19758469 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | Yes | No | No | No | No | No | No | No | No | xxx | 9.899 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Retired | Retired | No | No | No |  |
| 17492147 |  | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | 10.55 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 14184869 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 15991990 |  | xxx | xxx | 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 | xxx | 10.232 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Retired |  | No |  | No |  |
| 12741512 |  |  | xxx | 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 | xxx | N/A | Employed | Not Employed | No | No | Yes | Present |
| 13306321 |  |  | xxx | 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 | xxx | 9.691 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11530464 |  | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | 11.878 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11232955 |  |  | xxx | 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 | xxx | 9.901 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Retired | Retired | No | No | No |  |
| 14835215 |  |  | xxx | 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 | xxx | 13.25 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 15256021 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 16619544 |  | xxx | xxx | 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 | xxx | 10.344 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 13344325 |  |  | xxx | 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 | xxx | 10.663 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16325717 |  |  | xxx | 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 | Yes | xxx | 10.963 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 18455502 |  |  | xxx | 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 | xxx | 8.621 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 12694401 |  |  | xxx | 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 | xxx | 11.618 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17237631 |  |  | xxx | 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 | xxx | 9.364 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 13848915 |  |  | xxx | 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 | xxx | 11.432 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14489119 |  |  | xxx | 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 | xxx | 11.131 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16995754 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | 11.145 | N/A | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 12227200 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | 11.998 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12586592 |  |  | xxx | 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 | xxx | 11.784 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18356179 |  |  | xxx | 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 | xxx | 10.442 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 12940047 |  |  | xxx | 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 | xxx | 8.524 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11572903 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | 11.687 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18857653 |  |  | xxx | 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 | xxx | 10.005 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17158231 |  |  | xxx | 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 | xxx | 11.442 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Not Employed | Not Employed | No | No | No |  |
| 10178189 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | 10.58 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 16916556 |  |  | xxx | 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 | xxx | 10.238 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 19522338 |  |  | xxx | 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 | xxx | 9.123 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12337354 |  |  | xxx | 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 | xxx | 10.605 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16269685 |  |  | xxx | 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 | xxx | 9.658 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11479008 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | 10.889 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 13815189 |  | xxx | xxx | 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 | xxx | 10.051 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | Yes | Employed |  | No |  | No |  |
| 11755675 |  | xxx | xxx | 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 | Yes | xxx | 10.601 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11495135 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 18271926 |  |  | xxx | 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 | xxx | 9.965 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18281001 |  |  | xxx | 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 | xxx | 10.063 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17593235 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | 12.442 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 16987166 |  |  | xxx | 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 | xxx | 9.714 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 10076506 |  |  | xxx | 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 | xxx | 9.06 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 13216888 |  |  | xxx | 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 | Yes | N/A | N/A | N/A | N/A | xxx | N/A | Employed | Retired | No | No | Yes | Present |
| 14978021 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 18327443 |  |  | xxx | 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 | xxx | 9.968 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 11931548 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 13239946 |  |  | xxx | 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 | xxx | 9.145 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | N/A | Employed | Unknown | No | No | No |  |
| 15779399 |  |  | xxx | 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 | xxx | 8.89 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18195928 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | 11.285 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 10504596 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | 11.471 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18750923 |  |  | xxx | 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 | xxx | 9.934 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18231623 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 18592738 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | 10.652 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 10678260 |  |  | xxx | 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 | xxx | 11.033 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 10384925 |  |  | xxx | 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 | xxx | 12.879 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16562216 |  |  | xxx | 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 | xxx | 8.554 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12302093 |  |  | xxx | 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 | xxx | 11.39 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 10976841 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 15241669 |  | xxx | xxx | 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 | xxx | 12.372 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14049057 |  |  | xxx | 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 | xxx | 10.218 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11081072 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 14909275 |  |  | xxx | 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 | xxx | 12.436 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 19986076 |  |  | xxx | 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 | xxx | 9.701 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 12154897 |  |  | xxx | 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 | xxx | 8.954 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 10866364 |  | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | 12.177 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11609150 |  |  | xxx | 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 | xxx | 10.768 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 19910559 |  |  | xxx | 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 | xxx | 10.887 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 10758404 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | 11.148 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 16433253 |  |  | xxx | 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 | xxx | 9.935 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14351198 |  |  | xxx | 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 | xxx | N/A | Employed | Employed | No | No | Yes | Present |
| 16809433 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | 10.797 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18185116 |  | xxx | xxx | 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 | xxx | 10.198 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 16769184 |  |  | xxx | 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 | xxx | 11.744 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16184991 |  |  | xxx | 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 | xxx | 9.53 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17494903 |  |  | xxx | 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 | xxx | 13.297 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11597689 |  |  | xxx | 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 | xxx | 11.887 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12277914 |  |  | xxx | 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 | xxx | 10.131 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11577327 |  |  | xxx | 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 | xxx | 11.104 | N/A | Yes | Yes | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 13594640 |  |  | xxx | 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 | xxx | 12.387 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 13342955 |  |  | xxx | 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 | xxx | 9.04 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17464497 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | 12.496 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 15609436 |  |  | xxx | 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 | xxx | 10.212 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 15209155 |  |  | xxx | 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 | xxx | 10.045 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | Yes | Employed | Not Employed | No | No | No |  |
| 12911272 |  |  | xxx | 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 | xxx | 9.208 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16889364 |  |  | xxx | 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 | xxx | 11.418 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 10854999 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | 12.769 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 17620988 |  |  | xxx | 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 | xxx | 11.415 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 16879590 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | 13.545 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12906682 |  |  | xxx | 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 | xxx | 11.021 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18994403 |  |  | xxx | 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 | xxx |  |  |  | No |  | Yes | Present |
| 13501851 |  |  | xxx | 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 | xxx | 9.597 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 17157441 |  | xxx | xxx | 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 | xxx | 8.986 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12238385 |  | xxx | xxx | 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 | xxx | 10.996 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 15467566 |  |  | xxx | 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 | xxx | 9.752 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Retired | Retired | No | No | No |  |
| 13979881 |  |  | xxx | 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 | xxx | 8.654 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 11929093 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 18056466 |  |  | xxx | 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 | xxx | 8.255 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 19767006 |  |  | xxx | 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 | xxx | 10.668 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 10017393 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | 11.707 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11359644 |  |  | xxx | 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 | xxx | 12.209 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17810787 |  |  | xxx | 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 | xxx | 10.858 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 15903693 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | 12.548 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 13635780 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | 10.599 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | Yes | Employed | Retired | No | No | No |  |
| 11616953 |  |  | xxx | 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 | xxx | 11.575 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | N/A | Employed | Employed | No | No | No |  |
| 19584360 |  | xxx | xxx | 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 | xxx | 10.261 | N/A | N/A | N/A | Yes | Yes | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18663924 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | 11.535 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18956064 |  |  | xxx | 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 | xxx | 8.817 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 19312108 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | 10.944 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 15036459 |  |  | xxx | 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 | xxx | 9.622 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18589962 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | Yes | Yes | Yes | Yes | N/A | N/A | N/A | xxx | Yes | Employed |  | No |  | Yes | Present |
| 13843680 |  | xxx | xxx | 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 | xxx | 10.33 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 13844162 |  | xxx | xxx | 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 | xxx | 9.813 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14654936 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A |  |  | No |  | Yes | Present |
| 18057525 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | 10.641 | N/A | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 13982030 |  |  | xxx | 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 | xxx | 8.707 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 10098195 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | Yes | No | No | No | No | No | No | No | No | xxx | 12.382 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18199119 |  |  | xxx | 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 | xxx | 8.84 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12159499 |  |  | xxx | 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 | xxx | 9.075 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12892944 |  |  | xxx | 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 | xxx | N/A | Employed |  | No |  | Yes | Present |
| 10631382 |  |  | xxx | 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 | xxx | 12.421 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16332592 |  | xxx | xxx | 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 | xxx | 9.429 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18529546 |  |  | xxx | 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 | xxx | N/A | Employed |  | No |  | Yes | Present |
| 18621654 |  |  | xxx | 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 | xxx | 11.097 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 11113384 |  |  | xxx | 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 | xxx | 9.337 | N/A | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 18862532 |  |  | xxx | 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 | xxx | 8.929 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14806583 |  |  | xxx | 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 | xxx | 9.436 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 10241077 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 13633453 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | 12.337 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16629383 |  |  | xxx | 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 | xxx | 9.327 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18377966 |  |  | xxx | 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 | xxx | 9.887 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 14640133 |  |  | xxx | 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 | xxx | 10.588 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11646342 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | 10.928 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 10587192 |  |  | xxx | 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 | xxx | 9.703 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 15301499 |  |  | xxx | 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 | xxx | 10.345 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Retired |  | No |  | No |  |
| 12719007 |  |  | xxx | 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 | xxx | 10.264 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Retired |  | No |  | No |  |
| 16284348 |  |  | xxx | 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 | xxx | 9.398 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 19561189 |  |  | xxx | 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 | xxx | 10.682 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 11982801 |  |  | xxx | 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 | xxx | 9.666 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Retired | Retired | No | No | No |  |
| 10776382 |  |  | xxx | 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 | xxx | 11.369 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18345129 |  |  | xxx | 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 | xxx | 8.869 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Retired |  | No |  | No |  |
| 11907500 |  |  | xxx | 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 | xxx | 10.427 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 10987380 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | Yes | No | No | No | No | No | No | No | No | xxx | 11.886 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 16171043 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 17387371 |  |  | xxx | 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 | xxx | 9.172 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 16177480 |  |  | xxx | 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 | xxx | 9.639 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 17045037 |  |  | xxx | 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 | xxx | N/A | Employed |  | No |  | Yes | Present |
| 10294170 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 15917100 |  |  | xxx | 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 | xxx | 9.41 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 17275282 |  |  | xxx | 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 | xxx | 10.135 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 18242347 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | 11.287 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12950982 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | 12.527 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16263683 |  | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | 11.907 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17909837 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 10586339 |  |  | xxx | 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 | xxx | N/A | Employed | Not Employed | No | No | Yes | Present |
| 17131503 |  |  | xxx | 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 | xxx | 10.201 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18861382 |  |  | xxx | 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 | xxx | 8.378 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | N/A | xxx | Yes | Employed |  | No |  | No |  |
| 15688073 |  |  | xxx | 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 | xxx | 8.53 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 19236047 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 13357372 |  |  | xxx | 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 | xxx | 9.02 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17481893 |  |  | xxx | 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 | xxx | 9.169 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14076778 |  | xxx | xxx | 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 | xxx | 8.561 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 19220433 |  |  | xxx | 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 | xxx | 11.341 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 18471211 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | 10.285 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14069777 |  |  | xxx | 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 | xxx | 11.268 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12937662 |  |  | xxx | 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 | xxx | 11.068 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11317873 |  |  | xxx | 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 | xxx | 10.275 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 13787840 |  | xxx | xxx | 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 | xxx | 9.665 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 19230782 |  |  | xxx | 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 | xxx | 12.474 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11581074 |  |  | xxx | 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 | xxx | 8.685 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17142333 |  |  | xxx | 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 | xxx | 9.661 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | N/A | Employed | Employed | No | No | No |  |
| 11429524 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | 10.401 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 13244313 |  |  | xxx | 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 | xxx | 9.413 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 10214692 |  |  | xxx | 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 | xxx | 8.566 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18486112 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | 11.852 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17471478 |  |  | xxx | 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 | xxx | 9.876 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17033375 |  |  | xxx | 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 | xxx | 9.078 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14768469 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | 12.601 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 19998522 |  |  | xxx | 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 | xxx | 10.113 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17576631 |  |  | xxx | 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 | xxx | 8.714 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14516047 |  |  | xxx | 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 | xxx | 8.852 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12297799 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No | No | Yes | Present |
| 18254064 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No | No | Yes | Present |
| 15469876 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 18501157 |  |  | xxx | 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 | xxx | 10.215 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 14926050 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 15230073 |  |  | xxx | 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 | xxx | 11.192 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Retired |  | No |  | No |  |
| 19865843 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | 10.825 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 16425543 |  |  | xxx | 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 | xxx | 10.926 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | N/A | Employed | Employed | No | No | No |  |
| 14566814 |  |  | xxx | 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 | xxx | 11.02 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11622546 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | 9.824 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14940311 |  |  | xxx | 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 | xxx | 12.138 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11476752 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | 11.583 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 13640701 |  |  | xxx | 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 | xxx | 9.388 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14639852 |  |  | xxx | 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 | xxx | 8.457 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 19732849 |  |  | xxx | 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 | xxx | 10.35 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 19854739 |  |  | xxx | 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 | xxx | 8.892 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 17002909 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 18069043 |  |  | xxx | 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 | xxx | 9.656 | N/A | N/A | No | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | Yes | Employed |  | No |  | No |  |
| 10029647 |  |  | xxx | 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 | xxx | 9.784 | Yes | N/A | N/A | N/A | N/A | Yes | Yes | Yes | N/A | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 19383480 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | 10.713 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 13704395 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 11980915 |  |  | xxx | 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 | xxx | 10.162 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 16200288 |  | xxx | xxx | 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 | xxx | 9.033 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | N/A | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 19874556 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 14721861 |  |  | xxx | 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 | xxx |  |  |  | No |  | Yes | Present |
| 18194711 |  |  | xxx | 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 | xxx | 10.86 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 15075016 |  |  | xxx | 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 | xxx | 13.383 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Retired | Employed | No | No | No |  |
| 12554853 |  |  | xxx | 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 | xxx | 11.856 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 13570187 |  |  | xxx | 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 | xxx | 9.249 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11928893 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 17769553 |  |  | xxx | 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 | Yes | N/A | Yes | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 13410193 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 11200998 |  |  | xxx | 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 | xxx | 9.642 | Yes | N/A | N/A | N/A | N/A | N/A | Yes | N/A | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 19458498 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 13947238 |  |  | xxx | 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 | xxx | 9.627 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 12716104 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 11996102 |  |  | xxx | 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 | xxx | 10.309 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18495874 |  |  | xxx | 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 | xxx | 9.674 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14907793 |  |  | xxx | 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 | xxx | 8.761 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11771353 |  |  | xxx | 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 | xxx | 9.638 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 10166753 |  |  | xxx | 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 | xxx | 10.186 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14526627 |  | xxx | xxx | 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 | xxx | 9.562 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 19241517 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 10904972 |  |  | xxx | 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 | xxx | 12.645 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 13408063 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | 12.834 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 15875809 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | 11.779 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17755406 |  |  | xxx | 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 | xxx | 9.325 | N/A | Yes | N/A | Yes | N/A | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 15229506 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 10951928 |  |  | xxx | 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 | xxx | 8.425 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Unknown | No | No | No |  |
| 15581893 |  |  | xxx | 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 | xxx | 9.91 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Not Employed | Retired | No | No | No |  |
| 19281867 |  |  | xxx | 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 | xxx | 10.252 | N/A | Yes | N/A | Yes | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11945074 |  |  | xxx | 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 | xxx | 8.93 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16388004 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | 13.047 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 13698482 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | 10.137 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 16641672 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | 11.773 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 19669267 |  |  | xxx | 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 | xxx | 9.609 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 12980631 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | 13.439 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Retired | No | No | No |  |
| 15057449 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 12078674 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | 11.218 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 19619057 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 16506808 |  |  | xxx | 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 | xxx | 8.898 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 13978256 |  |  | xxx | 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 | xxx | 11.003 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 19128271 |  |  | xxx | 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 | xxx | 10.138 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 18824991 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | 11.978 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 13124651 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 14705874 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | Yes | No | No | No | No | No | No | No | No | xxx | 12.48 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | N/A | Employed | Employed | No | No | No |  |
| 15150868 |  |  | xxx | 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 | xxx | N/A | Employed |  | No |  | Yes | Present |
| 12902169 |  |  | xxx | 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 | xxx | 9.759 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11840191 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 13128108 |  |  | xxx | 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 | xxx | 10.111 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 12470452 |  |  | xxx | 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 | xxx | 8.748 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 15386908 |  | xxx | xxx | 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 | xxx | 10.263 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 10043930 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | 12.108 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 19797113 |  |  | xxx | 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 | xxx | 11.636 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Retired | No | No | No |  |
| 13209555 |  |  | xxx | 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 | xxx | 10.674 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18206034 |  |  | xxx | 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 | xxx | 10.945 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18211183 |  |  | xxx | 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 | xxx | 11.203 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 15896740 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | 10.537 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 13711383 |  |  | xxx | 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 | xxx | 10.433 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 13000016 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No | No | Yes | Present |
| 14546416 |  |  | xxx | 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 | xxx | 8.178 | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 19570003 |  |  | xxx | 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 | xxx |  |  |  | No |  | Yes | Present |
| 11768557 |  | xxx | xxx | 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 | xxx | 10.225 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 15750836 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | 12.427 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 19801762 |  |  | xxx | 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 | xxx | 11.65 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 15336726 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | Yes | No | No | No | No | No | No | No | No | xxx | 11.219 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 19457679 |  |  | xxx | 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 | xxx | 12.267 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16543884 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | 12.334 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Not Employed | Employed | No | No | No |  |
| 17964065 |  |  | xxx | 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 | xxx | 11.989 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14492618 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | 10.963 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18733561 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | 11.7 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 15493261 |  | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | 11.104 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 19659601 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | Yes | N/A | N/A | N/A | Yes | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 14339728 |  |  | xxx | 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 | xxx | 9.067 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18628495 |  |  | xxx | 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 | xxx | 8.502 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18287382 |  | xxx | xxx | 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 | xxx | 12.638 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 13326401 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | 12.381 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 18228778 |  |  | xxx | 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 | xxx | 10.202 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 13631680 |  |  | xxx | 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 | xxx | 10.323 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 15578274 |  |  | xxx | 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 | xxx | 13.098 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 17789299 |  |  | xxx | 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 | xxx | 13.135 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 15275351 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | 12.565 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 13551604 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | 12.57 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 10847833 |  |  | xxx | 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 | xxx | 9.296 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Not Employed |  | No |  | No |  |
| 10594306 |  |  | xxx | 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 | xxx | 9.706 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18604756 |  |  | xxx | 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 | xxx | 12.079 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16851714 |  |  | xxx | 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 | xxx | 10.191 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 18818482 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 14129401 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | 11.653 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16784910 |  |  | xxx | 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 | xxx | 9.729 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16811008 |  | xxx | xxx | 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 | xxx | 8.796 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18809718 |  |  | xxx | 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 | xxx | 8.684 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 18820752 |  |  | xxx | 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 | xxx | 9.23 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17155106 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | 10.67 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 19089776 |  |  | xxx | 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 | xxx | 9.957 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 11201248 |  |  | xxx | 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 | xxx | 8.449 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16414088 |  |  | xxx | 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 | xxx | 9.867 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17870176 |  |  | xxx | 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 | xxx | N/A | Employed |  | No |  | Yes | Present |
| 17556559 |  |  | xxx | 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 | xxx | 8.388 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Not Employed |  | No |  | No |  |
| 17050369 |  | xxx | xxx | 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 | xxx | 8.693 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 10321445 |  |  | xxx | 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 | xxx | 12.075 | Yes | Yes | N/A | Yes | N/A | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18596354 |  |  | xxx | 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 | xxx | 11.366 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 15439007 |  |  | xxx | 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 | xxx | 10.452 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 15427729 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | 13.516 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18487155 |  |  | xxx | 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 | xxx | 13.648 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 18822198 |  |  | xxx | 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 | xxx | 9.548 | Yes | Yes | N/A | Yes | N/A | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 19638695 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | 13.404 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 15209468 |  |  | xxx | 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 | xxx | 8.741 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 14906011 |  |  | xxx | 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 | xxx | 8.677 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 10879765 |  |  | xxx | 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 | xxx | 8.327 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Retired |  | No |  | No |  |
| 12556350 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 19381615 |  |  | xxx | 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 | xxx | 8.907 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16210219 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | 10.689 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 19545587 |  |  | xxx | 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 | xxx | 11.624 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11247862 |  |  | xxx | 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 | xxx | 8.52 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 13183841 |  | xxx | xxx | 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 | xxx | 9.081 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17274456 |  |  | xxx | 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 | xxx | 10.138 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14096740 |  |  | xxx | 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 | xxx | 11.206 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 10366096 |  |  | xxx | 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 | xxx | 12.2 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14324802 |  | xxx | xxx | 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 | xxx | 10.372 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14996622 |  |  | xxx | 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 | xxx | 10.107 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 17896360 |  |  | xxx | 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 | xxx | 10.093 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 13993989 |  |  | xxx | 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 | xxx | 8.517 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 19384542 |  |  | xxx | 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 | xxx | 8.296 | Yes | Yes | Yes | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 13037773 |  |  | xxx | 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 | xxx | 9.738 | Yes | Yes | Yes | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 15681154 | 1081023076 |  | xxx | 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 | xxx | 9.765 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 16874856 |  |  | xxx | 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 | xxx | 8.763 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 12478201 |  | xxx | xxx | 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 | xxx | 8.707 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17114841 |  |  | xxx | 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 | xxx | 9.417 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 15136741 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | 10.563 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14874630 |  |  | xxx | 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 | xxx | 12.905 | N/A | N/A | N/A | N/A | N/A | Yes | Yes | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11369768 |  |  | xxx | 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 | xxx | 10.72 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 13290450 |  |  | xxx | 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 | xxx | 12.285 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 13689251 |  |  | xxx | 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 | Yes | xxx | 10.773 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16564430 |  |  | xxx | 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 | xxx | 10.358 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | N/A | Employed | Employed | No | No | No |  |
| 17352992 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | 10.21 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 19699734 |  |  | xxx | 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 | xxx | 9.979 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 10171320 |  |  | xxx | 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 | xxx | 9.097 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Retired |  | No |  | No |  |
| 15086569 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | 12.898 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 11785482 |  |  | xxx | 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 | xxx | 7.831 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 14939869 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | 12.841 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 13458952 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | Yes | No | No | No | No | No | No | No | No | xxx | 10.368 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 10989572 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | 12.798 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17463536 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 10906349 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | 12.846 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 14799693 |  |  | xxx | 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 | xxx | 9.895 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16300985 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 10992285 |  |  | xxx | 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 | xxx | 9.168 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 15374567 |  |  | xxx | 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 | xxx | 8.902 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11704412 |  |  | xxx | 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 | xxx | 10.408 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 13118550 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | 13.249 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14548498 |  |  | xxx | 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 | xxx | 9.888 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 13232041 |  |  | xxx | 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 | xxx | 9.149 | Yes | Yes | Yes | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 19048264 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | Yes | No | No | No | No | No | No | No | No | xxx | 12.324 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | N/A | Employed | Employed | No | No | No |  |
| 16226513 |  |  | xxx | 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 | xxx | 8.853 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11294453 |  |  | xxx | 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 | xxx | 9.548 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 10473516 |  | xxx | xxx | 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 | xxx | 10.347 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 17366513 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | 11.548 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17763511 |  |  | xxx | 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 | xxx | 10.239 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16303035 |  |  | xxx | 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 | xxx | 12.543 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 10001464 |  |  | xxx | 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 | xxx | 8.398 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18584389 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No | No | Yes | Present |
| 10186153 |  |  | xxx | 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 | xxx | 12.119 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 10288701 |  |  | xxx | 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 | xxx | 11.006 | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 13113573 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | 10.688 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 10087819 |  |  | xxx | 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 | xxx | 8.883 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11517700 |  |  | xxx | 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 | xxx | 9.66 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 13291478 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 16181300 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | 13.496 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16449442 |  |  | xxx | 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 | xxx | 11.746 | Yes | Yes | Yes | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 12807583 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | 10.339 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18041798 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | 10.263 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 19490766 |  |  | xxx | 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 | xxx | 10.002 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17216540 |  |  | xxx | 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 | xxx | 9.42 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 13287255 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 18153271 |  |  | xxx | 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 | xxx | 8.663 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 13348391 |  |  | xxx | 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 | xxx | N/A | Employed |  | No |  | Yes | Present |
| 18937697 |  |  | xxx | 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 | xxx | 9.172 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 13985166 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | 10.283 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 10347314 |  |  | xxx | 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 | xxx | 8.511 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 15732542 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No | No | Yes | Present |
| 10602978 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No | No | Yes | Present |
| 13589659 |  | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | 11.354 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 19128278 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 15244053 |  | xxx | xxx | 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 | xxx | 10.324 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11097209 |  |  | xxx | 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 | xxx | 10.17 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17399236 |  |  | xxx | 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 | xxx | 9.588 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12374485 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | Yes |  |  | 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 | xxx | N/A | Employed |  | No |  | Yes | Present |
| 13399457 |  |  | xxx | 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 | xxx | 8.156 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 14251224 |  |  | xxx | 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 | xxx | 11.258 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 18401713 |  |  | xxx | 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 | xxx | 10.042 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18141574 |  |  | xxx | 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 | xxx | 10.32 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Retired |  | No |  | No |  |
| 11893083 |  |  | xxx | 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 | xxx | 10.911 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 18580763 |  |  | xxx | 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 | xxx | 8.929 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18889748 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | 10.517 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 15111899 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | 13.002 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 13333550 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | xxx | 10.649 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | N/A | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16102711 |  |  | xxx | 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 | xxx | 11.222 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 13012458 |  |  | xxx | 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 | xxx | 8.476 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Not Employed | Employed | No | No | No |  |
| 18515972 |  |  | xxx | 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 | xxx | 8.534 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | Yes | Employed |  | No |  | No |  |
| 12006059 |  |  | xxx | 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 | xxx |  |  |  | No |  | Yes | Present |
| 16367949 |  |  | xxx | 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 | xxx |  |  |  | No |  | Yes | Present |
| 19719418 |  |  | xxx | 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 | xxx | 8.354 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 15931865 |  |  | xxx | 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 | xxx | 8.883 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17782296 |  |  | xxx | 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 | xxx | 8.2 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14802362 |  |  | xxx | 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 | xxx | 9.398 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11199914 |  |  | xxx | 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 | xxx | N/A | Employed |  | No |  | Yes | Present |
| 16418414 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | 12.428 | Yes | Yes | N/A | Yes | N/A | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11035940 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 16570395 |  |  | xxx | 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 | xxx | 8.249 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 13169426 |  |  | xxx | 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 | xxx | 12.304 | Yes | Yes | N/A | Yes | Yes | No | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 15018250 |  |  | xxx | 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 | xxx | 10.142 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 17360143 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | 13.479 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17332780 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | 13.494 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 12463000 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | 13.445 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14097487 |  |  | xxx | 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 | xxx | 12.287 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | N/A | Employed | Employed | No | No | No |  |
| 18933350 |  |  | xxx | 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 | xxx | 9.66 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 15164501 |  |  | xxx | 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 | xxx | 8.839 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | N/A | Employed | Employed | No | No | No |  |
| 17896883 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | 12.529 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 10514312 |  |  | xxx | 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 | xxx | 9.839 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 15955340 |  |  | xxx | 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 | xxx | 9.38 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 15166352 |  | xxx | xxx | 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 | xxx | 8.208 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Not Employed | Employed | No | No | No |  |
| 14454618 |  | xxx | xxx | 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 | xxx | 9.752 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 13700634 |  |  | xxx | 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 | xxx | 9.826 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Not Employed | Employed | No | No | No |  |
| 12948205 |  |  | xxx | 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 | xxx | 9.361 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17412880 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | 10.346 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18184172 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 13650681 |  |  | xxx | 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 | xxx | 11.025 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 12411048 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | 10.624 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17072037 |  |  | xxx | 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 | xxx | 9.761 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 11720719 |  |  | xxx | 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 | xxx | 8.521 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 15585343 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | 11.518 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16178808 |  |  | xxx | 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 | xxx | 8.795 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12194472 |  |  | xxx | 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 | xxx | 9.022 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | N/A | N/A | xxx | Yes | Retired |  | No |  | No |  |
| 18900644 |  |  | xxx | 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 | xxx | 9.724 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16354782 |  |  | xxx | 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 | xxx |  |  |  | No |  | Yes | Present |
| 13433889 |  |  | xxx | 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 | xxx | 9.014 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 19107955 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | 11.587 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 15995274 |  | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | 12.989 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Retired |  | No |  | No |  |
| 17358869 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 15521124 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 14522515 |  |  | xxx | 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 | xxx | N/A | Employed |  | No |  | Yes | Present |
| 15490415 |  |  | xxx | 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 | xxx | N/A | Employed |  | No |  | Yes | Present |
| 12771934 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | 11.228 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16390279 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | Yes | N/A | Yes | N/A | N/A | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 11253692 |  |  | xxx | 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 | xxx | 8.997 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 15642141 |  |  | xxx | 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 | xxx | 9.311 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 11111752 |  |  | xxx | 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 | xxx | 9.388 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 13633339 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | 11.481 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 10481422 |  |  | xxx | 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 | xxx | 12.608 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 15029732 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | 10.356 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 10670354 |  |  | xxx | 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 | xxx | 9.991 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 10778316 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 17792294 |  |  | xxx | 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 | xxx | 9.035 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 19905987 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | 13.497 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 12945685 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | 11.819 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 18691868 |  |  | xxx | 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 | xxx | 11.108 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Retired |  | No |  | No |  |
| 12333934 |  |  | xxx | 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 | xxx | 9.488 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18863873 |  |  | xxx | 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 | xxx | 11.6 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 13741312 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | 10.181 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 18576974 |  |  | xxx | 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 | xxx | 12.049 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11143764 |  |  | xxx | 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 | xxx | N/A | Employed |  | No |  | Yes | Present |
| 16299608 |  |  | xxx | 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 | xxx | 10.041 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 11554432 |  | xxx | xxx | 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 | xxx | 8.413 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 11201941 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | 10.577 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 13937495 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | 12.03 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16853136 |  |  | xxx | 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 | xxx | 9.361 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 15605917 |  |  | xxx | 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 | xxx | 8.913 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | N/A | Not Employed | Not Employed | No | No | No |  |
| 18057770 |  |  | xxx | 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 | xxx | 10.455 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 11098243 |  |  | xxx | 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 | xxx | 12.973 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 19103842 |  |  | xxx | 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 | xxx | 11.617 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 10002425 |  |  | xxx | 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 | xxx | 11.965 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 10088409 |  |  | xxx | 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 | xxx | 9.927 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11643495 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | 12.372 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18376863 |  |  | xxx | 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 | xxx | 9.12 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 13043462 |  |  | xxx | 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 | xxx | 9.849 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 13722815 |  |  | xxx | 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 | xxx | 10.571 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14462365 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | 12.867 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11032947 |  |  | xxx | 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 | xxx | N/A | Employed |  | No |  | Yes | Present |
| 11539980 |  |  | xxx | 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 | xxx | 10.638 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Retired | Retired | No | No | No |  |
| 12754297 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | 10.458 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 19025593 |  |  | xxx | 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 | xxx | 9.363 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14252382 |  |  | xxx | 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 | xxx | 11.608 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11068345 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | 12.885 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 13215205 |  |  | xxx | 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 | xxx | 10.447 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 16085533 |  |  | xxx | 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 | xxx | 9.743 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14485385 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 15809849 |  |  | xxx | 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 | xxx | 8.698 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | N/A | Not Employed | Not Employed | No | No | No |  |
| 11433841 |  |  | xxx | 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 | xxx | 9.301 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18636454 |  |  | xxx | 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 | xxx | 9.221 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 16173664 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | 10.713 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16635873 |  |  | xxx | 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 | xxx | 9.075 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 14496612 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | 10.662 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 15594730 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | 11.071 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 13516568 |  |  | xxx | 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 | xxx | 9.999 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14238641 |  |  | xxx | 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 | xxx | 9.863 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17403123 |  |  | xxx | 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 | xxx | 12.555 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 19384125 |  |  | xxx | 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 | xxx | 13.054 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Retired |  | No |  | No |  |
| 14739755 |  |  | xxx | 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 | xxx | 9.723 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 12854507 |  |  | xxx | 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 | xxx | 8.914 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17368774 |  |  | xxx | 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 | xxx | 9.269 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12865776 |  |  | xxx | 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 | xxx | 8.521 | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16057026 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 10620462 |  |  | xxx | 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 | xxx | 9.367 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12528721 |  |  | xxx | 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 | xxx | 8.458 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | Yes | Employed |  | No |  | No |  |
| 11178528 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | xxx | 10.335 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 19562499 |  |  | xxx | 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 | xxx | 10.686 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11738519 |  |  | xxx | 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 | xxx | 11.797 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | N/A | Retired | Employed | No | No | No |  |
| 14582406 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | Yes | No | No | No | No | No | No | No | No | xxx | 10.302 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16496706 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | Yes | No | No | No | No | No | No | No | No | xxx | 11.24 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 19666946 |  |  | xxx | 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 | xxx | 12.445 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 13351567 |  |  | xxx | 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 | xxx | 11.346 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18821264 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 15414722 |  |  | xxx | 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 | xxx | 10.858 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17391351 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | 12.895 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14910323 |  |  | xxx | 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 | xxx | 9.84 | Yes | Yes | N/A | Yes | N/A | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17631098 |  |  | xxx | 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 | xxx | 8.922 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 19032999 |  |  | xxx | 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 | xxx | 8.817 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 15841319 |  |  | xxx | 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 | xxx | 9.733 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 10757216 |  |  | xxx | 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 | xxx | 11.907 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16016379 |  |  | xxx | 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 | xxx | 8.856 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12266419 |  | xxx | xxx | 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 | xxx | 8.089 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 16479989 |  |  | xxx | 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 | xxx | 8.938 | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Not Employed | Employed | No | No | No |  |
| 13322357 |  |  | xxx | 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 | xxx | 8.605 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 10800394 |  |  | xxx | 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 | xxx | 8.442 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 19440006 |  |  | xxx | 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 | xxx | 9.791 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 10571939 |  | xxx | xxx | 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 | xxx | 10.187 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16478245 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | 11.188 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 19589011 |  |  | xxx | 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 | xxx | 9.939 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12216141 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | 12.919 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 10103982 |  |  | xxx | 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 | xxx | 11.498 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12069898 |  |  | xxx | 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 | xxx | 13.433 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16757336 |  |  | xxx | 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 | xxx | 9.482 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Retired | Employed | No | No | No |  |
| 14903938 |  |  | xxx | 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 | xxx | 9.756 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11138925 |  |  | xxx | 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 | xxx | 8.777 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 10179787 |  |  | xxx | 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 | xxx | 9.518 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 11311809 |  |  | xxx | 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 | xxx | 9.564 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 16806020 |  |  | xxx | 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 | xxx | 9.221 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 19253528 |  |  | xxx | 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 | xxx | 11.645 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 10134464 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | Yes | No | No | No | No | No | No | No | No | xxx | 9.654 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 10444748 |  |  | xxx | 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 | xxx | 9.247 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 18779129 |  |  | xxx | 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 | xxx | 9.588 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 16933213 |  |  | xxx | 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 | xxx | 11.568 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Retired | Employed | No | No | No |  |
| 19689340 |  |  | xxx | 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 | xxx | 9.661 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 15755312 |  |  | xxx | 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 | xxx | 10.229 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17546117 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 12759966 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | 10.342 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16256887 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | 10.411 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16161161 |  |  | xxx | 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 | xxx | 9.235 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18099670 |  |  | xxx | 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 | xxx | 8.761 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 16955032 |  |  | xxx | 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 | xxx | 9.671 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14916313 |  | xxx | xxx | 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 | xxx | 9.967 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | Yes | Employed |  | No |  | No |  |
| 14387844 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | 10.756 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 15536871 |  |  | xxx | 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 | xxx | 8.653 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 17005109 |  |  | xxx | 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 | xxx | 8.368 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Retired | Retired | No | No | No |  |
| 13830201 |  |  | xxx | 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 | xxx | N/A | Employed |  | No |  | Yes | Present |
| 13938211 |  |  | xxx | 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 | xxx | 9.158 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | N/A | Employed |  | No | No | No |  |
| 10719872 |  |  | xxx | 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 | xxx | 9.552 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11150019 |  |  | xxx | 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 | xxx | 10.828 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | N/A | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11520810 |  |  | xxx | 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 | xxx | 9.995 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Retired | No | No | No |  |
| 19175367 |  |  | xxx | 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 | xxx | 9.035 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Retired | No | No | No |  |
| 17023990 |  |  | xxx | 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 | xxx | 11.171 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 13415957 |  |  | xxx | 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 | xxx | 12.188 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16080555 |  |  | xxx | 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 | xxx | 9.609 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 13763119 |  |  | xxx | 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 | Yes | No | No | No | Yes | xxx | 10.231 | N/A | N/A | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12497155 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 18831238 |  |  | xxx | 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 | xxx | 8.693 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 13194977 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 11202890 |  | xxx | xxx | 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 | xxx | 8.053 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Retired |  | No |  | No |  |
| 18793255 |  |  | xxx | 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 | xxx | 8.462 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 19239659 |  | xxx | xxx | 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 | xxx | 9.751 | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14500297 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 14689487 |  |  | xxx | 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 | xxx | 9.355 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 15359563 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 10148301 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 11697432 |  |  | xxx | 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 | xxx | 8.611 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14260256 |  |  | xxx | 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 | xxx | 8.444 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 10510364 |  |  | xxx | 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 | xxx | 7.983 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 13222612 |  |  | xxx | 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 | Yes | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 15065025 |  |  | xxx | 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 | xxx |  |  |  | No |  | Yes | Present |
| 10628949 |  | xxx | xxx | 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 | xxx | 9.435 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 11519669 |  |  | xxx | 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 | xxx | 9.165 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Retired | No | No | No |  |
| 12856639 |  |  | xxx | 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 | xxx | 10.558 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 10827804 |  |  | xxx | 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 | xxx | 11.893 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11657387 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | 12.898 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Retired | Employed | No | No | No |  |
| 19980159 |  |  | xxx | 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 | xxx | 11.314 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Not Employed | Employed | No | No | No |  |
| 12071629 |  |  | xxx | 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 | xxx | 9.135 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14970607 |  |  | xxx | 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 | xxx | 9.173 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | N/A | Employed | Employed | No | No | No |  |
| 17596144 |  |  | xxx | 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 | xxx | 9.545 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11087759 |  |  | xxx | 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 | xxx | 11.133 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18146521 |  |  | xxx | 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 | xxx | 12.642 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14800001 |  | xxx | xxx | 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 | xxx | 8.334 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 12218284 |  |  | xxx | 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 | xxx | 11.696 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 15764348 |  |  | xxx | 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 | xxx | 8.75 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 18383325 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | 10.484 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 15224021 |  |  | xxx | 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 | xxx | N/A | Employed |  | No |  | Yes | Present |
| 16288267 |  |  | xxx | 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 | xxx | 10.014 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 15330878 |  |  | xxx | 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 | xxx | 9.481 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14531571 |  |  | xxx | 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 | xxx | 12.319 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 12929103 |  |  | xxx | 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 | xxx | 9.634 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 15800099 |  |  | xxx | 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 | xxx | 10.048 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 10138910 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | 13.139 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12825908 |  |  | xxx | 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 | xxx | 10.142 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 15694861 |  |  | xxx | 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 | xxx | 9.817 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Not Employed | Not Employed | No | No | No |  |
| 15125919 |  |  | xxx | 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 | xxx | 11.72 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Retired | Employed | No | No | No |  |
| 18208191 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed | Employed | No | No | Yes | Present |
| 17200798 |  |  | xxx | 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 | xxx | 8.422 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11639692 |  |  | xxx | 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 | xxx | 9.527 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Retired | Employed | No | No | No |  |
| 17621412 |  |  | xxx | 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 | xxx | 8.307 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18957031 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 12224082 |  |  | xxx | 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 | xxx |  |  |  | No |  | Yes | Present |
| 19239059 |  |  | xxx | 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 | xxx | 10.375 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 11740504 |  |  | xxx | 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 | xxx | 10.433 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 13428625 |  |  | xxx | 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 | xxx | 10.174 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 10676039 |  |  | xxx | 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 | xxx | 8.904 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 15909471 |  |  | xxx | 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 | xxx | 12.44 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 17276402 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 12644965 |  |  | xxx | 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 | xxx | 9.534 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17094842 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 16733215 |  |  | xxx | 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 | xxx | N/A | Employed |  | No |  | Yes | Present |
| 15550155 |  |  | xxx | 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 | xxx | 9.62 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 10738186 |  |  | xxx | 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 | xxx | 8.71 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 19571129 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No | No | Yes | Present |
| 10796189 |  |  | xxx | 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 | xxx | 8.664 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18526471 |  |  | xxx | 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 | xxx | 8.771 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 10940884 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 17939020 |  |  | xxx | 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 | xxx | 10.105 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 10025901 |  |  | xxx | 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 | Yes | No | No | No | Yes | xxx | 9.627 | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 10028543 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 15267341 |  |  | xxx | 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 | xxx | N/A | Employed |  | No |  | Yes | Present |
| 19995081 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | 10.365 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 10490242 |  |  | xxx | 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 | xxx | 9.313 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 10704610 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | 11.918 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | N/A | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16358769 |  |  | xxx | 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 | xxx | 8.851 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 18580798 |  |  | xxx | 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 | xxx | N/A | Employed |  | No |  | Yes | Present |
| 10223798 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | 11.452 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 14196718 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | Yes | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 15799006 |  |  | xxx | 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 | xxx | 8.303 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 19673630 |  |  | xxx | 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 | xxx | 9.584 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Retired | No | No | No |  |
| 10091917 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | 12.767 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12166424 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 15444975 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | 12.496 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 19905676 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 13881169 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 14335373 |  |  | xxx | 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 | xxx | 9.131 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 17577967 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | 11.689 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 10187959 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | 12.723 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | N/A | Employed | Employed | No | No | No |  |
| 10196095 |  |  | xxx | 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 | xxx | 11.566 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 19881247 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | 13.387 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | N/A | Employed | Employed | No | No | No |  |
| 19082672 |  |  | xxx | 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 | xxx | 11.251 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16372199 |  |  | xxx | 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 | Yes | xxx | 11.098 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16352956 |  |  | xxx | 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 | xxx | 13.08 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12190039 |  |  | xxx | 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 | xxx | 10.684 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 13240848 |  |  | xxx | 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 | xxx | 10.17 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11533392 |  |  | xxx | 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 | xxx | 10.788 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17329018 |  | xxx | xxx | 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 | xxx | 9.223 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 15816924 |  | xxx | xxx | 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 | xxx | 8.847 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16892400 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 17525707 |  |  | xxx | 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 | xxx | 9.323 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | N/A | Employed | Employed | No | No | No |  |
| 14752263 |  | xxx | xxx | 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 | xxx | 8.622 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17305247 |  | xxx | xxx | 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 | xxx | 10.096 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17094641 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | 12.67 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 15040328 |  |  | xxx | 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 | xxx | 8.373 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 15039071 |  |  | xxx | 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 | xxx | 8.516 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14068167 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 19862604 |  |  | xxx | 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 | xxx | 10.922 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 14603640 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | Yes | No | No | No | No | No | No | No | No | xxx | 12.602 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16245204 |  |  | xxx | 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 | xxx | 9.023 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16179845 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 13408104 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | 12.706 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 10011126 |  |  | xxx | 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 | xxx | 11.791 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Retired | Retired | No | No | No |  |
| 16935907 |  |  | xxx | 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 | xxx | 9.327 | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 15615295 |  |  | xxx | 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 | xxx | 11.412 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Retired |  | No |  | No |  |
| 12789366 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | Yes | No | No | No | No | No | No | No | No | xxx | 10.561 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Not Employed | Retired | No | No | No |  |
| 18391738 |  |  | xxx | 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 | xxx | 10.299 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16846481 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | 10.297 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16972789 |  |  | xxx | 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 | xxx | 8.85 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 15868410 |  |  | xxx | 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 | xxx | 9.721 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16663523 |  |  | xxx | 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 | xxx | 8.365 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14939914 |  |  | xxx | 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 | xxx | 10.247 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 14728187 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 12104266 |  |  | xxx | 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 | xxx | 8.247 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 19191399 |  |  | xxx | 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 | xxx | 12.94 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 13775572 |  |  | xxx | 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 | xxx |  |  |  | No |  | Yes | Present |
| 12638704 |  | xxx | xxx | 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 | xxx | 8.648 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 17517520 |  |  | xxx | 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 | xxx | 8.807 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 10259565 |  |  | xxx | 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 | xxx | 8.608 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | N/A | Employed | Employed | No | No | No |  |
| 17638644 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 19940872 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | 12.059 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 13106689 |  |  | xxx | 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 | xxx | N/A | Employed |  | No |  | Yes | Present |
| 19951764 |  |  | xxx | 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 | xxx | 8.421 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 19953206 |  | xxx | xxx | 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 | xxx | 9.799 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | N/A | Not Employed | Not Employed | No | No | No |  |
| 11961054 |  | xxx | xxx | 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 | xxx | 9.37 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Retired | Retired | No | No | No |  |
| 17325090 |  |  | xxx | 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 | xxx | 9.148 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 15118812 |  |  | xxx | 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 | xxx | N/A | Employed |  | No |  | Yes | Present |
| 13007884 |  |  | xxx | 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 | xxx | 11.41 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14965981 |  |  | xxx | 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 | xxx | 9.332 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 13132572 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | 11.385 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 17548664 |  |  | xxx | 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 | xxx | 11.49 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Retired | No | No | No |  |
| 10270772 |  |  | xxx | 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 | xxx | 8.851 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Retired |  | No |  | No |  |
| 18787458 |  |  | xxx | 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 | xxx | 8.914 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Retired | Retired | No | No | No |  |
| 19945246 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | 13.151 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 13394789 |  |  | xxx | 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 | xxx | 10.082 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 13173260 |  |  | xxx | 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 | xxx | 12.489 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 18360023 |  |  | xxx | 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 | xxx | 12.575 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 15889650 |  |  | xxx | 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 | xxx | 9.066 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11595053 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | 11.325 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11110075 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 12688657 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | 10.774 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12992414 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 15624172 |  |  | xxx | 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 | xxx | 8.198 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11724698 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | 10.525 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 19914947 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 14287985 |  |  | xxx | 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 | xxx | 10.489 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 15897086 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | 10.426 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 15086947 |  | xxx | xxx | 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 | xxx | 9.97 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 14462494 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 12807743 |  | xxx | xxx | 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 | xxx | 8.324 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 13800976 |  | xxx | xxx | 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 | xxx | 13.078 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18845825 |  |  | xxx | 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 | xxx | 8.737 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16922551 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 14699114 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 18268153 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | 11.581 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 11495947 |  |  | xxx | 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 | xxx | 9.301 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 17459566 |  |  | xxx | 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 | xxx | 10.74 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18766840 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | 11.116 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 15084998 |  |  | xxx | 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 | xxx | 13.615 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12954890 |  |  | xxx | 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 | xxx | 9.299 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 13516531 |  |  | xxx | 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 | xxx | 9.548 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14068525 |  |  | xxx | 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 | xxx | 10.979 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 15167123 |  |  | xxx | 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 | xxx | 12.279 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17898707 |  |  | xxx | 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 | xxx | 10.023 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 15460108 |  |  | xxx | 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 | xxx | 10.856 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14602549 |  |  | xxx | 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 | xxx | 12.589 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12686390 |  |  | xxx | 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 | xxx | 10.223 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 19415071 |  |  | xxx | 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 | xxx | 9.255 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 12754081 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | 12.518 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 15390382 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 18230187 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 15176381 |  |  | xxx | 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 | xxx | 8.043 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Not Employed | Employed | No | No | No |  |
| 19100207 |  |  | xxx | 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 | xxx | 8.307 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 18392671 |  |  | xxx | 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 | xxx | 8.826 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17859165 |  |  | xxx | 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 | xxx | 12.303 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 13425662 |  |  | xxx | 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 | xxx | N/A | Employed |  | No |  | Yes | Present |
| 18026048 |  |  | xxx | 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 | xxx | 9.902 | Yes | N/A | N/A | N/A | N/A | Yes | Yes | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14535032 |  |  | xxx | 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 | xxx | 8.526 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 19625167 |  |  | xxx | 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 | xxx | 9.087 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11088525 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 17755000 |  |  | xxx | 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 | xxx | N/A | Employed |  | No |  | Yes | Present |
| 12961891 |  |  | xxx | 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 | xxx | N/A | Employed |  | No |  | Yes | Present |
| 18300381 |  |  | xxx | 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 | xxx | 8.339 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 14859547 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No | No | Yes | Present |
| 19918814 |  |  | xxx | 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 | xxx | 9.931 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 10854881 |  |  | xxx | 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 | xxx | 8.161 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 13115908 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | 11.021 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17003174 |  |  | xxx | 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 | xxx | 7.966 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 15690544 |  |  | xxx | 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 | xxx | 10.094 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |

---

## Exhibit 99.1

[VISTA POINT ASSETS LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.1 - Schedule 6**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 17492147 | xxx |  | Borrower 1 Employer 1 Years in Line of Work | 24.17 | 290 |  |
| 16619544 | xxx |  | Borrower 1 Employer 1 Years in Line of Work | 4.29 | 0 |  |
| 13815189 | xxx |  | Borrower 1 Employer 1 Years in Line of Work | 18 | 216 |  |
| 15241669 | xxx |  | Borrower 1 Employer 1 Years in Line of Work | 8.34 | 0 |  |
| 10866364 | xxx |  | Borrower 1 Employer 1 Years in Line of Work | 10 | 120 |  |
| 18185116 | xxx |  | Borrower 1 Employer 1 Years in Line of Work | 15 | 180 |  |
| 19584360 | xxx |  | Borrower 1 Employer 1 Years in Line of Work | 11 | 132 |  |
| 13843680 | xxx |  | Borrower 1 Employer 1 Years in Line of Work | 3.42 | 0 |  |
| 13844162 | xxx |  | Borrower 1 Employer 1 Years in Line of Work | 4 | 48 |  |
| 16332592 | xxx | Borrower 1 Employer 1 Years in Line of Work | Borrower 1 Employer 1 Years in Line of Work | 5.87 | 68 |  |
| 16200288 | xxx |  | Borrower 1 Employer 1 Years in Line of Work | 30 | 360 |  |
| 15386908 | xxx |  | Borrower 1 Employer 1 Years in Line of Work | 5.47 | 240 |  |
| 11768557 | xxx |  | Borrower 1 Employer 1 Years in Line of Work | 2.58 | 0 |  |
| 16811008 | xxx |  | Borrower 1 Employer 1 Years in Line of Work | 15 | 180 |  |
| 13183841 | xxx |  | Borrower 1 Employer 1 Years in Line of Work | 25.47 | 304 |  |
| 14324802 | xxx |  | Borrower 1 Employer 1 Years in Line of Work | 2 | 24 |  |
| 10473516 | xxx |  | Borrower 1 Employer 1 Years in Line of Work | 2.87 | 0 |  |
| 15244053 | xxx |  | Borrower 1 Employer 1 Years in Line of Work | 1.79 | 0 |  |
| 11554432 | xxx |  | Borrower 1 Employer 1 Years in Line of Work | 19.57 | 233 |  |
| 10571939 | xxx |  | Borrower 1 Employer 1 Years in Line of Work | 2 | 0 |  |
| 10628949 | xxx |  | Borrower 1 Employer 1 Years in Line of Work | 7.37 | 84 |  |
| 14800001 | xxx |  | Borrower 1 Employer 1 Years in Line of Work | 29.63 | 0 |  |
| 17329018 | xxx |  | Borrower 1 Employer 1 Years in Line of Work | 20 | 240 |  |
| 15816924 | xxx |  | Borrower 1 Employer 1 Years in Line of Work | 24 | 288 |  |
| 14752263 | xxx |  | Borrower 1 Employer 1 Years in Line of Work | 27 | 324 |  |
| 17305247 | xxx |  | Borrower 1 Employer 1 Years in Line of Work | 35 | 420 |  |
| 12807743 | xxx |  | Borrower 1 Employer 1 Years in Line of Work | 22 | 264 |  |
| 13800976 | xxx |  | Borrower 1 Employer 1 Years in Line of Work | 13.66 | 156 |  |
| 15917100 |  |  | Borrower 1 First Name | xxx | xxx |  |
| 13128108 |  |  | Borrower 1 First Name | xxx | xxx |  |
| 13128108 |  |  | Borrower 2 First Name | xxx | xxx |  |
| 14351198 |  |  | Business Purpose Flag | Yes | No |  |
| 17387371 |  |  | Business Purpose Flag | Yes | No |  |
| 18069043 |  |  | Business Purpose Flag | No | Yes |  |
| 10029647 |  |  | Business Purpose Flag | No | Yes |  |
| 19490766 |  |  | Business Purpose Flag | No | Yes |  |
| 17399236 |  |  | Business Purpose Flag | No | Yes |  |
| 13222612 |  |  | Business Purpose Flag | Yes | No |  |
| 12166424 |  |  | Business Purpose Flag | Yes | No |  |
| 17755000 |  |  | Business Purpose Flag | Yes | No |  |
| 14926050 |  |  | Calculated DSCR | 1.026 | N |  |
| 19128278 |  |  | Calculated DSCR | 1.184 | N |  |
| 15359563 |  |  | Calculated DSCR | 1.024 | N |  |
| 11768557 | xxx |  | Interest Rate | xxx | xxx |  |
| 13800976 | xxx |  | Interest Rate | xxx | xxx |  |
| 11622546 |  |  | Loan Amount | xxx | xxx |  |
| 15386908 | xxx |  | Number of Borrowers | 1 | 2 |  |
| 11755675 | xxx |  | Number of Mortgaged Properties | 2 | 1 |  |
| 10866364 | xxx |  | Number of Mortgaged Properties | 2 | 1 |  |
| 18185116 | xxx |  | Number of Mortgaged Properties | 2 | 1 |  |
| 16811008 | xxx |  | Number of Mortgaged Properties | 2 | 1 |  |
| 16226513 |  |  | Occupancy | Second Home | Primary Residence | xxx |
| 13516568 |  |  | Occupancy | Second Home | Primary Residence |  |
| 11150019 |  |  | Occupancy | Second Home | Primary Residence |  |
| 13240848 |  |  | Occupancy | Second Home | Primary Residence | xxx |
| #N/A |  |  | Prepayment Penalty Total Term | 36 | 0 |  |
| 11622546 |  |  | Property Address | xxx | xxx |  |
| 10166753 |  |  | Property City | xxx | xxx |  |
| 17909837 |  |  | Property County | xxx | xxx | xxx |
| 14324802 | xxx |  | Property County | xxx | xxx |  |
| 14184869 |  |  | Property Type | Two to Four Unit | Attached |  |
| 12694401 |  |  | Property Type | PUD | Single Family Detached |  |
| 13216888 |  |  | Property Type | Two to Four Unit | Single Family Detached |  |
| 15779399 |  |  | Property Type | Two to Four Unit | Single Family Detached |  |
| 16562216 |  |  | Property Type | Single Family Attached | Single Family Detached |  |
| 14049057 |  |  | Property Type | PUD | Single Family Detached |  |
| 14351198 |  |  | Property Type | Two to Four Unit | Single Family Detached |  |
| 13342955 |  |  | Property Type | Single Family Attached | Single Family Detached |  |
| 18994403 |  |  | Property Type | Two to Four Unit | Single Family Detached |  |
| 11929093 |  |  | Property Type | Two to Four Unit | Single Family Detached |  |
| 18529546 |  |  | Property Type | Two to Four Unit | Single Family Detached |  |
| 16263683 | xxx |  | Property Type | PUD | Single Family Detached |  |
| 12297799 |  |  | Property Type | Two to Four Unit | Single Family Detached |  |
| 11622546 |  |  | Property Type | PUD | Single Family Detached |  |
| 18069043 |  |  | Property Type | Two to Four Unit | Single Family Detached |  |
| 11980915 |  |  | Property Type | Two to Four Unit | Single Family Detached |  |
| 19458498 |  |  | Property Type | Two to Four Unit | Single Family Detached |  |
| 19570003 |  |  | Property Type | Two to Four Unit | Single Family Detached |  |
| 18818482 |  |  | Property Type | Two to Four Unit | Single Family Detached |  |
| 17155106 |  |  | Property Type | Two to Four Unit | Single Family Detached |  |
| 19384542 |  |  | Property Type | Two to Four Unit | Single Family Detached |  |
| 17366513 |  |  | Property Type | Two to Four Unit | Detached |  |
| 11517700 |  |  | Property Type | Townhouse | Condominium |  |
| 18937697 |  |  | Property Type | Two to Four Unit | Single Family Detached |  |
| 18580763 |  |  | Property Type | PUD | Single Family Detached |  |
| 12006059 |  |  | Property Type | Two to Four Unit | Single Family Detached |  |
| 16367949 |  |  | Property Type | Two to Four Unit | Single Family Detached |  |
| 18184172 |  |  | Property Type | Two to Four Unit | Single Family Detached |  |
| 10778316 |  |  | Property Type | Two to Four Unit | Single Family Detached |  |
| 14739755 |  |  | Property Type | PUD | Single Family Detached |  |
| 12854507 |  |  | Property Type | Two to Four Unit | Single Family Detached |  |
| 17368774 |  |  | Property Type | Two to Four Unit | Single Family Detached |  |
| 19440006 |  |  | Property Type | Two to Four Unit | Single Family Detached |  |
| 18779129 |  |  | Property Type | Townhouse | Condominium |  |
| 13830201 |  |  | Property Type | Two to Four Unit | Single Family Detached |  |
| 13194977 |  |  | Property Type | Two to Four Unit | Detached |  |
| 13222612 |  |  | Property Type | Two to Four Unit | Single Family Detached |  |
| 12224082 |  |  | Property Type | Two to Four Unit | Single Family Detached |  |
| 19239059 |  |  | Property Type | Two to Four Unit | Single Family Detached |  |
| 17276402 |  |  | Property Type | Two to Four Unit | Single Family Detached |  |
| 19571129 |  |  | Property Type | Two to Four Unit | Single Family Detached |  |
| 10028543 |  |  | Property Type | Two to Four Unit | Single Family Detached |  |
| 19995081 |  |  | Property Type | Two to Four Unit | Single Family Detached |  |
| 13881169 |  |  | Property Type | Two to Four Unit | Single Family Detached |  |
| 14068167 |  |  | Property Type | Two to Four Unit | Single Family Detached |  |
| 14728187 |  |  | Property Type | Two to Four Unit | Single Family Detached |  |
| 13775572 |  |  | Property Type | Two to Four Unit | Single Family Detached |  |
| 17638644 |  |  | Property Type | Two to Four Unit | Single Family Detached |  |
| 15118812 |  |  | Property Type | Townhouse | Condominium |  |
| 15889650 |  |  | Property Type | Two to Four Unit | Single Family Detached |  |
| 16922551 |  |  | Property Type | Two to Four Unit | Single Family Detached |  |
| 14699114 |  |  | Property Type | Two to Four Unit | Single Family Detached |  |
| 14859547 |  |  | Property Type | Two to Four Unit | Single Family Detached |  |
| 11622546 |  |  | Property Zip Code | xxx | xxx |  |
| 11622546 |  |  | Qualifying CLTV | 63.65 | 48.53 |  |
| 14799693 |  |  | Qualifying CLTV | 34.41 | 45.59 | xxx |
| 11138925 |  |  | Qualifying CLTV | 36.76 | 33.82 |  |
| 10138910 |  |  | Qualifying CLTV | 75.14 | 12.42 |  |
| 17237631 |  |  | Qualifying FICO | xxx | xxx |  |
| 13982030 |  |  | Qualifying FICO | xxx | xxx |  |
| 19998522 |  |  | Qualifying FICO | xxx | xxx |  |
| 11622546 |  |  | Qualifying FICO | xxx | xxx |  |
| 10029647 |  |  | Qualifying FICO | xxx | xxx |  |
| 13947238 |  |  | Qualifying FICO | xxx | xxx |  |
| 13000016 |  |  | Qualifying FICO | xxx | xxx |  |
| 17072037 |  |  | Qualifying FICO | xxx | xxx |  |
| 11539980 |  |  | Qualifying FICO | xxx | xxx |  |
| 11639692 |  |  | Qualifying FICO | xxx | xxx |  |
| 15897086 |  |  | Qualifying FICO | xxx | xxx |  |
| 11622546 |  |  | Qualifying LTV | 22.56 | 15.92 |  |
| 17867064 |  |  | Qualifying Total Debt Income Ratio | 46.17 | 32.41 |  |
| 19758469 |  |  | Qualifying Total Debt Income Ratio | 47.7 | 26.76 |  |
| 14184869 |  |  | Qualifying Total Debt Income Ratio | 37.78 | 48.049 | xxx |
| 11232955 |  |  | Qualifying Total Debt Income Ratio | 44.77 | 39.50 |  |
| 18455502 |  |  | Qualifying Total Debt Income Ratio | 30.16 | 28.565 |  |
| 12694401 |  |  | Qualifying Total Debt Income Ratio | 45.92 | 48.355 | xxx |
| 17237631 |  |  | Qualifying Total Debt Income Ratio | 28.14 | 13.92 |  |
| 13848915 |  |  | Qualifying Total Debt Income Ratio | 44.64 | 18.73 |  |
| 16995754 |  |  | Qualifying Total Debt Income Ratio | 42.91 | 26.19 |  |
| 12227200 |  |  | Qualifying Total Debt Income Ratio | 40.78 | 34.34 |  |
| 12586592 |  |  | Qualifying Total Debt Income Ratio | 38.63 | 20.92 |  |
| 18356179 |  |  | Qualifying Total Debt Income Ratio | 48.52 | 32.73 |  |
| 12940047 |  |  | Qualifying Total Debt Income Ratio | 25.87 | 27.34 |  |
| 18857653 |  |  | Qualifying Total Debt Income Ratio | 36.3 | 25.09 |  |
| 17158231 |  |  | Qualifying Total Debt Income Ratio | 40.27 | 33.15 |  |
| 16916556 |  |  | Qualifying Total Debt Income Ratio | 40.12 | 27.02 |  |
| 17593235 |  |  | Qualifying Total Debt Income Ratio | 42.9 | 28.15 |  |
| 16987166 |  |  | Qualifying Total Debt Income Ratio | 44.29 | 42.98 |  |
| 10076506 |  |  | Qualifying Total Debt Income Ratio | 25.59 | 20.50 |  |
| 13239946 |  |  | Qualifying Total Debt Income Ratio | 40.27 | 42.91 |  |
| 10678260 |  |  | Qualifying Total Debt Income Ratio | 45.64 | 34.78 |  |
| 10384925 |  |  | Qualifying Total Debt Income Ratio | 26.14 | 21.17 | xxx |
| 16562216 |  |  | Qualifying Total Debt Income Ratio | 40.87 | 32.11 |  |
| 12302093 |  |  | Qualifying Total Debt Income Ratio | 22.96 | 7.62 |  |
| 12154897 |  |  | Qualifying Total Debt Income Ratio | 40.86 | 37.882 |  |
| 16184991 |  |  | Qualifying Total Debt Income Ratio | 17.72 | 10.00 |  |
| 17494903 |  |  | Qualifying Total Debt Income Ratio | 43.31 | 33.45 |  |
| 11597689 |  |  | Qualifying Total Debt Income Ratio | 42.49 | 34.76 |  |
| 12277914 |  |  | Qualifying Total Debt Income Ratio | 41.35 | 33.35 |  |
| 13594640 |  |  | Qualifying Total Debt Income Ratio | 32.83 | 25.19 |  |
| 17464497 |  |  | Qualifying Total Debt Income Ratio | 40.39 | 30.38 |  |
| 12911272 |  |  | Qualifying Total Debt Income Ratio | 49.59 | 33.78 |  |
| 16889364 |  |  | Qualifying Total Debt Income Ratio | 42.14 | 39.27 |  |
| 17620988 |  |  | Qualifying Total Debt Income Ratio | 44.87 | 18.01 | xxx |
| 11359644 |  |  | Qualifying Total Debt Income Ratio | 41.92 | 21.39 |  |
| 17810787 |  |  | Qualifying Total Debt Income Ratio | 44.76 | 40.38 |  |
| 15903693 |  |  | Qualifying Total Debt Income Ratio | 42.2 | 34.08 |  |
| 13635780 |  |  | Qualifying Total Debt Income Ratio | 41.49 | 32.20 |  |
| 11616953 |  |  | Qualifying Total Debt Income Ratio | 29.83 | 18.64 |  |
| 18663924 |  |  | Qualifying Total Debt Income Ratio | 39.3 | 37.456 |  |
| 13982030 |  |  | Qualifying Total Debt Income Ratio | 28.54 | 39.31 |  |
| 13633453 |  |  | Qualifying Total Debt Income Ratio | 39.6 | 41.56 |  |
| 16629383 |  |  | Qualifying Total Debt Income Ratio | 38.45 | 26.33 |  |
| 18377966 |  |  | Qualifying Total Debt Income Ratio | 40.36 | 13.07 |  |
| 14640133 |  |  | Qualifying Total Debt Income Ratio | 41.48 | 43.11 |  |
| 11646342 |  |  | Qualifying Total Debt Income Ratio | 32.29 | 17.48 |  |
| 10587192 |  |  | Qualifying Total Debt Income Ratio | 44.3 | 38.68 |  |
| 12719007 |  |  | Qualifying Total Debt Income Ratio | 38.44 | 30.22 |  |
| 16284348 |  |  | Qualifying Total Debt Income Ratio | 47.03 | 33.18 |  |
| 19561189 |  |  | Qualifying Total Debt Income Ratio | 44.13 | 22.28 |  |
| 11982801 |  |  | Qualifying Total Debt Income Ratio | 38.88 | 30.30 |  |
| 18345129 |  |  | Qualifying Total Debt Income Ratio | 44.98 | 36.96 | xxx |
| 10987380 |  |  | Qualifying Total Debt Income Ratio | 44.36 | 33.79 | xxx |
| 17275282 |  |  | Qualifying Total Debt Income Ratio | 43.93 | 34.79 |  |
| 12950982 |  |  | Qualifying Total Debt Income Ratio | 40.39 | 41.773 |  |
| 19220433 |  |  | Qualifying Total Debt Income Ratio | 43.71 | 39.76 | xxx |
| 18471211 |  |  | Qualifying Total Debt Income Ratio | 40.14 | 29.67 | xxx |
| 14069777 |  |  | Qualifying Total Debt Income Ratio | 33.09 | 24.75 |  |
| 12937662 |  |  | Qualifying Total Debt Income Ratio | 33.84 | 31.23 | xxx |
| 11317873 |  |  | Qualifying Total Debt Income Ratio | 22.7 | 15.75 | xxx |
| 15230073 |  |  | Qualifying Total Debt Income Ratio | 42.96 | 32.05 |  |
| 19865843 |  |  | Qualifying Total Debt Income Ratio | 42.89 | 33.10 |  |
| 16425543 |  |  | Qualifying Total Debt Income Ratio | 43.28 | 16.40 |  |
| 11622546 |  |  | Qualifying Total Debt Income Ratio | 33.88 | 27.23 |  |
| 11980915 |  |  | Qualifying Total Debt Income Ratio | 40.84 | 46.851 |  |
| 18194711 |  |  | Qualifying Total Debt Income Ratio | 43.94 | 23.98 |  |
| 15075016 |  |  | Qualifying Total Debt Income Ratio | 43.05 | 24.47 |  |
| 17769553 |  |  | Qualifying Total Debt Income Ratio | 38.5 | 40.48 |  |
| 11771353 |  |  | Qualifying Total Debt Income Ratio | 42.06 | 44.310 |  |
| 10951928 |  |  | Qualifying Total Debt Income Ratio | 47.53 | 41.32 |  |
| 15581893 |  |  | Qualifying Total Debt Income Ratio | 36.89 | 29.31 |  |
| 19281867 |  |  | Qualifying Total Debt Income Ratio | 44.71 | 25.75 |  |
| 11945074 |  |  | Qualifying Total Debt Income Ratio | 43.82 | 38.10 |  |
| 16388004 |  |  | Qualifying Total Debt Income Ratio | 32.63 | 17.90 |  |
| 13698482 |  |  | Qualifying Total Debt Income Ratio | 22.61 | 16.77 |  |
| 16641672 |  |  | Qualifying Total Debt Income Ratio | 38.17 | 32.13 |  |
| 19669267 |  |  | Qualifying Total Debt Income Ratio | 42.32 | 28.68 |  |
| 12980631 |  |  | Qualifying Total Debt Income Ratio | 36.04 | 29.61 |  |
| 19797113 |  |  | Qualifying Total Debt Income Ratio | 40.83 | 29.76 |  |
| 13209555 |  |  | Qualifying Total Debt Income Ratio | 43.98 | 37.44 |  |
| 18211183 |  |  | Qualifying Total Debt Income Ratio | 44.95 | 17.49 |  |
| 15896740 |  |  | Qualifying Total Debt Income Ratio | 39.88 | 27.58 |  |
| 13711383 |  |  | Qualifying Total Debt Income Ratio | 42.35 | 35.82 | xxx |
| 15750836 |  |  | Qualifying Total Debt Income Ratio | 34.76 | 14.67 |  |
| 19801762 |  |  | Qualifying Total Debt Income Ratio | 41.72 | 19.80 | xxx |
| 15336726 |  |  | Qualifying Total Debt Income Ratio | 44.13 | 42.08 |  |
| 19457679 |  |  | Qualifying Total Debt Income Ratio | 25.73 | 16.68 |  |
| 16543884 |  |  | Qualifying Total Debt Income Ratio | 39.98 | 33.74 |  |
| 17964065 |  |  | Qualifying Total Debt Income Ratio | 32.83 | 28.14 |  |
| 18287382 | xxx |  | Qualifying Total Debt Income Ratio | 40.07 | 42.44 |  |
| 13326401 |  |  | Qualifying Total Debt Income Ratio | 37.66 | 28.17 |  |
| 18228778 |  |  | Qualifying Total Debt Income Ratio | 43.12 | 39.15 |  |
| 13631680 |  |  | Qualifying Total Debt Income Ratio | 39.7 | 32.76 |  |
| 15578274 |  |  | Qualifying Total Debt Income Ratio | 39.2 | 24.33 |  |
| 17789299 |  |  | Qualifying Total Debt Income Ratio | 44.43 | 22.62 |  |
| 15275351 |  |  | Qualifying Total Debt Income Ratio | 40.09 | 36.92 |  |
| 13551604 |  |  | Qualifying Total Debt Income Ratio | 42.68 | 23.99 |  |
| 10847833 |  |  | Qualifying Total Debt Income Ratio | 36.43 | 34.93 |  |
| 10594306 |  |  | Qualifying Total Debt Income Ratio | 42.92 | 23.50 |  |
| 14129401 |  |  | Qualifying Total Debt Income Ratio | 37.04 | 44.16 | xxx |
| 10321445 |  |  | Qualifying Total Debt Income Ratio | 36.92 | 22.51 |  |
| 18596354 |  |  | Qualifying Total Debt Income Ratio | 44.18 | 36.50 |  |
| 15439007 |  |  | Qualifying Total Debt Income Ratio | 49.89 | 35.34 |  |
| 15427729 |  |  | Qualifying Total Debt Income Ratio | 41.29 | 24.21 |  |
| 18487155 |  |  | Qualifying Total Debt Income Ratio | 44.08 | 34.76 |  |
| 18822198 |  |  | Qualifying Total Debt Income Ratio | 44.81 | 24.37 |  |
| 19638695 |  |  | Qualifying Total Debt Income Ratio | 40.12 | 26.83 |  |
| 14996622 |  |  | Qualifying Total Debt Income Ratio | 49.05 | 36.50 |  |
| 17896360 |  |  | Qualifying Total Debt Income Ratio | 43.92 | 49.78 |  |
| 13037773 |  |  | Qualifying Total Debt Income Ratio | 40.86 | 15.57 | xxx |
| 13290450 |  |  | Qualifying Total Debt Income Ratio | 44.45 | 36.36 |  |
| 13689251 |  |  | Qualifying Total Debt Income Ratio | 42.72 | 15.15 |  |
| 16564430 |  |  | Qualifying Total Debt Income Ratio | 29.55 | 22.49 |  |
| 17352992 |  |  | Qualifying Total Debt Income Ratio | 30.8 | 22.10 |  |
| 19699734 |  |  | Qualifying Total Debt Income Ratio | 35.73 | 30.47 |  |
| 10171320 |  |  | Qualifying Total Debt Income Ratio | 34.23 | 30.96 | xxx |
| 15086569 |  |  | Qualifying Total Debt Income Ratio | 40.42 | 29.78 |  |
| 11785482 |  |  | Qualifying Total Debt Income Ratio | 39.72 | 33.77 | xxx |
| 14939869 |  |  | Qualifying Total Debt Income Ratio | 41.04 | 19.11 | xxx |
| 13458952 |  |  | Qualifying Total Debt Income Ratio | 44.97 | 24.31 |  |
| 10989572 |  |  | Qualifying Total Debt Income Ratio | 36.06 | 30.65 |  |
| 17463536 |  |  | Qualifying Total Debt Income Ratio | 48.87 | 16.63 |  |
| 10906349 |  |  | Qualifying Total Debt Income Ratio | 36.63 | 24.43 |  |
| 14799693 |  |  | Qualifying Total Debt Income Ratio | 18.64 | 27.49 | xxx |
| 15374567 |  |  | Qualifying Total Debt Income Ratio | 44.07 | 21.09 |  |
| 11704412 |  |  | Qualifying Total Debt Income Ratio | 34.1 | 18.96 | xxx |
| 13118550 |  |  | Qualifying Total Debt Income Ratio | 42.04 | 16.32 |  |
| 19048264 |  |  | Qualifying Total Debt Income Ratio | 44.89 | 24.21 | xxx |
| 16226513 |  |  | Qualifying Total Debt Income Ratio | 44.53 | 21.09 | xxx |
| 11294453 |  |  | Qualifying Total Debt Income Ratio | 44.81 | 36.73 | xxx |
| 12807583 |  |  | Qualifying Total Debt Income Ratio | 14.98 | 17.217 |  |
| 19490766 |  |  | Qualifying Total Debt Income Ratio | 47.17 | 49.58 |  |
| 14251224 |  |  | Qualifying Total Debt Income Ratio | 36.39 | 18.79 | xxx |
| 18889748 |  |  | Qualifying Total Debt Income Ratio | 38.86 | 33.98 |  |
| 13333550 |  |  | Qualifying Total Debt Income Ratio | 31.11 | 12.35 |  |
| 16570395 |  |  | Qualifying Total Debt Income Ratio | 49.77 | 44.41 |  |
| 13169426 |  |  | Qualifying Total Debt Income Ratio | 44.46 | 19.30 | xxx |
| 17360143 |  |  | Qualifying Total Debt Income Ratio | 41.54 | 30.64 | xxx |
| 17332780 |  |  | Qualifying Total Debt Income Ratio | 37.93 | 31.45 | xxx |
| 12948205 |  |  | Qualifying Total Debt Income Ratio | 39.96 | 31.84 |  |
| 17412880 |  |  | Qualifying Total Debt Income Ratio | 28.39 | 16.69 |  |
| 16390279 |  |  | Qualifying Total Debt Income Ratio | 41.2 | 37.75 |  |
| 11111752 |  |  | Qualifying Total Debt Income Ratio | 44.55 | 31.58 |  |
| 13633339 |  |  | Qualifying Total Debt Income Ratio | 33.83 | 39.48 |  |
| 19905987 |  |  | Qualifying Total Debt Income Ratio | 39.94 | 8.74 |  |
| 12945685 |  |  | Qualifying Total Debt Income Ratio | 42.61 | 19.49 |  |
| 18691868 |  |  | Qualifying Total Debt Income Ratio | 40.6 | 20.00 |  |
| 12333934 |  |  | Qualifying Total Debt Income Ratio | 25.92 | 22.66 |  |
| 18863873 |  |  | Qualifying Total Debt Income Ratio | 45 | 39.96 |  |
| 13741312 |  |  | Qualifying Total Debt Income Ratio | 42.91 | 24.42 | xxx |
| 16853136 |  |  | Qualifying Total Debt Income Ratio | 42.5 | 21.18 |  |
| 18057770 |  |  | Qualifying Total Debt Income Ratio | 31.23 | 16.88 |  |
| 11098243 |  |  | Qualifying Total Debt Income Ratio | 39.28 | 23.70 |  |
| 10002425 |  |  | Qualifying Total Debt Income Ratio | 44.77 | 30.68 |  |
| 11643495 |  |  | Qualifying Total Debt Income Ratio | 32.6 | 28.23 |  |
| 12754297 |  |  | Qualifying Total Debt Income Ratio | 38.3 | 20.60 | xxx |
| 14252382 |  |  | Qualifying Total Debt Income Ratio | 47.82 | 22.37 |  |
| 11068345 |  |  | Qualifying Total Debt Income Ratio | 32.4 | 14.82 |  |
| 13215205 |  |  | Qualifying Total Debt Income Ratio | 40.41 | 14.52 |  |
| 14496612 |  |  | Qualifying Total Debt Income Ratio | 35.11 | 24.69 |  |
| 15594730 |  |  | Qualifying Total Debt Income Ratio | 30.35 | 25.09 |  |
| 13516568 |  |  | Qualifying Total Debt Income Ratio | 38.97 | 15.07 |  |
| 14238641 |  |  | Qualifying Total Debt Income Ratio | 36.57 | 34.87 |  |
| 19384125 |  |  | Qualifying Total Debt Income Ratio | 42.76 | 28.93 |  |
| 14739755 |  |  | Qualifying Total Debt Income Ratio | 44.29 | 15.36 |  |
| 12854507 |  |  | Qualifying Total Debt Income Ratio | 43.44 | 40.816 |  |
| 17368774 |  |  | Qualifying Total Debt Income Ratio | 47 | 49.803 |  |
| 11178528 |  |  | Qualifying Total Debt Income Ratio | 43.02 | 21.40 |  |
| 19562499 |  |  | Qualifying Total Debt Income Ratio | 37.57 | 33.13 |  |
| 11738519 |  |  | Qualifying Total Debt Income Ratio | 44.65 | 40.87 |  |
| 16496706 |  |  | Qualifying Total Debt Income Ratio | 44.92 | 22.56 |  |
| 13351567 |  |  | Qualifying Total Debt Income Ratio | 39.03 | 25.12 |  |
| 17631098 |  |  | Qualifying Total Debt Income Ratio | 34.83 | 39.10 |  |
| 16016379 |  |  | Qualifying Total Debt Income Ratio | 41.55 | 35.01 |  |
| 16479989 |  |  | Qualifying Total Debt Income Ratio | 39.77 | 49.95 | xxx |
| 13322357 |  |  | Qualifying Total Debt Income Ratio | 35.95 | 36.16 |  |
| 16757336 |  |  | Qualifying Total Debt Income Ratio | 42.97 | 28.45 |  |
| 19253528 |  |  | Qualifying Total Debt Income Ratio | 32.83 | 24.35 |  |
| 10134464 |  |  | Qualifying Total Debt Income Ratio | 44.77 | 36.64 |  |
| 10444748 |  |  | Qualifying Total Debt Income Ratio | 33.98 | 20.67 |  |
| 18779129 |  |  | Qualifying Total Debt Income Ratio | 33.54 | 24.20 |  |
| 16933213 |  |  | Qualifying Total Debt Income Ratio | 39.01 | 28.17 |  |
| 16955032 |  |  | Qualifying Total Debt Income Ratio | 48.55 | 39.31 | xxx |
| 14916313 | xxx |  | Qualifying Total Debt Income Ratio | 47.28 | 49.33 |  |
| 10719872 |  |  | Qualifying Total Debt Income Ratio | 4.39 | 1.43 | xxx |
| 11150019 |  |  | Qualifying Total Debt Income Ratio | 44.61 | 7.77 | xxx |
| 11520810 |  |  | Qualifying Total Debt Income Ratio | 38.36 | 24.86 | xxx |
| 19175367 |  |  | Qualifying Total Debt Income Ratio | 42.46 | 17.91 |  |
| 17023990 |  |  | Qualifying Total Debt Income Ratio | 39.57 | 29.63 |  |
| 13415957 |  |  | Qualifying Total Debt Income Ratio | 32.45 | 25.62 |  |
| 16080555 |  |  | Qualifying Total Debt Income Ratio | 46.96 | 30.14 |  |
| 12856639 |  |  | Qualifying Total Debt Income Ratio | 34.56 | 11.44 |  |
| 10827804 |  |  | Qualifying Total Debt Income Ratio | 41.11 | 25.89 |  |
| 11657387 |  |  | Qualifying Total Debt Income Ratio | 40.19 | 33.52 |  |
| 19980159 |  |  | Qualifying Total Debt Income Ratio | 44.71 | 33.48 | xxx |
| 12071629 |  |  | Qualifying Total Debt Income Ratio | 29.14 | 20.32 |  |
| 14970607 |  |  | Qualifying Total Debt Income Ratio | 48.8 | 37.95 |  |
| 17596144 |  |  | Qualifying Total Debt Income Ratio | 43.74 | 19.88 |  |
| 15224021 |  |  | Qualifying Total Debt Income Ratio | 28.13 | 32.00 |  |
| 14531571 |  |  | Qualifying Total Debt Income Ratio | 35.26 | 16.45 |  |
| 12929103 |  |  | Qualifying Total Debt Income Ratio | 42.87 | 23.48 |  |
| 15800099 |  |  | Qualifying Total Debt Income Ratio | 34.51 | 17.76 | xxx |
| 10138910 |  |  | Qualifying Total Debt Income Ratio | 38.93 | 16.00 |  |
| 12825908 |  |  | Qualifying Total Debt Income Ratio | 41.66 | 24.96 |  |
| 15694861 |  |  | Qualifying Total Debt Income Ratio | 42.73 | 30.27 |  |
| 15125919 |  |  | Qualifying Total Debt Income Ratio | 35.44 | 22.53 |  |
| 10940884 |  |  | Qualifying Total Debt Income Ratio | 45.59 | 40.49 |  |
| 18580798 |  |  | Qualifying Total Debt Income Ratio | 38.22 | 34.74 | xxx |
| 10187959 |  |  | Qualifying Total Debt Income Ratio | 42.5 | 26.25 |  |
| 19082672 |  |  | Qualifying Total Debt Income Ratio | 43.24 | 28.34 |  |
| 12190039 |  |  | Qualifying Total Debt Income Ratio | 39.04 | 29.35 |  |
| 13240848 |  |  | Qualifying Total Debt Income Ratio | 40.87 | 20.81 | xxx |
| 11533392 |  |  | Qualifying Total Debt Income Ratio | 33.29 | 25.04 |  |
| 15039071 |  |  | Qualifying Total Debt Income Ratio | 34.89 | 37.44 | xxx |
| 13408104 |  |  | Qualifying Total Debt Income Ratio | 42.93 | 26.79 |  |
| 10011126 |  |  | Qualifying Total Debt Income Ratio | 38.61 | 35.03 |  |
| 16935907 |  |  | Qualifying Total Debt Income Ratio | 39.18 | 28.61 |  |
| 15615295 |  |  | Qualifying Total Debt Income Ratio | 40.2 | 28.82 |  |
| 12789366 |  |  | Qualifying Total Debt Income Ratio | 44.05 | 31.54 |  |
| 18391738 |  |  | Qualifying Total Debt Income Ratio | 48.81 | 46.218 |  |
| 13007884 |  |  | Qualifying Total Debt Income Ratio | 44.2 | 31.80 |  |
| 14965981 |  |  | Qualifying Total Debt Income Ratio | 49.09 | 28.18 |  |
| 13132572 |  |  | Qualifying Total Debt Income Ratio | 38.73 | 25.83 |  |
| 17548664 |  |  | Qualifying Total Debt Income Ratio | 44.69 | 34.43 |  |
| 10270772 |  |  | Qualifying Total Debt Income Ratio | 43.86 | 36.61 |  |
| 18787458 |  |  | Qualifying Total Debt Income Ratio | 44.74 | 31.08 |  |
| 19945246 |  |  | Qualifying Total Debt Income Ratio | 39.74 | 25.82 | xxx |
| 13394789 |  |  | Qualifying Total Debt Income Ratio | 40.87 | 25.83 | xxx |
| 13173260 |  |  | Qualifying Total Debt Income Ratio | 47.39 | 33.56 | xxx |
| 11595053 |  |  | Qualifying Total Debt Income Ratio | 42.08 | 32.675 |  |
| 11495947 |  |  | Qualifying Total Debt Income Ratio | 23.44 | 13.29 |  |
| 17459566 |  |  | Qualifying Total Debt Income Ratio | 40.05 | 18.14 |  |
| 18766840 |  |  | Qualifying Total Debt Income Ratio | 40.59 | 36.57 |  |
| 12954890 |  |  | Qualifying Total Debt Income Ratio | 43.02 | 37.34 |  |
| 14068525 |  |  | Qualifying Total Debt Income Ratio | 44.94 | 37.09 |  |
| 15167123 |  |  | Qualifying Total Debt Income Ratio | 44.9 | 39.68 |  |
| 17898707 |  |  | Qualifying Total Debt Income Ratio | 35.87 | 27.02 |  |
| 14602549 |  |  | Qualifying Total Debt Income Ratio | 44.84 | 33.91 |  |
| 12686390 |  |  | Qualifying Total Debt Income Ratio | 48.05 | 42.76 |  |
| 19415071 |  |  | Qualifying Total Debt Income Ratio | 39.36 | 30.29 |  |
| 18026048 |  |  | Qualifying Total Debt Income Ratio | 42.58 | 18.11 |  |
| 11622546 |  |  | Term | 180 | 360 |  |
| 14640133 |  |  | Verified Doc Type | Written Verification of Employment | Full Documentation |  |
| 16263683 | xxx |  | Verified Doc Type | 1YR Business P&L | Full Doc |  |
| 13244313 |  |  | Verified Doc Type | W2/1099 Verified | Other Bank Statements |  |
| 10214692 |  |  | Verified Doc Type | W2/1099 Verified | Other Bank Statements |  |
| 12470452 |  |  | Verified Doc Type | 1YR Full Doc | 2 YEAR FULL DOC |  |
| 17050369 | xxx |  | Verified Doc Type | 12 Month Bank Statement | Full Doc |  |
| 15439007 |  |  | Verified Doc Type | 12 Month Bank Statement | Full Documentation |  |
| 13589659 | xxx |  | Verified Doc Type | 1YR Business P&L | Full Doc |  |
| 18141574 |  |  | Verified Doc Type | W2/1099 Verified | Full Documentation |  |
| 12194472 |  |  | Verified Doc Type | Asset Depletion – Total Asset Calculation | Option 2-Full Doc W2 |  |
| 15605917 |  |  | Verified Doc Type | W2/1099 Verified | Full Documentation |  |
| 16933213 |  |  | Verified Doc Type | W2/1099 Verified | Full Documentation |  |
| 10719872 |  |  | Verified Doc Type | 12 Month Bank Statement | Full Documentation |  |
| 17577967 |  |  | Verified Doc Type | 12 Month Bank Statement | Full Documentation |  |
| 12638704 | xxx |  | Verified Doc Type | 1YR Business P&L | Full Doc |  |
| 14965981 |  |  | Verified Doc Type | 24 Month Bank Statement | Full Documentation |  |
| 15086947 | xxx |  | Verified Doc Type | 12 Month Bank Statement | Full Doc |  |

---

## Exhibit 99.2

[VISTA POINT ASSETS LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.2**

![](ex992001.jpg)

**EXECUTIVE SUMMARY**

**VSTA 2025-CES3**

**By Clarifii LLC on October 14, 2025**

VSTA 2025-CES3 Due Diligence Narrative Report – PagE \| 1

**CLARIFII CONTACT INFORMATION** 

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Christine Aug** | &nbsp;&nbsp;**Jason Luttenberger** |
| &nbsp;&nbsp;&nbsp; Vice President of Due Diligence | &nbsp;&nbsp;&nbsp; President and Chief Operating Officer |
| &nbsp;&nbsp;&nbsp; Phone: 813.735.4487 | &nbsp;&nbsp;&nbsp; Phone: 917.742.7797 |
| &nbsp;&nbsp;&nbsp; E-mail: Christine.Aug@Clarifii.com | &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 178 Loans (the "Loans") originated by a correspondent lender and acquired by Vista Point Mortgage, LLC or its affiliates (the "Client") for the VSTA 2025-CES3 transaction. The Loans referenced in this narrative report were reviewed between 05/2025 to 09/2025 by Clarifii. This narrative report provides information about the scope of work performed by Clarifii, and the results of Clarifii's review.

**ORIGINATORS**

Origination channels for the Loans in this review:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Retail | &nbsp;&nbsp;6 | &nbsp;&nbsp;3.37% | &nbsp;&nbsp;$1714725.00 |
| &nbsp;&nbsp;Correspondent Flow with Delegated UW | &nbsp;&nbsp;11 | &nbsp;&nbsp;6.18% | &nbsp;&nbsp;$2726785.00 |
| &nbsp;&nbsp;Correspondent Flow without Delegated UW | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.12% | &nbsp;&nbsp;$858000.00 |
| &nbsp;&nbsp;Wholesale | &nbsp;&nbsp;159 | &nbsp;&nbsp;89.33% | &nbsp;&nbsp;$42062678.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**178** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$47362188.00** |

---

The Review consisted of a population of 178 Loans, with an aggregate principal balance of $47,362,188.00.

**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.

VSTA 2025-CES3 Due Diligence Narrative Report – PagE \| 2

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;DBRS, Inc. | &nbsp;&nbsp;Third-Party Due Diligence Criteria for U.S. RMBS Transactions, September 30, 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;Amount of Other Lien |
| &nbsp;&nbsp;Application Date |
| &nbsp;&nbsp;Balloon Flag |
| &nbsp;&nbsp;Borrower 1 Any Outstanding Judgments? |
| &nbsp;&nbsp;Borrower 1 Any part of down payment borrowed? |
| &nbsp;&nbsp;Borrower 1 Bankruptcy in past 7 years? |
| &nbsp;&nbsp;Borrower 1 Birthdate |
| &nbsp;&nbsp;Borrower 1 Citizen |
| &nbsp;&nbsp;Borrower 1 Country Name |
| &nbsp;&nbsp;Borrower 1 Credit Report Date |
| &nbsp;&nbsp;Borrower 1 Do you intend to occupy property as primary residence? |
| &nbsp;&nbsp;Borrower 1 Email or Internet |
| &nbsp;&nbsp;Borrower 1 Employer 1 Position |
| &nbsp;&nbsp;Borrower 1 Employer 1 Years in Line of Work |
| &nbsp;&nbsp;Borrower 1 Employer 2 Position |
| &nbsp;&nbsp;Borrower 1 Employer 2 Self-Employment Flag |
| &nbsp;&nbsp;Borrower 1 Ethnicity - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Not Hispanic or Latino |
| &nbsp;&nbsp;Borrower 1 Ethnicity Visual Observation or Surname |
| &nbsp;&nbsp;Borrower 1 First Name |
| &nbsp;&nbsp;Borrower 1 Foreclosure in past 7 years? |
| &nbsp;&nbsp;Borrower 1 FTHB |
| &nbsp;&nbsp;Borrower 1 Has there been ownership in a property in last 3 yrs |
| &nbsp;&nbsp;Borrower 1 How was title held? |

---

VSTA 2025-CES3 Due Diligence Narrative Report – PagE \| 3

---

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

---

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---

| |
|:---|
| &nbsp;&nbsp;Borrower 2 Sex - Male |
| &nbsp;&nbsp;Borrower 2 SSN |
| &nbsp;&nbsp;Borrower 2 Telephone Interview |
| &nbsp;&nbsp;Borrower 2 Years in Current Home |
| &nbsp;&nbsp;Calculated DSCR |
| &nbsp;&nbsp;Cash Disbursement Date |
| &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 Rate |
| &nbsp;&nbsp;Investor Loan ID |
| &nbsp;&nbsp;Is the Condo Project warrantable |
| &nbsp;&nbsp;Lender Name |
| &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;Maturity Date |
| &nbsp;&nbsp;MIN No |
| &nbsp;&nbsp;Monthly Hazard Insurance Premium |
| &nbsp;&nbsp;Monthly Property Tax Amount |
| &nbsp;&nbsp;Months Since Bankruptcy |
| &nbsp;&nbsp;Negative Amortization Flag |
| &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;Note Type |
| &nbsp;&nbsp;Number of Borrowers |
| &nbsp;&nbsp;Number of Mortgaged Properties |
| &nbsp;&nbsp;Number of Units |
| &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;Origination Foreclosure Flag |
| &nbsp;&nbsp;Originator QM Status |
| &nbsp;&nbsp;Payment Frequency |
| &nbsp;&nbsp;Prepayment Penalty Flag |
| &nbsp;&nbsp;Prepayment Penalty Total Term |
| &nbsp;&nbsp;Primary Appraised Property Value |
| &nbsp;&nbsp;Property Address |
| &nbsp;&nbsp;Property City |

---

VSTA 2025-CES3 Due Diligence Narrative Report – PagE \| 5

---

| |
|:---|
| &nbsp;&nbsp;Property County |
| &nbsp;&nbsp;Property Rights |
| &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Property Value |
| &nbsp;&nbsp;Property Zip Code |
| &nbsp;&nbsp;QM Qualifying Total Debt Income Ratio |
| &nbsp;&nbsp;Qualifying CLTV |
| &nbsp;&nbsp;Qualifying FICO |
| &nbsp;&nbsp;Qualifying LTV |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio |
| &nbsp;&nbsp;Qualifying Total Housing Expense PITIA |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months |
| &nbsp;&nbsp;Refinance Type |
| &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 Name |
| &nbsp;&nbsp;Underwriting Guideline Product Name |
| &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:

● **Loan Attributes** 

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

– Assets and Reserves

– Gross Income

– Lien Position

– Loan Purpose

– Housing History

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

– Monthly Debt

– Occupancy

– Property Type

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

– Debt to Income Ratio (DTI)

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– Residual Income

– Debt Service Coverage Ratio (DSCR)

● **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

● **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

● **Employment and Income** 

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

– Tax returns

– Financial statements

Paystubs

– IRS Form W-2s

– IRS Form 1099

– IRS documents

– Bank statements

– Lease agreements

– Award letters

– Other documentation in Loan file

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● **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

● **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

● **Property** **Insurance and Taxes** 

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

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

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

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

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

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

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

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

● **Debt Service Coverage Ratio (DSCR)** 

– Calculated DSCR, as required by guidelines

– Confirmed documentation requirements have been met

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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):

● **Initial and Final 1003 Application** 

● **Note** 

● **Mortgage/Deed of Trust** 

● **Appraisal** 

● **Sales Contract** 

● **Title Commitment/Policy** 

● **Junior Lien/Subordination Agreement** 

● **Mortgage Insurance** 

● **Underwriting Approval Documentation inclusive, but not limited to documents listed in the Credit Review section** 

● **Flood Certification** 

● **Initial and Final Loan Estimate (LE)** 

● **Initial and Final and Closing Disclosure (CD)** 

● **Post-Consummation Closing Disclosure (PCCD), as applicable** 

**COMPLIANCE REVIEW**

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

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

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

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

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

● **Compliance Documentation Requirements** 

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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

● **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.

● **Compliance Testing of Truth-in-Lending Act (TILA)/Regulation Z Elements** 

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

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

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

**Right of Rescission** 

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

**Qualified Mortgage and Ability to Repay**

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

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

Reviewed to ensure compliance with RESPA/Regulation X documentation and timing requirements in effect at origination of the mortgage loan for RESPA disclosures (Servicing

VSTA 2025-CES3 Due Diligence Narrative Report – PagE \| 10

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.

● **State and Local Anti-Predatory Requirements** 

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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– 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.

● **Business Purpose Loan Compliance Review** 

– Non-Owner Occupied Declaration Disclosure

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

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

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

– Review Note accuracy and properly executed

– Review Mortgage and applicable riders for accuracy and properly executed

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

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

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

– Right to Receive Copy of Appraisal or Appraisal Waiver Disclosure

– Letter of Explanation detailing the use of proceeds.

– Borrower's statement of purpose for the Loan.

– State License requirements when applicable

– State Predatory lending and high cost when applicable

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**QUALIFIED MORTGAGE (QM)**

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

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

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

**ABILITY TO REPAY (ATR)**

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

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

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

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

VSTA 2025-CES3 Due Diligence Narrative Report – PagE \| 14

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.

● **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.

● **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:**

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

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

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

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

● 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.

● 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

VSTA 2025-CES3 Due Diligence Narrative Report – PagE \| 15

**VALUATION RESULTS SUMMARY**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Valuation Product** | &nbsp;&nbsp;**# of Files – <br> No Hit** | &nbsp;&nbsp;**# of Files > -10%<br> Variance to OA or <br> Confidence < 80%** | &nbsp;&nbsp;**Number of Files within -<br> 10% of OA or Acceptable<br> UCDP Risk Score** |
| &nbsp;&nbsp;AVM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;BPO | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;LCA or CU Score <=2.5 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;67 |
| &nbsp;&nbsp;Desk Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;60 |
| &nbsp;&nbsp;Field Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Second Full Appraisal | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;No Secondary Product | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;38 |

---

**DUE DILIGENCE GRADING CRITERIA** 

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

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

**Final Event Grade**

---

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

---

**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, |

---

VSTA 2025-CES3 Due Diligence Narrative Report – PagE \| 16

 assets, or occupancy are not supported and justifiable. The borrower's willingness and ability to repay the Loan were not documented or are unreasonable.

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

**Valuation Event Grade**

---

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

---

**Compliance Event Grade** 

---

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

---

**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.

VSTA 2025-CES3 Due Diligence Narrative Report – PagE \| 17

**Final Overall Loan Grade Results** 

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall Review Results** | &nbsp;&nbsp;**Overall Review Results** | &nbsp;&nbsp;**Overall Review Results** |
| &nbsp;&nbsp;**Overall Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;139 | &nbsp;&nbsp;78.09% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;39 | &nbsp;&nbsp;21.91% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**178** | &nbsp;&nbsp;**100.00%** |

---

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

**Final Credit Component Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Credit Grade Summary** | &nbsp;&nbsp;**Credit Grade Summary** | &nbsp;&nbsp;**Credit Grade Summary** |
| &nbsp;&nbsp;**Credit Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;151 | &nbsp;&nbsp;84.83% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;27 | &nbsp;&nbsp;15.17% |
| &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;**178** | &nbsp;&nbsp;**100.00%** |

---

**Final Property Valuation Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Grade Summary** | &nbsp;&nbsp;**Property Grade Summary** | &nbsp;&nbsp;**Property Grade Summary** |
| &nbsp;&nbsp;**Property Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;140 | &nbsp;&nbsp;78.65% |
| &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;38 | &nbsp;&nbsp;21.35% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**178** | &nbsp;&nbsp;**100.00%** |

---

VSTA 2025-CES3 Due Diligence Narrative Report – PagE \| 18

**Final Regulatory Compliance Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Compliance Grade Summary** | &nbsp;&nbsp;**Compliance Grade Summary** | &nbsp;&nbsp;**Compliance Grade Summary** |
| &nbsp;&nbsp;**Compliance Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;166 | &nbsp;&nbsp;93.26% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;12 | &nbsp;&nbsp;6.74% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**178** | &nbsp;&nbsp;**100.00%** |

---

**ADDITIONAL LOAN SUMMARY DETAILS**

**Amortization Type**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;178 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$47362188.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**178** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$47362188.00** |

---

**Occupancy**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;128 | &nbsp;&nbsp;71.91% | &nbsp;&nbsp;$35565640.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.56% | &nbsp;&nbsp;$500000.00 |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;49 | &nbsp;&nbsp;27.53% | &nbsp;&nbsp;$11296548.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**178** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$47362188.00** |

---

**Loan Purpose**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Refinance | &nbsp;&nbsp;177 | &nbsp;&nbsp;99.44% | &nbsp;&nbsp;$47192188.00 |
| &nbsp;&nbsp;Purchase | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.56% | &nbsp;&nbsp;$170000.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**178** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$47362188.00** |

---

**Lien Position**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;2 | &nbsp;&nbsp;178 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$47362188.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**178** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$47362188.00** |

---

VSTA 2025-CES3 Due Diligence Narrative Report – PagE \| 19

**Original Term**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;360 | &nbsp;&nbsp;176 | &nbsp;&nbsp;98.88% | &nbsp;&nbsp;$47187188.00 |
| &nbsp;&nbsp;240 | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.12% | &nbsp;&nbsp;$175000.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**178** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$47362188.00** |

---

**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;**%<br> Variance** |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;97 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Amount of Other Lien | &nbsp;&nbsp;4 | &nbsp;&nbsp;19 | &nbsp;&nbsp;78.95% |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;8 | &nbsp;&nbsp;108 | &nbsp;&nbsp;92.59% |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;108 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Any Outstanding Judgments? | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Any part of down payment borrowed? | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Bankruptcy in past 7 years? | &nbsp;&nbsp;1 | &nbsp;&nbsp;64 | &nbsp;&nbsp;98.44% |
| &nbsp;&nbsp;Borrower 1 Birthdate | &nbsp;&nbsp;0 | &nbsp;&nbsp;108 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Citizen | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Country Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Credit Report Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;57 | &nbsp;&nbsp;98.25% |
| &nbsp;&nbsp;Borrower 1 Do you intend to occupy property as primary residence? | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Email or Internet | &nbsp;&nbsp;0 | &nbsp;&nbsp;108 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Employer 1 Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Employer 1 Years in Line of Work | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Employer 2 Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &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;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Not Hispanic or Latino | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity Visual Observation or Surname | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;171 | &nbsp;&nbsp;99.42% |
| &nbsp;&nbsp;Borrower 1 Foreclosure in past 7 years? | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;0 | &nbsp;&nbsp;57 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Has there been ownership in a property in last 3 yrs | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 How was title held? | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |

---

VSTA 2025-CES3 Due Diligence Narrative Report – PagE \| 20

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;174 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Marital Status | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Middle Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Name of Employer1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Name of Employer 2 | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Originator Citizenship Designation | &nbsp;&nbsp;0 | &nbsp;&nbsp;84 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Other Income | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Phone Number | &nbsp;&nbsp;0 | &nbsp;&nbsp;100 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Qualifying Income | &nbsp;&nbsp;5 | &nbsp;&nbsp;56 | &nbsp;&nbsp;91.07% |
| &nbsp;&nbsp;Borrower 1 Race - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - White | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Rent or Own | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Sex - Female | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Sex - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Sex - Male | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;109 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Telephone Interview | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Total Income | &nbsp;&nbsp;2 | &nbsp;&nbsp;17 | &nbsp;&nbsp;88.24% |
| &nbsp;&nbsp;Borrower 1 Verified Citizenship Designation | &nbsp;&nbsp;0 | &nbsp;&nbsp;17 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Years in Current Home | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Birthdate | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Citizen | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Do you intend to occupy property as primary residence? | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Email or Internet | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Employer 1 Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Employer 1 Years in Line of Work | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Ethnicity - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Ethnicity - Not Hispanic or Latino | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Ethnicity Visual Observation or Surname | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;25 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;25 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Marital Status | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Middle Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Name of Employer1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Originator Citizenship Designation | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Qualifying Income | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Race - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Race - White | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Rent or Own | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |

---

VSTA 2025-CES3 Due Diligence Narrative Report – PagE \| 21

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Borrower 2 Self-Employment Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Sex - Female | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Sex - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Sex - Male | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Telephone Interview | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Years in Current Home | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;3 | &nbsp;&nbsp;95 | &nbsp;&nbsp;96.84% |
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;22 | &nbsp;&nbsp;158 | &nbsp;&nbsp;86.08% |
| &nbsp;&nbsp;FHA Streamline/VA IRRL Indicator | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;163 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;HOA Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;84 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment | &nbsp;&nbsp;0 | &nbsp;&nbsp;158 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Initial Originator Signature Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;108 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;174 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Investor Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;173 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Is the Condo Project warrantable | &nbsp;&nbsp;4 | &nbsp;&nbsp;5 | &nbsp;&nbsp;20.00% |
| &nbsp;&nbsp;Lender Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;108 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;15 | &nbsp;&nbsp;89 | &nbsp;&nbsp;83.15% |
| &nbsp;&nbsp;Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;178 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Origination Company | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Origination Company NMLS | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;5 | &nbsp;&nbsp;60 | &nbsp;&nbsp;91.67% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;178 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;163 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;MIN No | &nbsp;&nbsp;0 | &nbsp;&nbsp;158 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Monthly Hazard Insurance Premium | &nbsp;&nbsp;2 | &nbsp;&nbsp;5 | &nbsp;&nbsp;60.00% |
| &nbsp;&nbsp;Monthly Property Tax Amount | &nbsp;&nbsp;2 | &nbsp;&nbsp;5 | &nbsp;&nbsp;60.00% |
| &nbsp;&nbsp;Months Since Bankruptcy | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Negative Amortization Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;71 | &nbsp;&nbsp;163 | &nbsp;&nbsp;56.44% |
| &nbsp;&nbsp;Note Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Borrowers | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Mortgaged Properties | &nbsp;&nbsp;1 | &nbsp;&nbsp;6 | &nbsp;&nbsp;83.33% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;171 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;1 | &nbsp;&nbsp;173 | &nbsp;&nbsp;99.42% |
| &nbsp;&nbsp;Origination Foreclosure Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;57 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Originator QM Status | &nbsp;&nbsp;6 | &nbsp;&nbsp;57 | &nbsp;&nbsp;89.47% |
| &nbsp;&nbsp;Payment Frequency | &nbsp;&nbsp;0 | &nbsp;&nbsp;57 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;100.00% |

---

VSTA 2025-CES3 Due Diligence Narrative Report – PagE \| 22

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;88 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;4 | &nbsp;&nbsp;162 | &nbsp;&nbsp;97.53% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;0 | &nbsp;&nbsp;174 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;0 | &nbsp;&nbsp;174 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property County | &nbsp;&nbsp;0 | &nbsp;&nbsp;165 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Rights | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;0 | &nbsp;&nbsp;174 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;13 | &nbsp;&nbsp;171 | &nbsp;&nbsp;92.40% |
| &nbsp;&nbsp;Property Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;0 | &nbsp;&nbsp;174 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;QM Qualifying Total Debt Income Ratio | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;4 | &nbsp;&nbsp;109 | &nbsp;&nbsp;96.33% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;1 | &nbsp;&nbsp;149 | &nbsp;&nbsp;99.33% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;6 | &nbsp;&nbsp;166 | &nbsp;&nbsp;96.39% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;35 | &nbsp;&nbsp;159 | &nbsp;&nbsp;77.99% |
| &nbsp;&nbsp;Qualifying Total Housing Expense PITIA | &nbsp;&nbsp;4 | &nbsp;&nbsp;17 | &nbsp;&nbsp;76.47% |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Refinance Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Seller Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;178 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;82 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Total Qualified Assets Available For Reserves | &nbsp;&nbsp;1 | &nbsp;&nbsp;10 | &nbsp;&nbsp;90.00% |
| &nbsp;&nbsp;Total Qualifying Income | &nbsp;&nbsp;6 | &nbsp;&nbsp;57 | &nbsp;&nbsp;89.47% |
| &nbsp;&nbsp;ULI | &nbsp;&nbsp;4 | &nbsp;&nbsp;110 | &nbsp;&nbsp;96.36% |
| &nbsp;&nbsp;Underwriting Guideline Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Underwriting Guideline Product Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;17 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Vested Business Entity Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;23 | &nbsp;&nbsp;100.00% |

---

**CLARIFII THIRD PARTY REPORTS DELIVERED**

Clarifii furnished the following reports on this transaction:

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

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

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

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

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

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

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

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

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

VSTA 2025-CES3 Due Diligence Narrative Report – PagE \| 23

**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.

VSTA 2025-CES3 Due Diligence Narrative Report – PagE \| 24

## Exhibit 99.2

[VISTA POINT ASSETS LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.2 - Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| XXXX | 607187 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 995 | 10.706 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9757.47 | N/A | Employed |  | No |  | No |  |
| XXXX | 623877 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2474 | 8.837 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4256.66 | N/A | Employed |  | No |  | No |  |
| XXXX | 630824 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2594 | 8.342 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4394.76 | N/A | Employed |  | No |  | No |  |
| XXXX | 635237 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 9394 | 9.776 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 38508.34 | N/A | Employed |  | No |  | No |  |
| XXXX | 636622 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 13499 | 8.443 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 36047.54 | N/A | Employed |  | No |  | No |  |
| XXXX | 640139 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1892.75 | 9.763 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4686.5 | N/A | Employed |  | No |  | No |  |
| XXXX | 640140 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 7999 | 10.371 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 38995.99 | N/A | Employed |  | No |  | No |  |
| XXXX | 640887 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 10340 | 10.509 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 18629.42 | N/A | Employed |  | No |  | No |  |
| XXXX | 643019 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 107064.05 | N/A | Employed | Not Employed | No | No | Yes | Present |
| XXXX | 646358 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 2349 | 10.93 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13876.57 | N/A | Employed |  | No |  | No |  |
| XXXX | 648336 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 7374 | 8.971 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 19400.75 | N/A | Employed | Employed | No | No | No |  |
| XXXX | 651120 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 4945 | 12.293 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 40024.46 | Yes | Employed |  | No |  | No |  |
| XXXX | 651874 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 12999 | 9.605 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 20469.16 | N/A | Employed |  | No |  | No |  |
| XXXX | 653830 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 65744.09 | N/A | Employed | Not Employed | No | No | Yes | Present |
| XXXX | 657003 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 45091.06 | N/A | Employed |  | No |  | Yes | Present |
| XXXX | 657004 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 114737.47 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 657005 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | Yes | 27355.31 | N/A | Employed |  | No |  | Yes | Present |
| XXXX | 658052 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 4799 | 9.101 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 40679.57 | N/A | Employed |  | No |  | No |  |
| XXXX | 658053 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 12940.5 | 10.321 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 31187.08 | N/A | Employed |  | No |  | No |  |
| XXXX | 659852 | XXXX | XXXX | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3831 | 9.166 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 5845.32 | Yes | Employed |  | No |  | No |  |
| XXXX | 662541 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 5149 | 9.782 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7237.35 | Yes | Employed |  | No |  | No |  |
| XXXX | 664648 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 146305.5 | Yes | Employed | Employed | No | No | Yes | Present |
| XXXX | 664683 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | Yes | 149447.53 | Yes | Employed | Employed | No | No | Yes | Present |
| XXXX | 665449 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 11195 | 8.921 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 28499.49 | N/A | Employed |  | No |  | No |  |
| XXXX | 665874 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 667284 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 6186.25 | 11.456 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12004.24 | N/A | Employed |  | No |  | No |  |
| XXXX | 667636 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 3804 | 10.781 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 62973.56 | N/A | Employed |  | No |  | No |  |
| XXXX | 667637 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 8996.35 | 10.677 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7754.04 | Yes | Employed |  | No |  | No |  |
| XXXX | 667662 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 3313.29 | 11.555 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 27894.43 | N/A | Employed |  | No |  | No |  |
| XXXX | 667704 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 7705 | 8.316 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 13769.89 | N/A | Employed |  | No |  | No |  |
| XXXX | 668271 | XXXX | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | Yes | Yes | No | No | No | No | No | No | No | No | 2828 | 10.694 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6014.54 | N/A | Employed |  | No |  | No |  |
| XXXX | 669912 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1990 | 8.787 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13601.61 | Yes | Employed |  | No |  | No |  |
| XXXX | 670102 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | 14755.71 | Yes | Employed | Employed | No | No | Yes | Present |
| XXXX | 670103 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2499 | 9.963 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5392.34 | N/A | Employed | Employed | No | No | No |  |
| XXXX | 670104 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 3174 | 8.672 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3896.36 | N/A | Employed |  | No |  | No |  |
| XXXX | 670105 | XXXX | XXXX | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 5286.5 | 10.164 | Yes | Yes | N/A | Yes | N/A | N/A | N/A | N/A | Yes | Yes | 24452.58 | N/A | Employed | Employed | No | No | No |  |
| XXXX | 671705 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 10636.42 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 673244 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 5374 | 10.07 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11326.44 | N/A | Employed |  | No |  | No |  |
| XXXX | 676029 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 8712.18 | 10.196 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9198.55 | N/A | Employed |  | No |  | No |  |
| XXXX | 676059 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 4895 | 11.255 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18138.4 | Yes | Employed |  | No |  | No |  |
| XXXX | 677587 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 995 | 9.098 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 27535.39 | N/A | Employed |  | No |  | No |  |
| XXXX | 677591 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 28489.17 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 677637 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 3668.98 | N/A | Employed |  | No |  | Yes | Present |
| XXXX | 677664 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | 9374.86 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 679138 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 995 | 9.939 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 14052.31 | Yes | Employed | Employed | No | No | No |  |
| XXXX | 679569 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 8151.75 | 10.124 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14165.52 | N/A | Employed |  | No |  | No |  |
| XXXX | 679570 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 8343.75 | 10.242 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10577.42 | N/A | Employed | Employed | No | No | No |  |
| XXXX | 680950 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 7195 | 9.102 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 16227.7 | N/A | Employed | Employed | No | No | No |  |
| XXXX | 681138 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 10749 | 8.836 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 50863.11 | N/A | Employed |  | No |  | No |  |
| XXXX | 682385 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 683334 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 16484.93 | N/A | Employed |  | No |  | Yes | Present |
| XXXX | 684056 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | 10740 | 12.057 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17379.29 | N/A | Employed |  | No |  | No |  |
| XXXX | 684151 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 14520.65 | Yes | Not Employed | Employed | No | No | Yes | Present |
| XXXX | 684482 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 162395.75 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 685079 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 3304.2 | 8.624 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6845.42 | N/A | Employed |  | No |  | No |  |
| XXXX | 689867 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2269.5 | 9.862 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16674.05 | N/A | Employed | Not Employed | No | No | No |  |
| XXXX | 689868 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 4186.5 | 9.453 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12301.95 | N/A | Employed |  | No |  | No |  |
| XXXX | 689996 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2345 | 8.809 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 43924.84 | Yes | Employed |  | No |  | No |  |
| XXXX | 692342 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXX | 692359 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 9070 | 12.19 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 76329.98 | Yes | Employed |  | No |  | No |  |
| XXXX | 692379 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 11690 | 9.842 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17611.47 | Yes | Employed |  | No |  | No |  |
| XXXX | 692770 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 8690 | 9.844 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 28121.04 | Yes | Employed |  | No |  | No |  |
| XXXX | 693664 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 42654.01 | N/A | Employed | Not Employed | No | No | Yes | Present |
| XXXX | 694277 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | 5958.41 | 11.04 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | N/A | Yes | Yes | 4988.33 | N/A | Employed |  | No |  | No |  |
| XXXX | 694329 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 28782.54 | N/A | Employed | Not Employed | No | No | Yes | Present |
| XXXX | 694839 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 8175 | 9.609 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10656.4 | N/A | Employed |  | No |  | No |  |
| XXXX | 695198 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 3990 | 9.414 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7556.8 | Yes | Employed |  | No |  | No |  |
| XXXX | 696424 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 10371.25 | 9.826 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 26073.82 | Yes | Employed | Employed | No | No | No |  |
| XXXX | 697378 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 8095 | 12.812 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 43939.93 | Yes | Employed |  | No |  | No |  |
| XXXX | 697681 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 6541.62 | 10.396 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 12229.5 | Yes | Employed |  | No |  | No |  |
| XXXX | 697717 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 7711.4 | 10.753 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19053.25 | Yes | Employed |  | No |  | No |  |
| XXXX | 697729 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 2945 | 11.476 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11399.55 | Yes | Employed |  | No |  | No |  |
| XXXX | 698141 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2749 | 9.185 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 5167.08 | N/A | Employed |  | No |  | No |  |
| XXXX | 698160 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 7290.2 | N/A | Employed | Employed | No | No | Yes | Present |
| XXXX | 699136 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3995 | 9.244 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 25816.63 | Yes | Employed |  | No |  | No |  |
| XXXX | 699814 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | 4702.5 | 11.082 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4191.29 | N/A | Employed |  | No |  | No |  |
| XXXX | 700314 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 52531.95 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 700317 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 15995 | 9.409 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 43903.19 | N/A | Employed |  | No |  | No |  |
| XXXX | 700365 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3795 | 9.088 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9260.32 | Yes | Employed |  | No |  | No |  |
| XXXX | 700368 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1995 | 8.43 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 60889.36 | Yes | Employed |  | No |  | No |  |
| XXXX | 700704 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 701013 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 2600.1 | 10.863 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6884.71 | N/A | Employed |  | No |  | No |  |
| XXXX | 703579 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 6366.01 | 9.877 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7658.18 | N/A | Employed | Employed | No | No | No |  |
| XXXX | 703603 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | 21627.05 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 704829 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 704985 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 6495 | 10.845 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16014.66 | Yes | Employed |  | No |  | No |  |
| XXXX | 705122 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 6378 | 10.334 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14323.83 | Yes | Employed |  | No |  | No |  |
| XXXX | 705497 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 5359.95 | 9.115 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10203.64 | Yes | Employed |  | No |  | No |  |
| XXXX | 705542 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 14995 | 10.155 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 73641.96 | Yes | Employed |  | No |  | No |  |
| XXXX | 705689 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 9770 | 9.091 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18318.75 | Yes | Employed |  | No |  | No |  |
| XXXX | 705741 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 29432.03 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 705798 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2620 | 10.3 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7657.33 | Yes | Employed | Employed | No | No | No |  |
| XXXX | 707687 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 995 | 10.29 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 15721.12 | Yes | Employed |  | No |  | No |  |
| XXXX | 707928 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 12337.18 | N/A | Employed |  | No |  | Yes | Present |
| XXXX | 707929 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 8102.25 | 10.679 | Yes | Yes | N/A | No | Yes | Yes | N/A | Yes | Yes | Yes | 9754.96 | N/A | Employed |  | No |  | No |  |
| XXXX | 712152 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 2919.14 | 10.314 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 11182.18 | Yes | Employed |  | No |  | No |  |
| XXXX | 712335 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 7295 | 10.244 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11164.71 | Yes | Employed |  | No |  | No |  |
| XXXX | 712618 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 35012.5 | 9.744 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 78058.48 | N/A | Employed |  | No |  | No |  |
| XXXX | 714254 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 714507 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | 4657.55 | 12.638 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7024.68 | N/A | Employed |  | No |  | No |  |
| XXXX | 714925 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | 28035.25 | N/A | Employed |  | No |  | Yes | Present |
| XXXX | 715248 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 28202.72 | N/A | Employed |  | No |  | Yes | Present |
| XXXX | 715324 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 999 | 8.171 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 47009.86 | N/A | Employed |  | No |  | No |  |
| XXXX | 715325 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 5446.5 | 10.17 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 68856.85 | N/A | Employed |  | No |  | No |  |
| XXXX | 715326 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 4186.5 | 9.175 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10860.28 | N/A | Employed |  | No |  | No |  |
| XXXX | 715484 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 17237.5 | 9.406 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 61197.75 | N/A | Employed |  | No |  | No |  |
| XXXX | 715527 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 5395 | 10.646 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20648.45 | N/A | Employed |  | No |  | No |  |
| XXXX | 715575 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 8716 | 12.517 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18404.78 | Yes | Employed |  | No |  | No |  |
| XXXX | 716189 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 12870 | 10.367 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 63052.27 | Yes | Employed |  | No |  | No |  |
| XXXX | 716477 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 4968.43 | 11.532 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 43656.05 | N/A | Employed |  | No |  | No |  |
| XXXX | 720264 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXX | 720301 | XXXX | XXXX | 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 |
| XXXX | 720701 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 5665 | 9.824 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 37732.42 | N/A | Employed |  | No |  | No |  |
| XXXX | 720916 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 6269 | 9.275 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7913.56 | N/A | Employed |  | No |  | No |  |
| XXXX | 721122 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 14057.5 | 10.31 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 25442.37 | Yes | Employed |  | No |  | No |  |
| XXXX | 721624 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 723534 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 8557.5 | 12.387 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 488461.71 | Yes | Employed |  | No |  | No |  |
| XXXX | 724188 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 20323.68 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 724316 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 5119.38 | 9.101 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19072.76 | Yes | Employed |  | No |  | No |  |
| XXXX | 724318 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 5166.68 | 10.81 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 32138.08 | Yes | Employed |  | No |  | No |  |
| XXXX | 725470 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 5495 | 10.515 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13981.95 | Yes | Employed |  | No |  | No |  |
| XXXX | 726014 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 3745 | 11.523 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3036.11 | Yes | Employed |  | No |  | No |  |
| XXXX | 726095 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 5234.63 | 11.222 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 23442.72 | Yes | Employed |  | No |  | No |  |
| XXXX | 728740 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 4075 | 10.039 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 10997.24 | N/A | Employed |  | No |  | No |  |
| XXXX | 728826 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 2904 | 11.34 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8092.1 | Yes | Employed |  | No |  | No |  |
| XXXX | 728827 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 4297.09 | 10.121 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12057.64 | N/A | Employed | Employed | No | No | No |  |
| XXXX | 728937 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 8682.5 | 10.145 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 51465.39 | Yes | Employed |  | No |  | No |  |
| XXXX | 730608 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 1411.82 | 12.669 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8874.43 | Yes | Employed |  | No |  | No |  |
| XXXX | 731111 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 10365 | 9.939 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | N/A | 24139.58 | Yes | Employed |  | No |  | No |  |
| XXXX | 731270 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 9245 | 9.877 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 13186.86 | Yes | Employed |  | No |  | No |  |
| XXXX | 731886 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 8995 | 9.321 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20395.19 | Yes | Employed | Employed | No | No | No |  |
| XXXX | 731964 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 5641.33 | 8.727 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 3932.43 | Yes | Employed |  | No |  | No |  |
| XXXX | 732461 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 5090.38 | 9.102 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9053.89 | Yes | Employed |  | No |  | No |  |
| XXXX | 732462 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 3014 | 8.812 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3096.53 | Yes | Employed |  | No |  | No |  |
| XXXX | 732485 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | 8282.5 | 12.054 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 30544.04 | Yes | Employed |  | No |  | No |  |
| XXXX | 732494 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 6557.5 | 10.519 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7664.7 | N/A | Employed |  | No |  | No |  |
| XXXX | 733046 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 7358.75 | 9.889 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 28886 | Yes | Employed |  | No |  | No |  |
| XXXX | 736024 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 13232.5 | 12.374 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 15134.19 | Yes | Employed |  | No |  | No |  |
| XXXX | 737377 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 4307.35 | 9.775 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4344.6 | Yes | Employed |  | No |  | No |  |
| XXXX | 738097 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 6948.75 | 10.753 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16733.54 | Yes | Employed |  | No |  | No |  |
| XXXX | 739622 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | 10186.5 | 11.179 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10548.41 | Yes | Employed | Employed | No | No | No |  |
| XXXX | 739623 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 9999 | 8.454 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 36740.35 | Yes | Employed |  | No |  | No |  |
| XXXX | 739820 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 4395 | 11.875 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 152715.94 | Yes | Employed |  | No |  | No |  |
| XXXX | 741095 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 3183.32 | 10.802 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17941.11 | Yes | Employed |  | No |  | No |  |
| XXXX | 741398 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 10541.47 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 741957 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 35136.73 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 742028 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 5787.75 | 10.941 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11162.88 | Yes | Employed |  | No |  | No |  |
| XXXX | 742047 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 6021.37 | 11.403 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 25047.93 | N/A | Employed |  | No |  | No |  |
| XXXX | 743875 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1990 | 8.211 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 6869.26 | N/A | Employed |  | No |  | No |  |
| XXXX | 744287 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 744288 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 18205.88 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 745364 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3795 | 9.418 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13873.99 | Yes | Employed |  | No |  | No |  |
| XXXX | 745384 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 4943.75 | 12.358 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 128804.29 | Yes | Employed |  | No |  | No |  |
| XXXX | 745560 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 4090 | 9.385 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 5216.63 | N/A | Employed |  | No |  | No |  |
| XXXX | 745689 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 4045 | 9.143 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2431.66 | N/A | Not Employed | Employed | No | No | No |  |
| XXXX | 745867 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 7857.81 | 8.95 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 25877.4 | Yes | Employed |  | No |  | No |  |
| XXXX | 745883 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 24166 | 9.076 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 39766.05 | Yes | Employed |  | No |  | No |  |
| XXXX | 746862 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 747181 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 749072 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 45566.52 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 749395 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | Yes | Yes | 28174.08 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 750570 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 750887 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 15995 | 9.288 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 24657.73 | Yes | Employed |  | No |  | No |  |
| XXXX | 751134 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 75314.45 | Yes | Not Employed | Employed | No | No | Yes | Present |
| XXXX | 752289 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 5370 | 8.446 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13968.6 | N/A | Employed | Employed | No | No | No |  |
| XXXX | 752544 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 9348.18 | Yes | Employed | Employed | No | No | Yes | Present |
| XXXX | 752545 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 9244.73 | Yes | Employed | Employed | No | No | Yes | Present |
| XXXX | 752657 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 14955 | 9.652 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 16911.29 | Yes | Employed |  | No |  | No |  |
| XXXX | 758253 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 10002.98 | N/A | Employed | Not Employed | No | No | Yes | Present |
| XXXX | 758254 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 81410.03 | N/A | Employed |  | No |  | Yes | Present |
| XXXX | 758368 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2245 | 8.413 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6287.2 | N/A | Employed |  | No |  | No |  |
| XXXX | 758404 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3495 | 8.751 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 14556.97 | Yes | Employed |  | No |  | No |  |
| XXXX | 759178 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 3220 | 8.734 | Yes | Yes | N/A | Yes | N/A | Yes | N/A | Yes | Yes | Yes | 11459.96 | Yes | Employed |  | No |  | No |  |
| XXXX | 759187 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 13139.25 | 8.9 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | N/A | 15674.03 | Yes | Employed |  | No |  | No |  |
| XXXX | 759372 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 5458 | 8.454 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 5596.86 | N/A | Employed | Retired | No | No | No |  |
| XXXX | 761954 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | Yes | 6949.89 | Yes | Employed | Employed | No | No | Yes | Present |
| XXXX | 762466 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 7690 | 8.841 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 22693.55 | Yes | Employed |  | No |  | No |  |
| XXXX | 763312 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 16990 | 9.41 | N/A | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 53539.03 | Yes | Employed | Employed | No | No | No |  |

---

## Exhibit 99.2

[VISTA POINT ASSETS LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.2 - Schedule 2**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXX | 607187 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 607187 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 47.27 | 48.66 | Audit calculated higher debts than lender |
| XXXX | 623877 | XXXX | XXXX | Borrower 1 First Name | notePage | XXXX | XXXX | Per Note in File |
| XXXX | 623877 | XXXX | XXXX | Total Qualifying Income | employmentIncomePage | XXXX | XXXX | Audit calculated less income |
| XXXX | 623877 | XXXX | XXXX | Borrower 1 Qualifying Income | employmentIncomePage | XXXX | XXXX | Audit calculated less income |
| XXXX | 623877 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 45.74 | 43.05 | Audit calculated less income |
| XXXX | 630824 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final Cd |
| XXXX | 630824 | XXXX | XXXX | Borrower 1 Qualifying Income | employmentIncomePage | XXXX | XXXX | Audit used higher expense factor as lender did not document via CPA letter |
| XXXX | 630824 | XXXX | XXXX | Total Qualifying Income | employmentIncomePage | XXXX | XXXX | Audit used higher expense factor as lender did not document via CPA letter |
| XXXX | 630824 | XXXX | XXXX | Originator QM Status | diligenceFinalLookPage | QM: Safe Harbor APOR (APOR SH) | ATR/QM: Exempt | Per Approval |
| XXXX | 630824 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 36.23 | 31.20 | Audit used higher expense factor as lender did not document via CPA letter |
| XXXX | 630824 | XXXX | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | per tape |
| XXXX | 635237 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 14.64 | 19.25 | Audited DTI includes correct PI payment on 1st lien |
| XXXX | 635237 | XXXX | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Per tape, vista point guides were used. |
| XXXX | 636622 | XXXX | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Per tape that was uploaded guides are Vista |
| XXXX | 640139 | XXXX | XXXX | Qualifying LTV | propertyValuationPage | 9.09 | 9.77 | Per AVM |
| XXXX | 640139 | XXXX | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | Per AVM |
| XXXX | 640139 | XXXX | XXXX | Originator QM Status | diligenceFinalLookPage | QM: Safe Harbor APOR (APOR SH) | Non-QM: Lender documented all ATR UW factors | Per Audit |
| XXXX | 640140 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 23.39 | 26.80 | Audit calculated lower PITIA |
| XXXX | 640887 | XXXX | XXXX | Property Type | propertyValuationPage | PUD | Single Family Detached | Per title |
| XXXX | 640887 | XXXX | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | Per Tax Bill. |
| XXXX | 640887 | XXXX | XXXX | Monthly Hazard Insurance Premium | propertyInsurancePage | XXXX | XXXX | Per HOI Policy. |
| XXXX | 646358 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 33.07 | 37.02 | Lender 1008 includes P&I for 1st lien 2 times. |
| XXXX | 657003 | XXXX | XXXX | Property Type | propertyValuationPage | PUD | Single Family Detached | per appraisal |
| XXXX | 657005 | XXXX | XXXX | Qualifying LTV | propertyValuationPage | 23.08 | 22.80 | Audit used AVM value. |
| XXXX | 657005 | XXXX | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | Audit used AVM value. |
| XXXX | 657005 | XXXX | XXXX | Originator QM Status | diligenceFinalLookPage | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Loan 2nd Lien investment |
| XXXX | 658053 | XXXX | XXXX | B1 Credit Report Date | creditLiabilitiesPage | XXXX | XXXX | per credit report |
| XXXX | 659852 | XXXX | XXXX | Loan Amount | notePage | XXXX | XXXX | Per Note |
| XXXX | 659852 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per 1003 in file |
| XXXX | 664648 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per executed note in file. |
| XXXX | 664683 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per executed note in file. |
| XXXX | 665449 | XXXX | XXXX | Loan Amount | notePage | XXXX | XXXX | Per Note |
| XXXX | 665449 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Initial 1003 |
| XXXX | 665449 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 33.06 | 31.08 | XXXX |
| XXXX | 665874 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per executed note in file. |
| XXXX | 665874 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per final CD in file. |
| XXXX | 665874 | XXXX | XXXX | Is the Condo Project warrantable | propertyValuationPage | Yes | No | Per Condo questionnaire and appraisal |
| XXXX | 667284 | XXXX | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | Per tax cert |
| XXXX | 667284 | XXXX | XXXX | Monthly Hazard Insurance Premium | propertyInsurancePage | XXXX | XXXX | Per HOI declarations page |
| XXXX | 667637 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | 667637 | XXXX | XXXX | Total Qualifying Income | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX | 667637 | XXXX | XXXX | Borrower 1 Qualifying Income | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX | 667662 | XXXX | XXXX | Loan Amount | notePage | 103035 | XXXX | Per Note |
| XXXX | 667662 | XXXX | XXXX | Property Type | propertyValuationPage | Townhouse | PUD | Per appraisal |
| XXXX | 667662 | XXXX | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 4417.81 | 5392.53 | Lender double counted escrows on 1st lien |
| XXXX | 667662 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 19.77 | 22.57 | Lender double counted escrows on 1st lien |
| XXXX | 667704 | XXXX | XXXX | Loan Amount | notePage | XXXX | XXXX | Per Note |
| XXXX | 667704 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per 1003 |
| XXXX | 668271 | XXXX | XXXX | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Title |
| XXXX | 669912 | XXXX | XXXX | Loan Amount | notePage | XXXX | XXXX | Per Final Cd |
| XXXX | 669912 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per 1003 |
| XXXX | 669912 | XXXX | XXXX | Amount of Other Lien | titlePage | XXXX | XXXX | True data is first lien |
| XXXX | 670102 | XXXX | XXXX | Total Qualified Assets Available For Reserves | assetPage | 5614.45 | 8387.43 | Per valid un-expired checking accounts |
| XXXX | 670103 | XXXX | XXXX | Borrower 1 Bankruptcy in past 7 years? | the1003Page | No | Yes | BK over 7 years. |
| XXXX | 670104 | XXXX | XXXX | Originator QM Status | diligenceFinalLookPage | QM: Safe Harbor APOR (APOR SH) | ATR/QM: Exempt | Subject is owner occupied |
| XXXX | 670104 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 48.8 | 35.88 | Audit calculated higher total debt |
| XXXX | 671705 | XXXX | XXXX | Loan Amount | notePage | XXXX | XXXX | Per final CD |
| XXXX | 671705 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per initial 1003 |
| XXXX | 676029 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | PER NOTE |
| XXXX | 676029 | XXXX | XXXX | ULI | the1003Page | XXXX | XXXX | per 1003 |
| XXXX | 676059 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | 677587 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 677591 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per executed note in file. |
| XXXX | 677591 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per final CD in file. |
| XXXX | 677591 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 38.33 | 40.46 | Variance due to REO calculation |
| XXXX | 677637 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per executed note in file. |
| XXXX | 677637 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 49.43 | 27.49 | Variance due to first lien payment not being included in DTI |
| XXXX | 677664 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 677664 | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | per Appraisal |
| XXXX | 679570 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | per Final CD |
| XXXX | 680950 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per initial 1003 |
| XXXX | 682385 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.47 | 0.0116 | Subject Property Gross Rental Income/Total Subject Housing Expense. Variance lender 1st lien payment include escrows. Audit used P&I only, |
| XXXX | 684056 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 684151 | XXXX | XXXX | Qualifying FICO | creditLiabilitiesPage | 791 | 756 | Use Primary Wage Earner credit score |
| XXXX | 684151 | XXXX | XXXX | QM Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 36.13 | 39.46 | Income/ total debts |
| XXXX | 684482 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 684482 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per CD |
| XXXX | 684482 | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | per appraisal |
| XXXX | 685079 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 45.02 | 34.85 | Lender used wrong child support payment. |
| XXXX | 689867 | XXXX | XXXX | Originator QM Status | diligenceFinalLookPage | QM: Safe Harbor APOR (APOR SH) | ATR/QM: Exempt | Primary home - Not exempt. |
| XXXX | 689996 | XXXX | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 2 | 1 | Per 1003 |
| XXXX | 692342 | XXXX | XXXX | Note Date | notePage | 07-17-2025 | XXXX | per Note |
| XXXX | 692342 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.027 | 1.023 | Mgmt fee of 20% on gross room rates was not considered in DSCR calcuation |
| XXXX | 692359 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Note |
| XXXX | 692359 | XXXX | XXXX | Qualifying CLTV | propertyValuationPage | 79.99 | 80.00 | Rounding / Audit CLTV matches lender 1008 |
| XXXX | 692359 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 23.2 | 25.88 | Audit DTI lower than lenders due to lender used PITIA payment as PI for 1st mtg, Audit used PI from recent mortgage statement. |
| XXXX | 692379 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Note |
| XXXX | 694329 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Note |
| XXXX | 694329 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | XXXX |
| XXXX | 695198 | XXXX | XXXX | Loan Amount | notePage | XXXX | XXXX | Per Note |
| XXXX | 695198 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Final 1003 |
| XXXX | 696424 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 34.52 | 24.28 | Audit used net income / 24m to arrive at lower income used per P&L provided. |
| XXXX | 697378 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 697681 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 697717 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 697729 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 698160 | XXXX | XXXX | Loan Amount | notePage | XXXX | XXXX | Per note. |
| XXXX | 699136 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 699136 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final Cd |
| XXXX | 700314 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per executed note in file. |
| XXXX | 700314 | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per Appraisal |
| XXXX | 700317 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | 700365 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Note |
| XXXX | 700368 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 700368 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Initial 1003 |
| XXXX | 700704 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | 701013 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | per Final CD |
| XXXX | 703603 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 704829 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 704829 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per final CD |
| XXXX | 704829 | XXXX | XXXX | Is the Condo Project warrantable | propertyValuationPage | Yes | No | 1008 states warrantable; Condo questionnaire confirms warrantability |
| XXXX | 704985 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | 705122 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per executed note in file. |
| XXXX | 705122 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per final CD in file. |
| XXXX | 705542 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | 705689 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | 705689 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 42.07 | 37.45 | DTI matches final 1008 |
| XXXX | 705741 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note. |
| XXXX | 705741 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per final CD |
| XXXX | 705741 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 36.6 | 40.26 | Lender figures wrong on 1008 |
| XXXX | 705798 | XXXX | XXXX | Loan Amount | notePage | XXXX | XXXX | per note |
| XXXX | 705798 | XXXX | XXXX | Borrower 1 Total Income | the1003Page | XXXX | XXXX | per verified income |
| XXXX | 707687 | XXXX | XXXX | Loan Amount | notePage | XXXX | XXXX | Per note |
| XXXX | 707687 | XXXX | XXXX | Amount of Other Lien | titlePage | XXXX | XXXX | Per title |
| XXXX | 707687 | XXXX | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | Audit calc. higher taxes |
| XXXX | 707929 | XXXX | XXXX | Qualifying LTV | propertyValuationPage | 33.55 | 32.92 | per appraised value |
| XXXX | 707929 | XXXX | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | per appraised value |
| XXXX | 707929 | XXXX | XXXX | Borrower 1 Qualifying Income | employmentIncomePage | XXXX | XXXX | Per income documentation. |
| XXXX | 707929 | XXXX | XXXX | Total Qualifying Income | employmentIncomePage | XXXX | XXXX | Per income documentation. |
| XXXX | 707929 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 39.33 | 47.09 | per audited subject pitia payment, lender did not include 1st lien |
| XXXX | 712152 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 20.68 | 32.62 | Lender double hit for Tax and HOI |
| XXXX | 712618 | XXXX | XXXX | Qualifying CLTV | propertyValuationPage | 50.88 | 51.95 | XXXX |
| XXXX | 712618 | XXXX | XXXX | Qualifying LTV | propertyValuationPage | 7.73 | 7.90 | XXXX |
| XXXX | 712618 | XXXX | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | From appraisal report |
| XXXX | 714254 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | 714254 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per cd |
| XXXX | 714254 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.063 | 1.027 | As per Audit, Docs, etc (Lender 1.07, PITIA prev incorrect) |
| XXXX | 714507 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Note |
| XXXX | 714507 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per CD |
| XXXX | 714507 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 49.63 | 38.14 | Lender used lower amount for for first lien monthly payment |
| XXXX | 714925 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | 715248 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | 715248 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per CD |
| XXXX | 715325 | XXXX | XXXX | Total Qualifying Income | employmentIncomePage | XXXX | XXXX | Per audit |
| XXXX | 715325 | XXXX | XXXX | Borrower 1 Qualifying Income | employmentIncomePage | XXXX | XXXX | Per audit |
| XXXX | 715325 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 8.34 | 6.11 | Per audited income. |
| XXXX | 715484 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | 715484 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | per CD |
| XXXX | 715527 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | 715527 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | 715527 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 39.27 | 35.98 | Auditor DTI matches lenders DTI per 1008 . |
| XXXX | 715575 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | 716189 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 716189 | XXXX | XXXX | Is the Condo Project warrantable | propertyValuationPage | Yes | No | Per condo questionnaire |
| XXXX | 716189 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 34.87 | 20.08 | Lender's 1008 did not include P&I from first mortgage in DTI and had incorrect HOA (higher) dues for subject  |
| XXXX | 720264 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 720301 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 720701 | XXXX | XXXX | Loan Amount | notePage | XXXX | XXXX | Per Note |
| XXXX | 720701 | XXXX | XXXX | Borrower 1 Total Income | the1003Page | XXXX | XXXX | Per Final 1003. |
| XXXX | 720701 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 40.05 | 39.43 | Income Variance due to Lender did not provide pension that was used for lender income qualification and rental for schedule E was a loss not a positive. |
| XXXX | 721122 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | 721122 | XXXX | XXXX | Occupancy | the1003Page | Primary Residence | OwnerOccupied | per 1003 |
| XXXX | 721122 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | per cd |
| XXXX | 723534 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | 723534 | XXXX | XXXX | ULI | the1003Page | XXXX | XXXX | per 1003 |
| XXXX | 723534 | XXXX | XXXX | Qualifying CLTV | propertyValuationPage | 71.57 | 71.56 | Audit CLTV matches lenders per 1008 |
| XXXX | 724188 | XXXX | XXXX | Loan Amount | notePage | XXXX | XXXX | Per Note |
| XXXX | 724316 | XXXX | XXXX | Qualifying LTV | propertyValuationPage | 46.97 | 46.98 | Lender used initial loan amount, current loan balance is per the mortgage statement. |
| XXXX | 725470 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 725470 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | 726014 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 726095 | XXXX | XXXX | Loan Amount | notePage | XXXX | XXXX | Per executed note in file. |
| XXXX | 726095 | XXXX | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 3954.28 | 3959.34 | Per 1003 |
| XXXX | 728740 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | 728740 | XXXX | XXXX | ULI | the1003Page | XXXX | XXXX | per 1003 |
| XXXX | 728740 | XXXX | XXXX | Property Type | propertyValuationPage | Townhouse | PUD | per appraisal |
| XXXX | 728740 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 22.39 | 14.01 | Due to total of liabilities and insurance |
| XXXX | 728827 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 728937 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 728937 | XXXX | XXXX | ULI | the1003Page | XXXX | XXXX | Per Final 1003 |
| XXXX | 730608 | XXXX | XXXX | Total Qualifying Income | employmentIncomePage | XXXX | XXXX | Audit calculated lower income. |
| XXXX | 731111 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | 731111 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 32.74 | 36.71 | Lender counted the T&I payment twice |
| XXXX | 731270 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 731270 | XXXX | XXXX | Qualifying CLTV | propertyValuationPage | 73.89 | 36.67 | loan amount + 1st lien / appraisal value |
| XXXX | 731886 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | 732461 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 41.8 | 49.69 | Lender included the taxes and insurance on the subject property twice. |
| XXXX | 732461 | XXXX | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Per Loan approval |
| XXXX | 732485 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 732494 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per NOTE |
| XXXX | 736024 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | 736024 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | per CD |
| XXXX | 739623 | XXXX | XXXX | Property Type | propertyValuationPage | Condominium High Rise | Condominium | Per appraisal |
| XXXX | 739820 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | 741957 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 48.07 | 37.46 | Per lender, removed subject property income |
| XXXX | 742028 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | 742028 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 34.03 | 48.65 | Lender used Full PITI for P&I payment on first lien |
| XXXX | 742047 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 742047 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 34.21 | 39.59 | Lender used incorrect/higher P&I payment for second lien. |
| XXXX | 743875 | XXXX | XXXX | Loan Amount | notePage | XXXX | XXXX | Per Note |
| XXXX | 743875 | XXXX | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 5873.41 | 6088.24 | Lender used incorrect P&I for 1st lien |
| XXXX | 744287 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | 744288 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | 744288 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 39.09 | 16.73 | Lender divided net income by 12 months instead of 24 months |
| XXXX | 745364 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 745384 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | 745689 | XXXX | XXXX | Amount of Other Lien | titlePage | XXXX | XXXX | Per most recent mortgage statement. |
| XXXX | 745867 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | 745883 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | 745883 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 41.23 | 32.41 | XXXX |
| XXXX | 746862 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | 746862 | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | per appraisal |
| XXXX | 747181 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 747181 | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per appraisal |
| XXXX | 749072 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 749072 | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per appraisal |
| XXXX | 749072 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 41.12 | 43.92 | Lender duplicated taxes on primary residence |
| XXXX | 749395 | XXXX | XXXX | Loan Amount | notePage | XXXX | XXXX | Per Note |
| XXXX | 749395 | XXXX | XXXX | Qualifying LTV | propertyValuationPage | 24.55 | 24.54 | Per 1008 |
| XXXX | 749395 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 25.43 | 28.32 | As per Audit, slight diff in REO amnts. |
| XXXX | 750570 | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per 1008 |
| XXXX | 750570 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Final cd |
| XXXX | 750887 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 758253 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per final CD |
| XXXX | 758253 | XXXX | XXXX | Originator QM Status | diligenceFinalLookPage | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | investment |
| XXXX | 758253 | XXXX | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | VPM – Equity Solutions | Non-Agency 5.15.25 | XXXX |
| XXXX | 758254 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 21.38 | 23.90 | Lender counted full amex payment in dti. |
| XXXX | 758368 | XXXX | XXXX | Amount of Other Lien | titlePage | XXXX | XXXX | Per mortgage statement and 1003 |
| XXXX | 758404 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 758404 | XXXX | XXXX | Is the Condo Project warrantable | propertyValuationPage | Yes | No | Per condo questionnaire |
| XXXX | 758404 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 26.48 | 22.50 | Audit calculated lower income |
| XXXX | 763312 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |

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## Exhibit 99.2

[VISTA POINT ASSETS LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.2 - Schedule 3**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| XXXX | 607187 | XXXX D A | Closed | FCRE1193 | 2025-05-14 12:28 | 2025-06-05 15:54 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 47.27% is less than or equal to Guideline DTI of 50%. Proof provided that XXXX was paid off. - Due Diligence Vendor-06/05/2025 <br> Ready for Review-Document Uploaded. Please see attached Final CD for ln# XXXX which supports XXXX was paid off. Also attached are a corrected 1003/1008 showing the DTI at 46.952% - Seller-06/05/2025 <br> Counter-Removed alimony payment and Solar. DTI is now at 53%. XXXX Income, XXXX subjects PITIA, XXXX REO loss and XXXX in consumer Debt. - Due Diligence Vendor-05/19/2025 <br> Ready for Review-Document Uploaded. - Seller-05/15/2025 <br> Ready for Review-Document Uploaded. We agree the debts were incorrectly calculated; however we disagree with the calculated DTI. Please note that the borrower has not been divorced and the XXXX payment was incorrectly added as Alimony instead of the Solar Payment. As shown on the Solar Document Provided, page 24, the highest monthly solar payment reflects XXXX; however, the Solar Agreement is a XXXX XXXX Agreement (PPP) with a Production Guaranty; therefore, the monthly Solar payment does not have to included in the DTI Calc. See attached 1003, with the erroneous Alimony payment removed, which shows the DTI at 46.763% - Seller-05/15/2025 <br> Open-Audited DTI of 56.19% exceeds Guideline DTI of 50% Lender did not accurately calculate debts resulting in excessive DTI. - Due Diligence Vendor-05/14/2025 | Ready for Review-Document Uploaded. Please see attached Final CD for ln# XXXX which supports XXXX was paid off. Also attached are a corrected 1003/1008 showing the DTI at 46.952% - Seller-06/05/2025 <br> Ready for Review-Document Uploaded. - Seller-05/15/2025 <br> Ready for Review-Document Uploaded. We agree the debts were incorrectly calculated; however we disagree with the calculated DTI. Please note that the borrower has not been divorced and the XXXX payment was incorrectly added as Alimony instead of the Solar Payment. As shown on the Solar Document Provided, page 24, the highest monthly solar payment reflects XXXX; however, the Solar Agreement is a Power PurXXXX Agreement (PPP) with a Production Guaranty; therefore, the monthly Solar payment does not have to included in the DTI Calc. See attached 1003, with the erroneous Alimony payment removed, which shows the DTI at 46.763% - Seller-05/15/2025 | Resolved-Audited DTI of 47.27% is less than or equal to Guideline DTI of 50%. Proof provided that XXXX was paid off. - Due Diligence Vendor-06/05/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680 Borrower's FICO 771<br>CLTV is less than guidelines maximum - Max LTV/ CLTV is 90%- Borrower's CLTV 84.38% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4139999 |
| XXXX | 607187 | XXXX D A | Closed | FCRE1503 | 2025-05-15 08:58 | 2025-06-05 15:54 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: The Lender did not document all ATR Factors | Resolved-Received income and mortgage documentation. Updated DTI and ATR/QM status - Due Diligence Vendor-10/03/2025 <br> Ready for Review-Please see attached Final CD for ln# XXXX which supports XXXX was paid off. Also attached are a corrected 1003/1008 showing the DTI at 46.952% - Seller-06/05/2025 <br> Counter-Removed alimony payment and Solar. DTI is now at 53%. XXXX Income, XXXX subjects PITIA, XXXX REO loss and XXXX in consumer Debt. - Due Diligence Vendor-05/19/2025 <br> Ready for Review-We agree the debts were incorrectly calculated; however we disagree with the calculated DTI. Please note that the borrower has not been divorced and the XXXX payment was incorrectly added as Alimony instead of the Solar Payment. As shown on the Solar Document Provided, page 24, the highest monthly solar payment reflects XXXX; however, the Solar Agreement is a Power PurXXXX Agreement (PPP) with a Production Guaranty; therefore, the monthly Solar payment does not have to included in the DTI Calc. See attached 1003, with the erroneous Alimony payment removed, which shows the DTI at 46.763% - Seller-05/15/2025 <br> Open-ATR: The Lender did not document all ATR Factors Lender did not accurately calculate debts resulting in excessive DTI. - Due Diligence Vendor-05/15/2025 | Ready for Review-Please see attached Final CD for ln# XXXX which supports XXXX was paid off. Also attached are a corrected 1003/1008 showing the DTI at 46.952% - Seller-06/05/2025 <br> Ready for Review-We agree the debts were incorrectly calculated; however we disagree with the calculated DTI. Please note that the borrower has not been divorced and the XXXX payment was incorrectly added as Alimony instead of the Solar Payment. As shown on the Solar Document Provided, page 24, the highest monthly solar payment reflects XXXX; however, the Solar Agreement is a Power PurXXXX Agreement (PPP) with a Production Guaranty; therefore, the monthly Solar payment does not have to included in the DTI Calc. See attached 1003, with the erroneous Alimony payment removed, which shows the DTI at 46.763% - Seller-05/15/2025 | Resolved-Received income and mortgage documentation. Updated DTI and ATR/QM status - Due Diligence Vendor-10/03/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680 Borrower's FICO 771<br>CLTV is less than guidelines maximum - Max LTV/ CLTV is 90%- Borrower's CLTV 84.38% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4148729 |
| XXXX | 607187 | XXXX D A | Closed | FCRE1506 | 2025-05-15 08:58 | 2025-06-05 15:54 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received income and mortgage documentation. Updated DTI and ATR/QM status - Due Diligence Vendor-10/03/2025 <br> Ready for Review-Please see attached Final CD for ln# XXXX which supports XXXX was paid off. Also attached are a corrected 1003/1008 showing the DTI at 46.952% - Seller-06/05/2025 <br> Counter-Removed alimony payment and Solar. DTI is now at 53%. XXXX Income, XXXX subjects PITIA, XXXX REO loss and XXXX in consumer Debt. - Due Diligence Vendor-05/19/2025 <br> Ready for Review-We agree the debts were incorrectly calculated; however we disagree with the calculated DTI. Please note that the borrower has not been divorced and the XXXX payment was incorrectly added as Alimony instead of the Solar Payment. As shown on the Solar Document Provided, page 24, the highest monthly solar payment reflects XXXX; however, the Solar Agreement is a Power PurXXXX Agreement (PPP) with a Production Guaranty; therefore, the monthly Solar payment does not have to included in the DTI Calc. See attached 1003, with the erroneous Alimony payment removed, which shows the DTI at 46.763% - Seller-05/15/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Lender did not accurately calculate debts resulting in excessive DTI. - Due Diligence Vendor-05/15/2025 | Ready for Review-Please see attached Final CD for ln# XXXX which supports XXXX was paid off. Also attached are a corrected 1003/1008 showing the DTI at 46.952% - Seller-06/05/2025 <br> Ready for Review-We agree the debts were incorrectly calculated; however we disagree with the calculated DTI. Please note that the borrower has not been divorced and the XXXX payment was incorrectly added as Alimony instead of the Solar Payment. As shown on the Solar Document Provided, page 24, the highest monthly solar payment reflects XXXX; however, the Solar Agreement is a Power PurXXXX Agreement (PPP) with a Production Guaranty; therefore, the monthly Solar payment does not have to included in the DTI Calc. See attached 1003, with the erroneous Alimony payment removed, which shows the DTI at 46.763% - Seller-05/15/2025 | Resolved-Received income and mortgage documentation. Updated DTI and ATR/QM status - Due Diligence Vendor-10/03/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680 Borrower's FICO 771<br>CLTV is less than guidelines maximum - Max LTV/ CLTV is 90%- Borrower's CLTV 84.38% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4148730 |
| XXXX | 607187 | XXXX D A | Closed | FCRE7551 | 2025-05-15 09:09 | 2025-05-19 16:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Divorce Decree | Resolved-Upon further review, divorce decree is not required. - Due Diligence Vendor-05/19/2025 <br> Ready for Review-Document Uploaded. Please note that the borrower has not been divorced and the XXXX payment was incorrectly added as Alimony instead of the Solar Payment. As shown on the Solar Document Provided, page 24, the highest monthly solar payment reflects XXXX - Seller-05/15/2025 <br> Open-Missing to verify the alimony payment shown on the 1003 - Due Diligence Vendor-05/15/2025 | Ready for Review-Document Uploaded. Please note that the borrower has not been divorced and the XXXX payment was incorrectly added as Alimony instead of the Solar Payment. As shown on the Solar Document Provided, page 24, the highest monthly solar payment reflects XXXX - Seller-05/15/2025 | Resolved-Upon further review, divorce decree is not required. - Due Diligence Vendor-05/19/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680 Borrower's FICO 771<br>CLTV is less than guidelines maximum - Max LTV/ CLTV is 90%- Borrower's CLTV 84.38% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4148834 |
| XXXX | 607187 | XXXX D A | Closed | FCRE7009 | 2025-05-14 11:27 | 2025-05-19 15:31 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Upon further review no additional documentation required. - Due Diligence Vendor-10/03/2025 <br> Ready for Review-We respectfully disagree. The HOI of XXXX exceeds the Appraisal Estimated of XXXX. Per Non-QM guidelines, section 10.13 Hazard Insurance: The hazard insurance coverage should be equal to the lesser of: Estimated cost to replace the dwelling from a recent appraisal, if provided. <br> - Seller-05/15/2025 <br> Open-Insufficient Coverage Amount for Insured Subject Property. Does not meet the RCE amount. - Due Diligence Vendor-05/14/2025 | Ready for Review-We respectfully disagree. The HOI of XXXX exceeds the Appraisal Estimated of XXXX. Per Non-QM guidelines, section 10.13 Hazard Insurance: The hazard insurance coverage should be equal to the lesser of: Estimated cost to replace the dwelling from a recent appraisal, if provided. <br> - Seller-05/15/2025 | Resolved-Upon further review no additional documentation required. - Due Diligence Vendor-10/03/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680 Borrower's FICO 771<br>CLTV is less than guidelines maximum - Max LTV/ CLTV is 90%- Borrower's CLTV 84.38% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4139195 |
| XXXX | 607187 | XXXX D A | Closed | FCRE1158 | 2025-05-14 12:52 | 2025-05-19 15:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Received policy with first lien holder name and correct Loss Payee. - Due Diligence Vendor-05/19/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-05/15/2025 <br> Open-Provide proof the Hazard Insurance policy showing the first lien holder and XXXX as second lien holder. - Due Diligence Vendor-05/14/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-05/15/2025<br>| Resolved-Received policy with first lien holder name and correct Loss Payee. - Due Diligence Vendor-05/19/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680 Borrower's FICO 771<br>CLTV is less than guidelines maximum - Max LTV/ CLTV is 90%- Borrower's CLTV 84.38% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4140314 |
| XXXX | 607187 | XXXX D A | Closed | FCRE7497 | 2025-05-15 09:13 | 2025-05-19 15:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received Final CD for 3b. - Due Diligence Vendor-05/19/2025 <br> Ready for Review-Document Uploaded. - Seller-05/15/2025 <br> Ready for Review-Document Uploaded. Please see attached Final CD. - Seller-05/15/2025 <br> Open-Missing proof of the XXXX loan 2nd lien on property XXXX. - Due Diligence Vendor-05/15/2025 | Ready for Review-Document Uploaded. - Seller-05/15/2025 <br>Ready for Review-Document Uploaded. Please see attached Final CD. - Seller-05/15/2025<br>| Resolved-Received Final CD for XXXX. - Due Diligence Vendor-05/19/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680 Borrower's FICO 771<br>CLTV is less than guidelines maximum - Max LTV/ CLTV is 90%- Borrower's CLTV 84.38% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4148882 |
| XXXX | 623877 | XXXX C A | Closed | FCRE6763 | 2025-05-29 13:38 | 2025-06-09 12:18 | Resolved | 1 - Information C A | Credit | Income/Employment | Income documentation does not meet guidelines | Resolved-Received XXXX letter confirming expense factor, restructured business bank statement analysis and 1003. - Due Diligence Vendor-06/09/2025 <br> Ready for Review-This was included in the submission package. - Seller-06/06/2025 <br> Ready for Review-Document Uploaded. - Seller-06/06/2025 <br> Counter-Received CPA letter-license is not noted nor validated. Provide validation of CPA, XXXX or XXXX license for tax provider. - Due Diligence Vendor-06/06/2025 <br> Ready for Review-Document Uploaded. Please see updated 1008, 1003, Income worksheet & CPA letter. - Seller-06/05/2025 <br> Open-CPA letter does not state an expense factor, lender used 15% expense factor. However minimum expense factor is 20% and was used by audit. Using the standard 50% expense factor will result in excessive DTI. - Due Diligence Vendor-05/29/2025 | Ready for Review-This was included in the submission package. - Seller-06/06/2025 <br>Ready for Review-Document Uploaded. - Seller-06/06/2025 <br>Ready for Review-Document Uploaded. Please see updated 1008, 1003, Income worksheet & CPA letter. - Seller-06/05/2025<br>| Resolved-Received XXXX letter confirming expense factor, restructured business bank statement analysis and 1003. - Due Diligence Vendor-06/09/2025 | CLTV is less than guidelines maximum - 64.2% < 90% allowed<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 799 is more than 20 points higher than the guideline min of 660. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4272605 |
| XXXX | 623877 | XXXX C A | Closed | FCRE1503 | 2025-05-29 13:44 | 2025-06-09 12:17 | 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-06/09/2025 <br> Ready for Review-See uploaded XXXX license. This was included in the original submitted package. - Seller-06/06/2025 <br> Counter-Received CPA letter-license is not noted nor validated. Provide validation of CPA, CTEC or EA license for tax provider. - Due Diligence Vendor-06/06/2025 <br> Ready for Review-Please see updated 1008, 1003, Income worksheet & CPA letter. - Seller-06/05/2025 <br> Open-ATR: The Lender did not document all ATR Factors CPA letter does not state an expense factor, lender used 15% expense factor. However minimum expense factor is 20% and was used by audit. Using the standard 50% expense factor will result in excessive DTI. - Due Diligence Vendor-05/29/2025 | Ready for Review-See uploaded XXXX license. This was included in the original submitted package. - Seller-06/06/2025 <br> Ready for Review-Please see updated 1008, 1003, Income worksheet & CPA letter. - Seller-06/05/2025 | Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-06/09/2025<br>| CLTV is less than guidelines maximum - 64.2% < 90% allowed<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 799 is more than 20 points higher than the guideline min of 660. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4272705 |
| XXXX | 623877 | XXXX C A | Closed | FCRE1506 | 2025-05-29 13:44 | 2025-06-09 12:17 | 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-06/09/2025 <br> Ready for Review-See uploaded XXXX license. This was included in the original submission package. - Seller-06/06/2025 <br> Counter-Received CPA letter-license is not noted nor validated. Provide validation of CPA, XXXX or XXXX license for tax provider. - Due Diligence Vendor-06/06/2025 <br> Ready for Review-Please see updated 1008, 1003, Income worksheet & CPA letter. - Seller-06/05/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. CPA letter does not state an expense factor, lender used 15% expense factor. However minimum expense factor is 20% and was used by audit. Using the standard 50% expense factor will result in excessive DTI. - Due Diligence Vendor-05/29/2025 | Ready for Review-See uploaded XXXX license. This was included in the original submission package. - Seller-06/06/2025 <br> Ready for Review-Please see updated 1008, 1003, Income worksheet & CPA letter. - Seller-06/05/2025 | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-06/09/2025<br>| CLTV is less than guidelines maximum - 64.2% < 90% allowed<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 799 is more than 20 points higher than the guideline min of 660. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4272706 |
| XXXX | 630824 | XXXX D B A | Closed | FCRE1325 | 2025-06-03 14:47 | 2025-06-16 13:58 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Waived-Originator exception granted to allow missing expense letter from CPA. Non-material waiver applied to finding with compensating factors. non-material due to long term employment and credit history. - Due Diligence Vendor-06/16/2025 <br> Counter-EA letter does not confirm XXXX and XXXX-nor expense factor-original finding remains. - Due Diligence Vendor-06/05/2025 <br> Ready for Review-Document Uploaded. included in original upload, reuploaded - Seller-06/04/2025 <br> Open-Borrower 1 CPA Letter Missing Missing CPA letter reflecting expense factor used to qualify. Minimum expense factor allowed to use is 20% to qualify. - Due Diligence Vendor-06/03/2025 | Ready for Review-Document Uploaded. included in original upload, reuploaded - Seller-06/04/2025<br>| Waived-Originator exception granted to allow missing expense letter from CPA. Non-material waiver applied to finding with compensating factors. non-material due to long term employment and credit history. - Due Diligence Vendor-06/16/2025<br>| CLTV is less than guidelines maximum - 43.86% CLTV; 75% max allowed<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 796 and minimum allowed is 700<br>Qualifying DTI below maximum allowed - DTI is 36.23% and max allowed is 50% | FICO > 10 pts above maximum <br> Ratios < 43% <br> LTV > 10% below maximum <br> Long Term Homeowner (4 years) <br> Long Term Employment (30 years) <br> Minimal Consumer Debt  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 4317816 |
| XXXX | 630824 | XXXX D B A | Closed | FCOM5135 | 2025-06-02 07:26 | 2025-06-05 07:55 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Received Required Affiliated Business Disclosure, Resolved - Due Diligence Vendor-06/05/2025 <br>Ready for Review-Document Uploaded. uploaded Facts showing no affiliates - Seller-06/04/2025 <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-06/02/2025 | Ready for Review-Document Uploaded. uploaded Facts showing no affiliates - Seller-06/04/2025<br>| Resolved-Received Required Affiliated Business Disclosure, Resolved - Due Diligence Vendor-06/05/2025<br>| CLTV is less than guidelines maximum - 43.86% CLTV; 75% max allowed<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 796 and minimum allowed is 700<br>Qualifying DTI below maximum allowed - DTI is 36.23% and max allowed is 50% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4296163 |
| XXXX | 635237 | XXXX C B A | Closed | FCRE8201 | 2025-06-05 12:01 | 2025-06-11 12:05 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Originator exception granted to allow 1st Lien Note w/Balloon maturity date prior to the subject loans maturity date.. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-06/11/2025 <br> Ready for Review-Document Uploaded. Copy of exception from investor attached - Seller-06/10/2025 <br> Open-Ineligible first lien includes a balloon payment due before the maturity of this transaction, and it was not paid off on the CD. No evidence provided to indicate the balloon has previously been paid off or is no longer due. Based on all documentation in the file, it appears the balloon is still due in XXXX. - Due Diligence Vendor-06/05/2025 | Ready for Review-Document Uploaded. Copy of exception from investor attached - Seller-06/10/2025<br>| Waived-Originator exception granted to allow 1st Lien Note w/Balloon maturity date prior to the subject loans maturity date.. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-06/11/2025<br>| CLTV is less than guidelines maximum - Qualifying CLTV 56.43 is less than the guideline max of 75%.<br>Qualifying DTI below maximum allowed - Qualifying DTI 14.64 is less than the guideline max of 50. | LTV > 10% below maximum<br> Ratios < 43% | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 4347392 |
| XXXX | 635237 | XXXX C B A | Closed | finding-3540 | 2025-06-04 07:53 | 2025-06-10 09:11 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-Received tracking report, finding resolved. - Due Diligence Vendor-06/10/2025 <br> Ready for Review-Document Uploaded. Copy of disclosure tracking screen uploaded to confirm receipt of XXXX CD...this along with e-consent form previously sent should satisfy condition - Seller-06/09/2025 <br> Counter------Received E-consent. Provide evidence of receipt or tracking for CD XXXX.. - Due Diligence Vendor-06/09/2025 <br> Ready for Review-Document Uploaded. Copy of EConsent form attached - Seller-06/06/2025 <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"XXXXl" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a new waiting period. Except as provided in §1026.19(f)(2)(ii), if the disclosures provided under §1026.19(f)(1)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction. ----- Please provide borrower's acknowledgement of CD issued XXXX. - Due Diligence Vendor-06/04/2025 | Ready for Review-Document Uploaded. Copy of disclosure tracking screen uploaded to confirm receipt of XXXX CD...this along with e-consent form previously sent should satisfy condition - Seller-06/09/2025 <br> Ready for Review-Document Uploaded. Copy of EConsent form attached - Seller-06/06/2025 | Resolved-Received tracking report, finding resolved. - Due Diligence Vendor-06/10/2025<br>| CLTV is less than guidelines maximum - Qualifying CLTV 56.43 is less than the guideline max of 75%.<br>Qualifying DTI below maximum allowed - Qualifying DTI 14.64 is less than the guideline max of 50. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4328607 |
| XXXX | 635237 | XXXX C B A | Closed | finding-3634 | 2025-06-04 07:53 | 2025-06-10 09:11 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received tracking report, finding resolved. - Due Diligence Vendor-06/10/2025 <br> Ready for Review-Document Uploaded. Copy of disclosure tracking screen uploaded to confirm receipt of 5/20 CD...this along with e-consent form previously sent should satisfy condition - Seller-06/09/2025 <br> Counter------Received E-consent. Provide evidence of receipt or tracking for CD XXXX.. - Due Diligence Vendor-06/09/2025 <br> Ready for Review-Document Uploaded. Copy of EConsent form attached - Seller-06/06/2025 <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 XXXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- COC in file for increase in Broker Fee & Discount Points. Please provide borrower's acknowledgment of CD issued XXXX. Statute of Limitations - One year; Expiration date: XXXX. Additional findings may apply upon receipt. - Due Diligence Vendor-06/04/2025 | Ready for Review-Document Uploaded. Copy of disclosure tracking screen uploaded to confirm receipt of XXXX CD...this along with e-consent form previously sent should satisfy condition - Seller-06/09/2025 <br> Ready for Review-Document Uploaded. Copy of EConsent form attached - Seller-06/06/2025 | Resolved-Received tracking report, finding resolved. - Due Diligence Vendor-06/10/2025<br>| CLTV is less than guidelines maximum - Qualifying CLTV 56.43 is less than the guideline max of 75%.<br>Qualifying DTI below maximum allowed - Qualifying DTI 14.64 is less than the guideline max of 50. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4328610 |
| XXXX | 636622 | XXXX C B A | Closed | FCOM9175 | 2025-06-05 10:07 | 2025-06-11 08:27 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Closing Disclosure not received by the borrower 3 days prior to consummation | Resolved-Received CD XXXX with evidence of receipt. - Due Diligence Vendor-06/11/2025 <br> Ready for Review-Document Uploaded. Initial CD uploaded - Seller-06/10/2025 <br> Open-Missing initial CD. - Due Diligence Vendor-06/05/2025 | Ready for Review-Document Uploaded. Initial CD uploaded - Seller-06/10/2025<br>| Resolved-Received CD XXXX with evidence of receipt. - Due Diligence Vendor-06/11/2025 | Qualifying DTI below maximum allowed - Qualifying DTI 26.83 is less than the guideline max of 50.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 791 is more than 20 points higher than the guideline min of 720. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4344312 |
| XXXX | 636622 | XXXX C B A | Closed | FCOM5135 | 2025-06-05 09:55 | 2025-06-05 09:55 | 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-06/05/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-06/05/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 26.83 is less than the guideline max of 50.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 791 is more than 20 points higher than the guideline min of 720. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 4344124 |
| XXXX | 640139 | XXXX C B A | Closed | FCRE0970 | 2025-06-10 10:06 | 2025-06-18 14:45 | Waived | 2 - Non-Material C B | Credit | Eligibility | Appraisal has issues (credit) | Waived-Originator exception granted to allow non-approved vendor . Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-06/18/2025 <br> Ready for Review-Document Uploaded. Reuploaded exception approval - Seller-06/17/2025 <br> Counter-Reviewer is unable to open Guideline Exception uploaded XXXX-please reupload in PDF. - Due Diligence Vendor-06/16/2025 <br> Ready for Review-Document Uploaded. Uploaded full email from XXXX to XXXX, confirming exception approval for AVM from vendor not on the approved vendors list. - Seller-06/13/2025 <br> Counter-Please provide a lender approved exception. - Due Diligence Vendor-06/12/2025 <br> Ready for Review-Document Uploaded. Exception approval from XXXX Point email was included in appraisal package pg 17-18. Reuploaded as well. - Seller-06/11/2025 <br> Open-AVM vendor is not listed as an approved vendor in guidelines. - Due Diligence Vendor-06/10/2025 | Ready for Review-Document Uploaded. Reuploaded exception approval - Seller-06/17/2025 <br> Ready for Review-Document Uploaded. Uploaded full email from XXXX Point to XXXX, confirming exception approval for AVM from vendor not on the approved vendors list. - Seller-06/13/2025 <br> Ready for Review-Document Uploaded. Exception approval from XXXX Point email was included in appraisal package pg 17-18. Reuploaded as well. - Seller-06/11/2025 | Waived-Originator exception granted to allow non-approved vendor . Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-06/18/2025<br>| CLTV is less than guidelines maximum - Qualifying CLTV 41.4 is less than the guideline max of 80.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 689 is more than 20 points higher than the guideline min of 660. | LTV> 10% below maximum<br> Long Term Employment (25 years) | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 4393978 |
| XXXX | 640140 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 640887 | XXXX D B C A | Closed | FCRE1506 | 2025-06-12 10:48 | 2025-10-03 08:55 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-06/18/2025 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. - Due Diligence Vendor-06/12/2025 |  | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-06/18/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 660; qualifying FICO is 689.<br>CLTV is less than guidelines maximum - CLTV is less than 50% with max allowable to 65% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4424603 |
| XXXX | 640887 | XXXX D B C A | Closed | FCOM3605 | 2025-06-11 10:58 | 2025-06-20 07:49 | Resolved | 1 - Information C A | Compliance | TRID | TRID: CD not delivered at least 3 days prior to consummation | Resolved-Received CD XXXX, esigned XXXX. - Due Diligence Vendor-06/20/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-06/19/2025 <br> Open-Missing initial CD acknowledged by borrower a minimum of 3 days prior to consummation of XXXX. Additional findings may apply upon receipt. Statute of Limitations 3 years- Expiration date is XXXX. - Due Diligence Vendor-06/11/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-06/19/2025<br>| Resolved-Received CD XXXX, esigned XXXX. - Due Diligence Vendor-06/20/2025 | Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 660; qualifying FICO is 689.<br>CLTV is less than guidelines maximum - CLTV is less than 50% with max allowable to 65% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4410353 |
| XXXX | 640887 | XXXX D B C A | Closed | FCRE1182 | 2025-06-12 04:24 | 2025-06-18 17:55 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received 1008 - Due Diligence Vendor-10/03/2025 <br>Ready for Review-Document Uploaded. See attached - Seller-06/18/2025 <br>Open-Missing Approval/Underwriting Summary 1008 is missing. - Due Diligence Vendor-06/12/2025 | Ready for Review-Document Uploaded. See attached - Seller-06/18/2025<br>| Resolved-Received 1008 - Due Diligence Vendor-10/03/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 660; qualifying FICO is 689.<br>CLTV is less than guidelines maximum - CLTV is less than 50% with max allowable to 65% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4420976 |
| XXXX | 640887 | XXXX D B C A | Closed | FCOM1232 | 2025-06-11 09:38 | 2025-06-18 17:53 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-06/18/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-06/18/2025 <br>Open-The Final 1003 is Missing. - Due Diligence Vendor-06/11/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-06/18/2025<br>| Resolved-The Final 1003 is Present - Due Diligence Vendor-06/18/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 660; qualifying FICO is 689.<br>CLTV is less than guidelines maximum - CLTV is less than 50% with max allowable to 65% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4409184 |
| XXXX | 640887 | XXXX D B C A | Closed | FCOM5135 | 2025-06-11 09:47 | 2025-06-11 09:47 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-06/11/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-06/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 660; qualifying FICO is 689.<br>CLTV is less than guidelines maximum - CLTV is less than 50% with max allowable to 65% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 4409311 |
| XXXX | 643019 | XXXX D A | Closed | FCRE1181 | 2025-06-12 10:57 | 2025-06-25 14:39 | Resolved | 1 - Information C A | Credit | Insurance | Subject loan is in Flood Zone and Notice of Special Flood Hazard Disclosure Not Completed | Resolved-Received SFHD fully executed. - Due Diligence Vendor-06/25/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-06/23/2025 <br> Open-Subject Property is in Flood Zone XXXX but Notice of Special Flood Hazard Disclosure was not provided Missing Signed Notice of Special Flood Hazards - Due Diligence Vendor-06/12/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-06/23/2025<br>| Resolved-Received SFHD fully executed. - Due Diligence Vendor-06/25/2025<br>| Months Reserves exceed minimum required - Months reserves required is 0; qualifying reserves is 66.68 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 660; qualifying FICO is 776. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4424756 |
| XXXX | 643019 | XXXX D A | Closed | FCRE1182 | 2025-06-12 11:28 | 2025-06-25 14:38 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received 1008 - Due Diligence Vendor-06/25/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-06/23/2025 <br>Open-Missing Approval/Underwriting Summary 1008 is missing. - Due Diligence Vendor-06/12/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-06/23/2025<br>| Resolved-Received 1008 - Due Diligence Vendor-06/25/2025<br>| Months Reserves exceed minimum required - Months reserves required is 0; qualifying reserves is 66.68 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 660; qualifying FICO is 776. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4425591 |
| XXXX | 643019 | XXXX D A | Closed | FCRE7497 | 2025-06-13 11:52 | 2025-06-25 14:37 | 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 for new primary purXXXX. - Due Diligence Vendor-06/25/2025 <br>Ready for Review-Document Uploaded. Please see attached note and first payment letter for other property - Seller-06/24/2025 <br>Open-Missing for property 3B (concurrent primary purXXXX), Also need promissory note for new primary. - Due Diligence Vendor-06/13/2025 | Ready for Review-Document Uploaded. Please see attached note and first payment letter for other property - Seller-06/24/2025<br>| Resolved-Received PITIA validation for new primary XXXX. - Due Diligence Vendor-06/25/2025 | Months Reserves exceed minimum required - Months reserves required is 0; qualifying reserves is 66.68 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 660; qualifying FICO is 776. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4441387 |
| XXXX | 643019 | XXXX D A | Closed | FCOM1352 | 2025-06-17 06:59 | 2025-06-17 08:44 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Guidelines only require Occupancy affidavit which has been provided in the file. - Due Diligence Vendor-06/17/2025 <br>Open-The Business Purpose Affidavit Disclosure is Missing Missing Occupancy Affidavit as required per guides. - Due Diligence Vendor-06/17/2025 |  | Resolved-Guidelines only require Occupancy affidavit which has been provided in the file. - Due Diligence Vendor-06/17/2025<br>| Months Reserves exceed minimum required - Months reserves required is 0; qualifying reserves is 66.68 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 660; qualifying FICO is 776. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4468445 |
| XXXX | 646358 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 648336 | XXXX C B A | Closed | finding-47 | 2025-06-16 12:07 | 2025-06-20 07:39 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD XXXX, disbursement date XXXX. - Due Diligence Vendor-06/20/2025 <br> Ready for Review-Document Uploaded. XXXX-FINAL PCCD AND FINAL SS.PDF was uploaded twice sorry uploaded at XXXX together, just uploaded final PCCD alone XXXX thank you :) - Seller-06/19/2025 <br> Counter-Received XXXX PC Settlement statement, please provide PCCD. - Due Diligence Vendor-06/19/2025 <br> Ready for Review-Document Uploaded. hi Final PCCD thank you :) - Seller-06/18/2025 <br> Ready for Review-Document Uploaded. hello please see attached final SS - Seller-06/18/2025 <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-06/16/2025 | Ready for Review-Document Uploaded. XXXX_XXXX-FINAL PCCD AND FINAL SS.PDF was uploaded twice sorry uploaded at 11:32am XXXX together, just uploaded final PCCD alone XXXX thank you :) - Seller-06/19/2025 <br> Ready for Review-Document Uploaded. hi Final PCCD thank you :) - Seller-06/18/2025 <br> Ready for Review-Document Uploaded. hello please see attached final SS - Seller-06/18/2025 | Resolved-Received PCCD XXXX, disbursement date XXXX. - Due Diligence Vendor-06/20/2025 | CLTV is less than guidelines maximum - The calculated CLTV is 73.44%, guideline maximum is 90%.<br>Qualifying FICO score is at least 20 points above minimum for program - Score for grading is 698, guideline minimum is 660. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4458629 |
| XXXX | 648336 | XXXX C B A | Closed | FCOM5135 | 2025-06-16 11:49 | 2025-06-16 11:49 | 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 Findings. - Due Diligence Vendor-06/16/2025 |  | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-06/16/2025<br>| CLTV is less than guidelines maximum - The calculated CLTV is 73.44%, guideline maximum is 90%.<br>Qualifying FICO score is at least 20 points above minimum for program - Score for grading is 698, guideline minimum is 660. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 4458284 |
| XXXX | 651120 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 651874 | XXXX B A | Closed | FCOM5135 | 2025-06-17 16:25 | 2025-06-17 16:25 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-06/17/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-06/17/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score for grading is 709, guideline minimum is 660.<br>CLTV is less than guidelines maximum - The calculated CLTV is 46.71%, guideline maximum is 65%. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 4478441 |
| XXXX | 653830 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 657003 | XXXX C B A | Closed | FCRE0113 | 2025-06-26 14:59 | 2025-07-01 14:33 | Resolved | 1 - Information C A | Credit | Eligibility | Property/Appraisal General (Credit) | Resolved-XXXX Exterior Inspection and CDA in file are both higher up the waterfall and exceeds required property valuation products. - Due Diligence Vendor-07/01/2025 <br> Counter-Documentation received is insufficient-per guidelines 3.1.1 Appraisal Options-AVM and a Property Condition report are required. - Due Diligence Vendor-07/01/2025 <br> Ready for Review-CDA was provide in lieu of an AVM. The value on the appraisal & CDA were both XXXX. Please let us know why a an AVM is being requested. - Seller-06/30/2025 <br> Counter-Received Desk Review, however the guidelines require an AVM and a Property Condition report. - Due Diligence Vendor-06/30/2025 <br> Ready for Review-Document Uploaded. - Seller-06/26/2025 <br> Open-Loan file contained Exterior XXXX Inspection. Per guidelines AVM with a 90% Confidence Factor (XXXX, XXXX, XXXX, XXXX, XXXX, XXXX) and PCI is required. - Due Diligence Vendor-06/26/2025 | Ready for Review-CDA was provide in lieu of an AVM. The value on the appraisal & CDA were both XXXX. Please let us know why a an AVM is being requested. - Seller-06/30/2025 <br> Ready for Review-Document Uploaded. - Seller-06/26/2025 | Resolved-XXXX Exterior Inspection and CDA in file are both higher up the waterfall and exceeds required property valuation products. - Due Diligence Vendor-07/01/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 747 is more than 20 points higher than the guideline min of 720.<br>Qualifying DTI below maximum allowed - Qualifying DTI 27.26 is less than the guideline max of 50. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4576228 |
| XXXX | 657003 | XXXX C B A | Closed | FCRE3599 | 2025-06-24 09:31 | 2025-06-24 09:37 | Waived | 2 - Non-Material C B | Credit | Eligibility | Borrower owns more financed properties than allowed per guidelines | Waived-Originator exception granted to allow 5 loans to same borrower. Non-material waiver applied with comp factors. Deemed non-material due to only one loan over max, total dollar exposure well under $2.5M - Due Diligence Vendor-06/24/2025 <br> Open-5 loans total to same borrower, exceeds 4 max. - Due Diligence Vendor-06/24/2025 |  | Waived-Originator exception granted to allow 5 loans to same borrower. Non-material waiver applied with comp factors. Deemed non-material due to only one loan over max, total dollar exposure well under $2.5M - Due Diligence Vendor-06/24/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 747 is more than 20 points higher than the guideline min of 720.<br>Qualifying DTI below maximum allowed - Qualifying DTI 27.26 is less than the guideline max of 50. | Experienced investor<br> Audit additional comp factor: FICO 747 |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 4539914 |
| XXXX | 657004 | XXXX D B A | Closed | FCRE0113 | 2025-06-26 15:04 | 2025-07-10 09:49 | Resolved | 1 - Information C A | Credit | Eligibility | Property/Appraisal General (Credit) | Resolved-Received AVM, PCI, Desk review. - Due Diligence Vendor-07/10/2025 <br> Ready for Review-Document Uploaded. Desk review has already been provided, reuploaded. Please clear - Seller-07/09/2025 <br> Counter-Post Close AVM and PCI provided. Please provide a Desk Review. - Due Diligence Vendor-07/08/2025 <br> Ready for Review-Document Uploaded. Uploaded PCI & AVM - Seller-07/07/2025 <br> Counter-Per XXXX Point guidelines - VM with a 90% Confidence Factor (XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX) and PCI is required. - Due Diligence Vendor-07/02/2025 <br> Ready for Review-Please advise on status, last comment shows "lender advised to use XXXX Point Mortgage guidelines XXXX" but status shows counter - Seller-07/01/2025 <br> Counter-Lender advised to use XXXX Point Mortgage Guidelines XXXX. - Due Diligence Vendor-07/01/2025 <br> Ready for Review-Document Uploaded. Per our matrix a XXXX and cda/avm is to be used. The loan was locked on XXXX therefore XXXX matrix would supersede guidelines. Uploaded snips - Seller-06/30/2025 <br> Open-Loan file contained Exterior XXXX Inspection. Per guidelines AVM with a 90% Confidence Factor (XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX) and PCI is required. - Due Diligence Vendor-06/26/2025 | Ready for Review-Document Uploaded. Desk review has already been provided, reuploaded. Please clear - Seller-07/09/2025 <br> Ready for Review-Document Uploaded. Uploaded PCI & AVM - Seller-07/07/2025 <br> Ready for Review-Please advise on status, last comment shows "lender advised to use XXXX guidelines XXXX" but status shows counter - Seller-07/01/2025 <br> Ready for Review-Document Uploaded. Per our matrix a XXXX and cda/avm is to be used. The loan was locked on XXXX therefore XXXX matrix would supersede guidelines. Uploaded snips - Seller-06/30/2025 | Resolved-Received AVM, PCI, Desk review. - Due Diligence Vendor-07/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 747 is more than 20 points higher than the guideline min of 720.<br>Qualifying DTI below maximum allowed - Qualifying DTI 12.85 is less than the guideline max of 50. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4576343 |
| XXXX | 657004 | XXXX D B A | Closed | FCRE7497 | 2025-06-24 10:12 | 2025-06-26 10:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received REO documentation. - Due Diligence Vendor-06/26/2025 <br> Ready for Review-Document Uploaded. Per our UW - We have nothing in liabilities referring to a second mortgage with us for XXXX, this loan has not closed nor has there been any activity since XXXX. We cannot provide documentation on a loan that has not closed. Please remove this finding. We have added the second mortgage for XXXX to liabilities and HOA fee. Uploaded XXXX Note, and updated 1003 and 1008 for this property. Also uploaded XXXX printout showing HOA Fee - Seller-06/25/2025 <br> Open-1. Property XXXX was confirmed to have HOA dues and supporting documentation was not uploaded. <br> 2. Properties XXXX and XXXX have 2nd liens with the lender and supporting documentation was not uploaded. - Due Diligence Vendor-06/24/2025 | Ready for Review-Document Uploaded. Per our UW - We have nothing in liabilities referring to a second mortgage with us for XXXX, this loan has not closed nor has there been any activity since XXXX. We cannot provide documentation on a loan that has not closed. Please remove this finding. We have added the second mortgage for XXXX to liabilities and HOA fee. Uploaded XXXX Note, and updated 1003 and 1008 for this property. Also uploaded XXXX printout showing HOA Fee - Seller-06/25/2025 | Resolved-Received REO documentation. - Due Diligence Vendor-06/26/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 747 is more than 20 points higher than the guideline min of 720.<br>Qualifying DTI below maximum allowed - Qualifying DTI 12.85 is less than the guideline max of 50. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4540658 |
| XXXX | 657004 | XXXX D B A | Closed | FCRE3599 | 2025-06-24 11:36 | 2025-06-24 11:42 | Waived | 2 - Non-Material C B | Credit | Eligibility | Borrower owns more financed properties than allowed per guidelines | Waived-Originator exception granted to allow 5 financed properties with same borrower. Non-material waiver applied with comp factors. Deemed non-material due to total exposure only 1 over the max allowed, total dollar exposure less than $2.5M - Due Diligence Vendor-06/24/2025 <br>Open-Lender has 5 total loans with borrower exceeds the 4 allowed. - Due Diligence Vendor-06/24/2025 |  | Waived-Originator exception granted to allow 5 financed properties with same borrower. Non-material waiver applied with comp factors. Deemed non-material due to total exposure only 1 over the max allowed, total dollar exposure less than $2.5M - Due Diligence Vendor-06/24/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 747 is more than 20 points higher than the guideline min of 720.<br>Qualifying DTI below maximum allowed - Qualifying DTI 12.85 is less than the guideline max of 50. | Experienced investor<br> Audit comp factor: Qualifying FICO 747 is more than 20 points higher than the guideline min of 720. |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 4542743 |
| XXXX | 657005 | XXXX C A | Closed | FCRE1510 | 2025-06-20 20:11 | 2025-06-26 10:33 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received DOT w/legal - Due Diligence Vendor-06/26/2025 <br>Ready for Review-Document Uploaded. Copy of DOT uploaded w/legal description - Seller-06/24/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Exhibit A is not attached to Deed or Trust. - Due Diligence Vendor-06/21/2025 | Ready for Review-Document Uploaded. Copy of DOT uploaded w/legal description - Seller-06/24/2025<br>| Resolved-Received DOT w/legal - Due Diligence Vendor-06/26/2025<br>| On time mortgage history exceeds guideline requirement - Borrs 152mos 0x30 mortgage pay history. Per guides, minimum 12mos 0x30 mortgage/rental pay history.<br>Months Reserves exceed minimum required - 42.7mos reserves. Per guides, no reserves required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4519367 |
| XXXX | 658052 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 658053 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 659852 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 662541 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 664648 | XXXX D B A | Closed | FCRE1157 | 2025-07-02 11:38 | 2025-07-07 17:34 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Received HOI for 3b - Due Diligence Vendor-07/07/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-07/02/2025 <br> Open-REO XXXX: Missing HOI statement verifying annual insurance premium. - Due Diligence Vendor-07/02/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-07/02/2025<br>| Resolved-Received HOI for 3b - Due Diligence Vendor-07/07/2025<br>| Credit history exceeds minimum required - 0x30x24 mortgage exceeds minimum required.<br>Verified employment history exceeds guidelines - 28 years self-employed. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4632558 |
| XXXX | 664648 | XXXX D B A | Closed | FCRE1764 | 2025-07-02 11:37 | 2025-07-07 17:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Verification of Mortgage | Resolved-Received 2nd lien CD for XXXX - Due Diligence Vendor-07/07/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-07/02/2025 <br> Open-REO 3B Missing terms for new XXXX 2nd XXXX. - Due Diligence Vendor-07/02/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-07/02/2025<br>| Resolved-Received 2nd lien CD for XXXX - Due Diligence Vendor-07/07/2025 | Credit history exceeds minimum required - 0x30x24 mortgage exceeds minimum required.<br>Verified employment history exceeds guidelines - 28 years self-employed. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4632551 |
| XXXX | 664648 | XXXX D B A | Closed | FCRE1195 | 2025-07-02 11:44 | 2025-07-02 12:42 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Originator exception granted to allow 70% LTV. Non-material waiver applied with comp factors. Deemed non-material due to only 5% over limit. - Due Diligence Vendor-07/02/2025 <br> Open-Audited CLTV of 70% exceeds Guideline CLTV of 65% Lender Exception Granted: Approved for CLTV of 70% with loan amount of XXXX, guides require max CLTV of 65% at XXXX loan amount. - Due Diligence Vendor-07/02/2025 |  | Waived-Originator exception granted to allow 70% LTV. Non-material waiver applied with comp factors. Deemed non-material due to only 5% over limit. - Due Diligence Vendor-07/02/2025<br>| Credit history exceeds minimum required - 0x30x24 mortgage exceeds minimum required.<br>Verified employment history exceeds guidelines - 28 years self-employed. | 1. 28 yrs self-employed.<br> 2. 4+ yrs primary residence.<br> 3. 24+month credit history exceeds minimum required. |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 4632802 |
| XXXX | 664683 | XXXX C B A | Closed | FCRE1510 | 2025-07-01 10:59 | 2025-07-07 17:29 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-07/07/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-07/02/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing attached exhibit A legal description - Due Diligence Vendor-07/01/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-07/02/2025<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-07/07/2025<br>| Verified employment history exceeds guidelines - 17 yrs self employment for both<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 720- Borrowers FICO 767 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4615605 |
| XXXX | 664683 | XXXX C B A | Closed | FCRE1195 | 2025-07-02 11:43 | 2025-07-02 13:01 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Audited CLTV of 75% exceeds Guideline CLTV of 70% <br> Originator exception granted and in file. Waiver applied with comp factors. Exception deemed non-material due to strong compensating factors. - Due Diligence Vendor-07/02/2025 |  | Waived-Audited CLTV of 75% exceeds Guideline CLTV of 70% <br> Originator exception granted and in file. Waiver applied with comp factors. Exception deemed non-material due to strong compensating factors. - Due Diligence Vendor-07/02/2025<br>| Verified employment history exceeds guidelines - 17 yrs self employment for both<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 720- Borrowers FICO 767 | 17 yrs self employment<br> mortgage history 0x30x24<br> low front end ratio |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 4632791 |
| XXXX | 665449 | XXXX D B A | Closed | FCOM5135 | 2025-07-01 14:52 | 2025-07-09 16:16 | Waived | 2 - Non-Material D 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-07/01/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-07/01/2025<br>| Months Reserves exceed minimum required - • 53 months reserves; 0 months reserves required<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 702 guidelines require 660 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 4620718 |
| XXXX | 665449 | XXXX D B A | Closed | FCRE5782 | 2025-07-03 06:26 | 2025-07-08 14:36 | 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-07/08/2025 <br>Ready for Review-Document Uploaded. - Seller-07/03/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Guideline 6.4 pg 18 indicate the following: The gap credit report, soft-pull or final report for the undisclosed debt monitoring is to be dated within 15 days of <br> the Note date. File missing GAP report and Fraud Report did not provide UDM Undisclosed Debt Monitoring. <br>- Due Diligence Vendor-07/03/2025 | Ready for Review-Document Uploaded. - Seller-07/03/2025<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-07/08/2025<br>| Months Reserves exceed minimum required - • 53 months reserves; 0 months reserves required<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 702 guidelines require 660 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4647386 |
| XXXX | 665449 | XXXX D B A | Closed | finding-3625 | 2025-07-01 14:54 | 2025-07-08 08:05 | Resolved | 1 - Information C A | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Resolved-Received PCCD XXXX, section B paid to other. Finding resolved. - Due Diligence Vendor-07/08/2025 <br> Ready for Review-Document Uploaded. - Seller-07/07/2025 <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 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 XXXX date. <br> - Due Diligence Vendor-07/01/2025 | Ready for Review-Document Uploaded. - Seller-07/07/2025<br>| Resolved-Received PCCD XXXX, section B paid to other. Finding resolved. - Due Diligence Vendor-07/08/2025 | Months Reserves exceed minimum required - • 53 months reserves; 0 months reserves required<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 702 guidelines require 660 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4620757 |
| XXXX | 665874 | XXXX C B A | Closed | FCRE9996 | 2025-07-03 16:06 | 2025-08-21 17:31 | Waived | 2 - Non-Material C B | Credit | Eligibility | Condo does not meet requirements | Waived-Originator exception granted to allow non-warrantable condo. Waiver applied with comp factors. deemed non-material as leak was not structural and does not impact subject unit or borrower. - Due Diligence Vendor-08/21/2025 <br>Open-Condo considered non-warrantable due to pending litigation regarding pipe leak causing damage and mold to a unit within the project. - Due Diligence Vendor-08/21/2025 |  | Waived-Originator exception granted to allow non-warrantable condo. Waiver applied with comp factors. deemed non-material as leak was not structural and does not impact subject unit or borrower. - Due Diligence Vendor-08/21/2025<br>| LTV is less than guideline maximum - Max LTV is 70%, borrowers LTV is 59.94%<br>Months Reserves exceed minimum required - 0 minimum reserves required, borrower has 44.11 documented<br>On time mortgage history exceeds guideline requirement - 0x12x47 | mortgage history 0x30x24<br> CLTV 5% lower than max |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 4661475 |
| XXXX | 665874 | XXXX C B A | Closed | FPRO9999 | 2025-07-03 15:54 | 2025-07-09 10:40 | Resolved | 1 - Information C A | Credit | Eligibility | Condo project has pending litigation | Resolved-Per XXXX GL; the project is eligible provided the litigation meets one or more of the following: 1. the HOA or co-op corporation is the plaintiff in the litigation and upon investigation and analysis the lender has reasonably determined the matter is minor and will result in an insignificant impact to the financial stability of the project; Resolved and project is warrantable by XXXX standards. - Due Diligence Vendor-07/09/2025 <br> Ready for Review-Please see results from vetting all litigation documentation located on pages: 453 – 454, ESQ English represents HOA - email comments, States the HOA paid for remediation and Cleared mold testing, non-issues to address currently. <br> And page 454 "You can move forward", from VP management, case lacks quantifiable exposure and the current procedural stay suggests not a material risk to the HOA. Please clear this finding due to documentation provided was addressed and results respectively issued a non-issue finding. Thank you<br> - Seller-07/07/2025 <br> Open-Pg 417 of PDF shows case against the project due to a water leaking pipe causing damage and mold to plaintiff's unit due to condo not fixing the issue in a timely manner. Missing attorney letter or confirmation from the condo insurance that case will be resolved fully with sufficient insurance coverage. - Due Diligence Vendor-07/03/2025 | Ready for Review-Please see results from vetting all litigation documentation located on pages: 453 – 454, ESQ English represents HOA - email comments, States the HOA paid for remediation and Cleared mold testing, non-issues to address currently. <br> And page 454 "You can move forward", from VP management, case lacks quantifiable exposure and the current procedural stay suggests not a material risk to the HOA. Please clear this finding due to documentation provided was addressed and results respectively issued a non-issue finding. Thank you<br> - Seller-07/07/2025<br>| Resolved-Per XXXX GL; the project is eligible provided the litigation meets one or more of the following: 1. the HOA or co-op corporation is the plaintiff in the litigation and upon investigation and analysis the lender has reasonably determined the matter is minor and will result in an insignificant impact to the financial stability of the project; Resolved and project is warrantable by XXXX standards. - Due Diligence Vendor-07/09/2025 | LTV is less than guideline maximum - Max LTV is 70%, borrowers LTV is 59.94%<br>Months Reserves exceed minimum required - 0 minimum reserves required, borrower has 44.11 documented<br>On time mortgage history exceeds guideline requirement - 0x12x47 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4661315 |
| XXXX | 667284 | XXXX D B A | Closed | FCRE1506 | 2025-07-03 14:48 | 2025-07-29 17:24 | 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-07/29/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-07/25/2025 <br> Counter-Received confirmation of no lease-please provide correct 1008 and final 1003 reflecting no rental income - Due Diligence Vendor-07/17/2025 <br> Ready for Review-Document Uploaded. Please see attached. Not using rental income to qualify. - Seller-07/11/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing lease agreement for REO 3b in the amount of XXXX per month. Audit included rental income. Additional conditions may apply. - Due Diligence Vendor-07/03/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-07/25/2025 <br>Ready for Review-Document Uploaded. Please see attached. Not using rental income to qualify. - Seller-07/11/2025<br>| Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-07/29/2025<br>| Qualifying DTI below maximum allowed - Guidelines allow DTI to 35.41%. Qualifying DTI is 50%. <br>On time mortgage history exceeds guideline requirement - 56 months 0x30 mortgage pay history. Per guides, minimum 12 months 0x30 mortgage/rental pay history. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4655943 |
| XXXX | 667284 | XXXX D B A | Closed | FCRE1345 | 2025-07-07 14:50 | 2025-07-29 17:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Lease Agreements Missing | Resolved-Received corrected 1003-no rents considered. - Due Diligence Vendor-07/29/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-07/25/2025 <br> Counter-Received confirmation of no lease-please provide correct 1008 and final 1003 reflecting no rental income - Due Diligence Vendor-07/17/2025 <br> Ready for Review-We are counting the full payment for the REO. - Seller-07/14/2025 <br> Open-Borrower 1 Lease Agreements Missing Missing lease agreement for REO 3b in the amount of XXXX per month. Audit included rental income. Additional conditions may apply. - Due Diligence Vendor-07/07/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-07/25/2025 <br>Ready for Review-We are counting the full payment for the REO. - Seller-07/14/2025<br>| Resolved-Received corrected 1003-no rents considered. - Due Diligence Vendor-07/29/2025<br>| Qualifying DTI below maximum allowed - Guidelines allow DTI to 35.41%. Qualifying DTI is 50%. <br>On time mortgage history exceeds guideline requirement - 56 months 0x30 mortgage pay history. Per guides, minimum 12 months 0x30 mortgage/rental pay history. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4694113 |
| XXXX | 667284 | XXXX D B A | Closed | FCRE6019 | 2025-07-03 09:43 | 2025-07-29 17:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received XXXX passport and corrected 1003 - Due Diligence Vendor-07/29/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-07/25/2025 <br> Counter-Received US Passport-provide corrected final 1003 reflecting US Citizen. - Due Diligence Vendor-07/21/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-07/18/2025 <br> Counter-Received final 1003 reflecting permanent resident alien-provide green card front and back. - Due Diligence Vendor-07/08/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-07/07/2025 <br> Open-Borrower Citizenship Documentation Is Missing - Due Diligence Vendor-07/03/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-07/25/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-07/18/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-07/07/2025<br>| Resolved-Received XXXX passport and corrected 1003 - Due Diligence Vendor-07/29/2025 | Qualifying DTI below maximum allowed - Guidelines allow DTI to 35.41%. Qualifying DTI is 50%. <br>On time mortgage history exceeds guideline requirement - 56 months 0x30 mortgage pay history. Per guides, minimum 12 months 0x30 mortgage/rental pay history. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4649277 |
| XXXX | 667284 | XXXX D B A | Closed | FCRE1182 | 2025-07-03 14:23 | 2025-07-17 15:21 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received 1008. - Due Diligence Vendor-07/08/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-07/07/2025 <br>Open-Missing Approval/Underwriting Summary Missing Lender Approval/Underwriting 1008 Summary - Due Diligence Vendor-07/03/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-07/07/2025<br>| Resolved-Received 1008. - Due Diligence Vendor-07/08/2025<br>| Qualifying DTI below maximum allowed - Guidelines allow DTI to 35.41%. Qualifying DTI is 50%. <br>On time mortgage history exceeds guideline requirement - 56 months 0x30 mortgage pay history. Per guides, minimum 12 months 0x30 mortgage/rental pay history. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4655578 |
| XXXX | 667284 | XXXX D B A | Closed | FCOM5135 | 2025-07-03 09:48 | 2025-07-03 09:48 | 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-07/03/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-07/03/2025<br>| Qualifying DTI below maximum allowed - Guidelines allow DTI to 35.41%. Qualifying DTI is 50%. <br>On time mortgage history exceeds guideline requirement - 56 months 0x30 mortgage pay history. Per guides, minimum 12 months 0x30 mortgage/rental pay history. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 4649371 |
| XXXX | 667636 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 667637 | XXXX C A | Closed | FCRE0110 | 2025-07-03 13:33 | 2025-07-11 12:33 | Resolved | 1 - Information C A | Credit | Eligibility | Missing or incomplete documentation for Solar Panels | Resolved-Received Solar Documentation. - Due Diligence Vendor-07/11/2025 <br> Ready for Review-Document Uploaded. XXXX<br>I have attached the solar agreement. The borrower has a solar PPA. There is no monthly payment ;)<br> - Seller-07/09/2025 <br> Open-Missing lease documentation for Solar Panels - Due Diligence Vendor-07/03/2025 | Ready for Review-Document Uploaded. HI<br>I have attached the solar agreement. The borrower has a solar PPA. There is no monthly payment ;)<br> - Seller-07/09/2025<br>| Resolved-Received Solar Documentation. - Due Diligence Vendor-07/11/2025<br>| On time mortgage history exceeds guideline requirement - 0x30x91 On time mortgage history exceeds guideline requirement of 0x30x12<br>Qualifying DTI below maximum allowed - 35.78% Qualifying DTI below 50% maximum allowed |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4654732 |
| XXXX | 667662 | XXXX D B A | Closed | FCRE5782 | 2025-07-03 12:19 | 2025-07-11 14:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM. - Due Diligence Vendor-07/11/2025 <br>Ready for Review-Document Uploaded. - Seller-07/10/2025 <br>Counter-Documentation received is insufficient--original finding remains. - Due Diligence Vendor-07/09/2025 <br>Ready for Review-Document Uploaded. credit report - Seller-07/08/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-07/03/2025 | Ready for Review-Document Uploaded. - Seller-07/10/2025 <br>Ready for Review-Document Uploaded. credit report - Seller-07/08/2025<br>| Resolved-Received UDM. - Due Diligence Vendor-07/11/2025<br>| Qualifying DTI below maximum allowed - 19.77% DTI; 50% max allowed<br>Months Reserves exceed minimum required - • 2.66 months reserves; 0 months reserves required |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4653303 |
| XXXX | 667662 | XXXX D B A | Closed | FCOM5135 | 2025-07-03 06:47 | 2025-07-03 07:28 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-07/03/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-07/03/2025<br>| Qualifying DTI below maximum allowed - 19.77% DTI; 50% max allowed<br>Months Reserves exceed minimum required - • 2.66 months reserves; 0 months reserves required |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 4647491 |
| XXXX | 667704 | XXXX C B A | Closed | FCRE1148 | 2025-07-08 13:38 | 2025-07-10 13:35 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received final Title policy reflecting sufficient coverage. - Due Diligence Vendor-07/10/2025 <br> Ready for Review-Document Uploaded. - Seller-07/09/2025 <br> Open-Insufficient Title Coverage. Amount of coverage is less than the Loan Amount. Loan Policy is for XXXX. Loan is XXXX - Due Diligence Vendor-07/08/2025 | Ready for Review-Document Uploaded. - Seller-07/09/2025<br>| Resolved-Received final Title policy reflecting sufficient coverage. - Due Diligence Vendor-07/10/2025<br>| Qualifying DTI below maximum allowed - Max DTI is 50%; qualifying DTI is 41.71%.<br>CLTV is less than guidelines maximum - Guidelines allow CLTV to 90%. Subject loan CLTV is 54.67%. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4734875 |
| XXXX | 667704 | XXXX C B A | Closed | FCOM5135 | 2025-07-03 09:50 | 2025-07-03 10:38 | 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-07/03/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-07/03/2025<br>| Qualifying DTI below maximum allowed - Max DTI is 50%; qualifying DTI is 41.71%.<br>CLTV is less than guidelines maximum - Guidelines allow CLTV to 90%. Subject loan CLTV is 54.67%. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 4649401 |
| XXXX | 668271 | XXXX D B A | Closed | FCOM3666 | 2025-07-03 12:55 | 2025-07-29 08:54 | Resolved | 1 - Information C A | Compliance | Closing | Loan Originator NMLS Status is Not Active | Resolved-Received PCCD XXXX with updated originator who was active at time of closing. Finding resolved. - Due Diligence Vendor-07/29/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-07/28/2025 <br> Open-Loan Originator NMLS Status is Not Active Loan Originator NMLS status does not show Active on date of Note (XXXX). - Due Diligence Vendor-07/03/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-07/28/2025<br>| Resolved-Received PCCD XXXX with updated originator who was active at time of closing. Finding resolved. - Due Diligence Vendor-07/29/2025 | Long term residence - Long term residence. 5.67 at current home.<br>LTV is less than guideline maximum - LTV is 7.78% and max allowed is 80% |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4653828 |
| XXXX | 668271 | XXXX D B A | Closed | FCOM1231 | 2025-07-03 14:30 | 2025-07-15 08:32 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Received Initial 1003 final date by originator. Finding resolved. - Due Diligence Vendor-07/15/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-07/14/2025 <br>Open-The Initial 1003 is Missing Initial 1003 is not dated by Originator. Please provide Originator date to clarify true application date. - Due Diligence Vendor-07/03/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-07/14/2025<br>| Resolved-Received Initial 1003 final date by originator. Finding resolved. - Due Diligence Vendor-07/15/2025<br>| Long term residence - Long term residence. 5.67 at current home.<br>LTV is less than guideline maximum - LTV is 7.78% and max allowed is 80% |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4655667 |
| XXXX | 668271 | XXXX D B A | Closed | FCOM5135 | 2025-07-03 14:33 | 2025-07-03 14:34 | 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-07/03/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material findings. - Due Diligence Vendor-07/03/2025<br>| Long term residence - Long term residence. 5.67 at current home.<br>LTV is less than guideline maximum - LTV is 7.78% and max allowed is 80% |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 4655731 |
| XXXX | 669912 | XXXX D A | Closed | FCRE5782 | 2025-07-09 15:35 | 2025-07-11 14:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM. - Due Diligence Vendor-07/11/2025 <br>Ready for Review-Document Uploaded. - Seller-07/10/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Missing the required GAP report, credit report in the file is more than 30 days prior to note date. - Due Diligence Vendor-07/09/2025 | Ready for Review-Document Uploaded. - Seller-07/10/2025<br>| Resolved-Received UDM. - Due Diligence Vendor-07/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 740>680<br>Months Reserves exceed minimum required - 11 months verified> 0 required. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4754869 |
| XXXX | 669912 | XXXX D A | Closed | FCRE7810 | 2025-07-08 09:42 | 2025-07-11 14:51 | Resolved | 1 - Information C A | Credit | Title | Title issue | Resolved-Received Escrow Instructions confirming 2nd lien position. - Due Diligence Vendor-07/11/2025 <br> Ready for Review-Document Uploaded. - Seller-07/11/2025 <br> Open-Title must provide a supplement that confirms the lien position of our new mortgage ahead of the UCC or financing statement filing for XXXX. - Due Diligence Vendor-07/08/2025 | Ready for Review-Document Uploaded. - Seller-07/11/2025<br>| Resolved-Received Escrow Instructions confirming 2nd lien position. - Due Diligence Vendor-07/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 740>680<br>Months Reserves exceed minimum required - 11 months verified> 0 required. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4721198 |
| XXXX | 670102 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 670103 | XXXX C A | Closed | FCRE1503 | 2025-07-09 11:08 | 2025-07-17 11:13 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: The Lender did not document all ATR Factors | Resolved-Received income docs. ATR/QM status updated. - Due Diligence Vendor-10/03/2025 <br> Ready for Review-Document Uploaded. Solar docs attached - Seller-07/16/2025 <br> Counter-Unable to locate a copy of the Solar Lease. - Due Diligence Vendor-07/16/2025 <br> Ready for Review-Please reference pgs 728=748 from my initial upload under credit pkg regarding the XXXX Leased panels attached to subject property. Solar Leased panels will not reflect on credit report, please clear condition - Seller-07/15/2025 <br> Open-ATR: The Lender did not document all ATR Factors XXXX liability shown on 1003 for B1 is not reported to credit and no documentation located in file to support. Audit qualified with the amount stated on the 1003. - Due Diligence Vendor-07/09/2025 | Ready for Review-Document Uploaded. Solar docs attached - Seller-07/16/2025 <br> Ready for Review-Please reference pgs 728=748 from my initial upload under credit pkg regarding the XXXX Solar Leased panels attached to subject property. Solar Leased panels will not reflect on credit report, please clear condition - Seller-07/15/2025 | Resolved-Received income docs. ATR/QM status updated. - Due Diligence Vendor-10/03/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 42.67 is less than the guideline max of 50.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 724 is more than 20 points higher than the guideline min of 660. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4748834 |
| XXXX | 670103 | XXXX C A | Closed | FCRE0200 | 2025-07-09 09:33 | 2025-07-17 11:12 | Resolved | 1 - Information C A | Credit | Debt | Missing proof of liability not disclosed on credit report | Resolved-Received Solar Lease documentation. - Due Diligence Vendor-07/17/2025 <br> Ready for Review-Document Uploaded. Solar docs attached - Seller-07/16/2025 <br> Counter-Unable to locate a copy of the Solar Lease. - Due Diligence Vendor-07/16/2025 <br> Ready for Review-Please reference pgs 728-748 under my credit pkg upload from initial upload regarding XXXX Lease payments attached to the property. Solar Leases will not appear on credit, please clear the condition. - Seller-07/15/2025 <br> Open-Tesla liability shown on 1003 for B1 is not reported to credit and no documentation located in file to support. Audit qualified with the amount stated on the 1003. - Due Diligence Vendor-07/09/2025 | Ready for Review-Document Uploaded. Solar docs attached - Seller-07/16/2025 <br> Ready for Review-Please reference pgs 728-748 under my credit pkg upload from initial upload regarding XXXX Solar Lease payments attached to the property. Solar Leases will not appear on credit, please clear the condition. - Seller-07/15/2025 | Resolved-Received Solar Lease documentation. - Due Diligence Vendor-07/17/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 42.67 is less than the guideline max of 50.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 724 is more than 20 points higher than the guideline min of 660. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4746953 |
| XXXX | 670103 | XXXX C A | Closed | FCRE7748 | 2025-07-08 17:38 | 2025-07-16 10:36 | Resolved | 1 - Information C A | Credit | Eligibility | Valuation Product Does Not Meet Guidelines | Resolved-Upon further review, Guides are XXXX and a secondary valuation is not required. - Due Diligence Vendor-07/16/2025 <br> Ready for Review-Document Uploaded. Attached is the Property Condition Inspection Report (this was included in the initial upload)...please clear condition. - Seller-07/15/2025 <br> Counter-Re-reviewed the AVM, confidence score is confirmed at 97% for the Property Value. Please provide the secondary valuation required for securitization. - Due Diligence Vendor-07/14/2025 <br> Ready for Review-AMV does have a 93% confidence rating, you're referencing the rental value...this is a primary residence, please clear the condition. - Seller-07/11/2025 <br> Open-AVM must have confidence score of 90 or better to be used as primary valuation product, confidence score is 87%. No other valuation products provided. Full appraisal required per guideline. - Due Diligence Vendor-07/09/2025 | Ready for Review-Document Uploaded. Attached is the Property Condition Inspection Report (this was included in the initial upload)...please clear condition. - Seller-07/15/2025 <br>Ready for Review-AMV does have a 93% confidence rating, you're referencing the rental value...this is a primary residence, please clear the condition. - Seller-07/11/2025<br>| Resolved-Upon further review, Gides are XXXX Point and a secondary valuation is not required. - Due Diligence Vendor-07/16/2025 | Qualifying DTI below maximum allowed - Qualifying DTI 42.67 is less than the guideline max of 50.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 724 is more than 20 points higher than the guideline min of 660. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4740600 |
| XXXX | 670103 | XXXX C A | Closed | finding-3652 | 2025-07-07 11:47 | 2025-07-14 13:50 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Rec'd COC for reduction in lender credit. - Finding resolved. - Due Diligence Vendor-07/14/2025 <br> Ready for Review-Document Uploaded. Copy of COC attached - Seller-07/14/2025 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits (XXXX) does not exceed or equal the comparable sum of specific and non-specific lender credits (XXXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Lender credit decreased from XXXX to XXXX without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is XXXX.<br> - Due Diligence Vendor-07/07/2025 | Ready for Review-Document Uploaded. Copy of COC attached - Seller-07/14/2025<br>| Resolved-Rec'd COC for reduction in lender credit. - Finding resolved. - Due Diligence Vendor-07/14/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 42.67 is less than the guideline max of 50.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 724 is more than 20 points higher than the guideline min of 660. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4690023 |
| XXXX | 670104 | XXXX C B A | Closed | FCRE0113 | 2025-07-07 13:02 | 2025-07-07 16:20 | Waived | 2 - Non-Material C B | Credit | Eligibility | Property/Appraisal General (Credit) | Waived-Originator exception granted to allow form 2055 exterior appraisal. Non-material waiver applied with comp factors. Deemed non-material due to 2055 exterior is a more thorough review than the AVM required by guidelines. - Due Diligence Vendor-07/07/2025 <br>Open-2055/exterior only appraisal provided not allowed by XXXX guidelines - Due Diligence Vendor-07/07/2025 |  | Waived-Originator exception granted to allow form XXXX exterior appraisal. Non-material waiver applied with comp factors. Deemed non-material due to XXXX exterior is a more thorough review than the AVM required by guidelines. - Due Diligence Vendor-07/07/2025 | Long term residence - In subject for 10 years<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 763 and minimum allowed is 660. | -DTI < 43% (actual 48%)<br> - > 30 months post close reserves<br> - long term homeowner<br> - long term employment |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 4691543 |
| XXXX | 670105 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 671705 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 673244 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 676029 | XXXX C A | Closed | FCRE1510 | 2025-07-15 07:56 | 2025-07-18 16:37 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received DOT w/Legal. - Due Diligence Vendor-07/18/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-07/16/2025 <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-07/15/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-07/16/2025<br>| Resolved-Received DOT w/Legal. - Due Diligence Vendor-07/18/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO of 815 is higher than the minimum FICO required of 720<br>On time mortgage history exceeds guideline requirement - Credit report reflects on time mortgage history for last 54 months |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4816765 |
| XXXX | 676059 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 677587 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 677591 | XXXX D A | Closed | FCRE9549 | 2025-07-16 10:34 | 2025-07-22 15:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Credit Report Supplement | Resolved-Received Supplemental Report reflect 0x30 - Due Diligence Vendor-07/22/2025 <br> Ready for Review-Document Uploaded. Please see attached Credit Supp showing both XXXX Loans paid as agreed (0X30) with next payment due in XXXX. - Seller-07/18/2025 <br> Open-Credit Supplement missing for both XXXX accounts to reflect current, both statements provided reflect past due - Due Diligence Vendor-07/16/2025 | Ready for Review-Document Uploaded. Please see attached Credit Supp showing both XXXX Loans paid as agreed (0X30) with next payment due in XXXX. - Seller-07/18/2025 | Resolved-Received Supplemental Report reflect 0x30 - Due Diligence Vendor-07/22/2025<br>| LTV is less than guideline maximum - Max LTV is 60%, borrowers LTV is 55%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680, borrowers mid score is 712 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4834253 |
| XXXX | 677637 | XXXX D B A | Closed | FCRE1193 | 2025-07-16 15:03 | 2025-09-04 14:15 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Recalculated REO income, adding 7 months of XXXX schedule. Use lenders higher REO Loss. Audited DTI of 49.43% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-09/04/2025 <br> Ready for Review-Document Uploaded. - Seller-09/02/2025 <br> Ready for Review-Document Uploaded. Please see - corrected subject PITIA to match what is on the Lender URLA which is XXXX/mo total, resulting in a higher net loss. updated the gross rental income in Encompass to be XXXX/mo, which results in net of -$1651.78/mo. The DTI increases from 30.271% to 49.374%, however the program allows up to 50% DTI so it still works. - Seller-09/02/2025 <br> Counter-Income calculation provided. Employment income is the same as the reviewed income. Subject loss per XXXX worksheet is - XXXX (Incorrect PITIA was used). Reviewed Loss is XXXX. - Due Diligence Vendor-08/28/2025 <br> Counter-Review considered income on the 28 month average, Schedule E for subject property--dti 50.48% - Due Diligence Vendor-08/28/2025 <br> Ready for Review-Document Uploaded. After further review, Please see the attached income calc also includes rental income calc, which is standard for Refinance transaction - Seller-08/26/2025 <br> Counter-Please provide 2 months documentation of rents as required by the guidelines. - Due Diligence Vendor-08/08/2025 <br> Ready for Review-each unit has fair market rents to go with \*\*\* We show first Unit 2+2 "XXXX." rented forXXXX per lease which is supported by 1007 monthly market rents @ XXXX. Second Unit 1+1 "XXXX." rented at XXXX per lease and is supported by 1007 Market rents @ XXXX - Seller-08/06/2025 <br> Counter-Lease provided, however the 1007 States the Market rent is XXXX. Guidelines state if existing lease agreements are higher up to 120% of the market rents may be used. Please provide two months documentation of rents. - Due Diligence Vendor-07/30/2025 <br> Ready for Review-Document Uploaded. we note a Total of rents for subject $5,700. \*\*\* We show first Unit 2+2 "XXXX" rented for XXXX per lease which is supported by 1007 monthly market rents @ XXXX. Second Unit 1+1 "XXXX." rented at XXXX per lease and is supported by 1007 Market rents @ XXXX - Seller-07/28/2025 <br> Counter-Documentation received is insufficient: subject PITIA XXXX-XXXX0 rents =XXXX obligation. Original finding remains. - Due Diligence Vendor-07/22/2025 <br> Ready for Review-Disagree – after review of Subject total obligation is XXXX after rents + other liabilities XXXX + Solar installment Debt XXXX+ rents primary XXXX = total debts of XXXX/XXXX = 35.885% DTI ratio - Seller-07/19/2025 <br> Open-Audited DTI of 78.81% exceeds Guideline DTI of 50% Per lenders 1008, UW did not include 1st lien for investment property, which did not include the taxes and insurance, per the mortgage statement on page 196 and note on page 202. - Due Diligence Vendor-07/16/2025 | Ready for Review-Document Uploaded. - Seller-09/02/2025 <br> Ready for Review-Document Uploaded. Please see - corrected subject PITIA to match what is on the Lender URLA which is XXXX/mo total, resulting in a higher net loss. updated the gross rental income in XXXX to be XXXX /mo, which results in net of XXXX/mo. The DTI increases from 30.271% to 49.374%, however the program allows up to 50% DTI so it still works. - Seller-09/02/2025 <br> Ready for Review-Document Uploaded. After further review, Please see the attached income calc also includes rental income calc, which is standard for Refinance transaction - Seller-08/26/2025 <br> Ready for Review-each unit has fair market rents to go with \*\*\* We show first Unit 2+2 "XXXX." rented for XXXX per lease which is supported by 1007 monthly market rents @ XXXX. Second Unit 1+1 "XXXX." rented atXXXX per lease and is supported by 1007 Market rents @ XXXX - Seller-08/06/2025 <br> Ready for Review-Document Uploaded. we note a Total of rents for subject XXXX. \*\*\* We show first Unit 2+2 "XXXX" rented for XXXX per lease which is supported by 1007 monthly market rents @ XXXX. Second Unit 1+1 "XXXX" rented at XXXX per lease and is supported by 1007 Market rents @ XXXX - Seller-07/28/2025 <br> Ready for Review-Disagree – after review of Subject total obligation is XXXX after rents + other liabilities XXXX+ Solar installment Debt XXXX+ rents primary XXXX = total debts of XXXX/XXXX = 35.885% DTI ratio - Seller-07/19/2025 | Resolved-Recalculated REO income, adding 7 months of XXXX schedule. Use lenders higher REO Loss. Audited DTI of 49.43% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-09/04/2025 | On time mortgage history exceeds guideline requirement - 0X30 24+ months mortgage history<br>Credit history exceeds minimum required - 24+ months credit history 0X30 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4841032 |
| XXXX | 677637 | XXXX D B A | Closed | FCRE1150 | 2025-07-16 16:15 | 2025-07-22 15:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Subordination Agreement is Missing | Resolved-Received UCC and title supplement removing solar lien. - Due Diligence Vendor-07/22/2025 <br>Ready for Review-Document Uploaded. Please see attached Title Supplement removing item 10 - Seller-07/19/2025 <br>Open-Exception request required the solar title lien to be subordinated. Could not locate in the loan file. - Due Diligence Vendor-07/16/2025 | Ready for Review-Document Uploaded. Please see attached Title Supplement removing item 10 - Seller-07/19/2025<br>| Resolved-Received UCC and title supplement removing solar lien. - Due Diligence Vendor-07/22/2025<br>| On time mortgage history exceeds guideline requirement - 0X30 24+ months mortgage history<br>Credit history exceeds minimum required - 24+ months credit history 0X30 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4842516 |
| XXXX | 677637 | XXXX D B A | Closed | FCRE0110 | 2025-07-16 15:15 | 2025-07-16 16:09 | Waived | 2 - Non-Material C B | Credit | Eligibility | Missing or incomplete documentation for Solar Panels | Waived-Originator exception granted to allow the solar liens to not be paid off at closing. Non-material waiver applied to finding with compensating factors. non-material as the solar lien was included in the CLTV. - Due Diligence Vendor-07/16/2025 <br>Open-Exception Request: to not pay off the solar lien, and only have the<br> UCC Financing statement terminated. - Due Diligence Vendor-07/16/2025 |  | Waived-Originator exception granted to allow the solar liens to not be paid off at closing. Non-material waiver applied to finding with compensating factors. non-material as the solar lien was included in the CLTV. - Due Diligence Vendor-07/16/2025<br>| On time mortgage history exceeds guideline requirement - 0X30 24+ months mortgage history<br>Credit history exceeds minimum required - 24+ months credit history 0X30 | 0x30 24+ months mortgage history<br> 24+ credit history 0x30<br> low front end ratio <31% |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 4841342 |
| XXXX | 677664 | XXXX D A | Closed | FCRE7497 | 2025-07-16 15:06 | 2025-07-21 16:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received CD for property XXXX - Due Diligence Vendor-07/21/2025 <br> Ready for Review-Document Uploaded. Loan number XXXX as indicated on XXXX is a concurrent closing with subject loan. Please see attached CD - Seller-07/17/2025 <br> Open-Missing proof of the new 2nd with XXXX on property XXXX. - Due Diligence Vendor-07/16/2025 | Ready for Review-Document Uploaded. Loan number XXXX as indicated on XXXX is a concurrent closing with subject loan. Please see attached CD - Seller-07/17/2025 | Resolved-Received CD for property XXXX. - Due Diligence Vendor-07/21/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 720- Borrower's FICO 815 <br>Months Reserves exceed minimum required - Min reserves req'd 0 - borrower has 45.15 mths in reserves |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4841111 |
| XXXX | 679138 | XXXX D A | Closed | FPRO1253 | 2025-07-16 17:12 | 2025-07-21 14:37 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Upon further review, the loan file contained all required valuation documentation. - Due Diligence Vendor-07/21/2025 <br>Ready for Review-Document Uploaded. Not applicable per guidelines in attached - Seller-07/19/2025 <br>Open-Additional valuation product has not been provided. Missing secondary valuation - Due Diligence Vendor-07/17/2025 | Ready for Review-Document Uploaded. Not applicable per guidelines in attached - Seller-07/19/2025<br>| Resolved-Upon further review, the loan file contained all required valuation documentation. - Due Diligence Vendor-07/21/2025<br>| Months Reserves exceed minimum required - Qualifying Total Reserves 24.98 months are higher than 0 months required <br>Qualifying DTI below maximum allowed - Qualifying Total Debt 40.17% is lower than 50% max allowed |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4843539 |
| XXXX | 679138 | XXXX D A | Closed | FCRE5782 | 2025-07-17 09:34 | 2025-07-21 14:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM. - Due Diligence Vendor-07/21/2025 <br>Ready for Review-Document Uploaded. Note date 06.23 and refresh date 06.17 > scroll to bottom and see end of report date for date ran > top date is original order date - Seller-07/18/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-07/17/2025 | Ready for Review-Document Uploaded. Note date XXXX and refresh date 06.17 > scroll to bottom and see end of report date for date ran > top date is original order date - Seller-07/18/2025 | Resolved-Received UDM. - Due Diligence Vendor-07/21/2025<br>| Months Reserves exceed minimum required - Qualifying Total Reserves 24.98 months are higher than 0 months required <br>Qualifying DTI below maximum allowed - Qualifying Total Debt 40.17% is lower than 50% max allowed |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4850077 |
| XXXX | 679138 | XXXX D A | Closed | FCRE5783 | 2025-07-17 09:34 | 2025-07-21 14:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Received UDM. - Due Diligence Vendor-07/21/2025 <br>Ready for Review-Document Uploaded. Note date 06.23 and refresh date 06.17 > scroll to bottom and see end of report date for date ran > top date is original order date - Seller-07/18/2025 <br>Open-Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-07/17/2025 | Ready for Review-Document Uploaded. Note date XXXX and refresh date 06.17 > scroll to bottom and see end of report date for date ran > top date is original order date - Seller-07/18/2025 | Resolved-Received UDM. - Due Diligence Vendor-07/21/2025<br>| Months Reserves exceed minimum required - Qualifying Total Reserves 24.98 months are higher than 0 months required <br>Qualifying DTI below maximum allowed - Qualifying Total Debt 40.17% is lower than 50% max allowed |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4850078 |
| XXXX | 679138 | XXXX D A | Closed | FCRE1160 | 2025-07-16 17:49 | 2025-07-21 14:30 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Expiration Date is before the Note Date | Resolved-Received correct HOI policy - Due Diligence Vendor-07/21/2025 <br> Ready for Review-Document Uploaded. Policy "effective" is year XXXX and policy "expiration" is year XXXX. Please see attached policy provided in package - Seller-07/18/2025 <br> Open-Hazard Insurance Expiration Date of XXXX is prior to or equal to the Note Date of XXXX - Due Diligence Vendor-07/16/2025 | Ready for Review-Document Uploaded. Policy "effective" is year XXXX and policy "expiration" is year XXXX. Please see attached policy provided in package - Seller-07/18/2025 | Resolved-Received correct HOI policy - Due Diligence Vendor-07/21/2025<br>| Months Reserves exceed minimum required - Qualifying Total Reserves 24.98 months are higher than 0 months required <br>Qualifying DTI below maximum allowed - Qualifying Total Debt 40.17% is lower than 50% max allowed |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4844075 |
| XXXX | 679138 | XXXX D A | Closed | FPRO1242 | 2025-07-16 17:12 | 2025-07-21 14:23 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Received appraisal. - Due Diligence Vendor-07/21/2025 <br>Ready for Review-Document Uploaded. - Seller-07/18/2025 <br>Open-Appraisal is Missing - Due Diligence Vendor-07/17/2025 | Ready for Review-Document Uploaded. - Seller-07/18/2025<br>| Resolved-Received appraisal. - Due Diligence Vendor-07/21/2025<br>| Months Reserves exceed minimum required - Qualifying Total Reserves 24.98 months are higher than 0 months required <br>Qualifying DTI below maximum allowed - Qualifying Total Debt 40.17% is lower than 50% max allowed |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4843538 |
| XXXX | 679569 | XXXX D A | Closed | FCRE5782 | 2025-07-15 15:33 | 2025-07-18 12:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Gap credit provided. - Due Diligence Vendor-07/18/2025 <br>Ready for Review-Document Uploaded. UPLOADED GAP CREDIT REPORT - Seller-07/16/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-07/15/2025 | Ready for Review-Document Uploaded. UPLOADED GAP CREDIT REPORT - Seller-07/16/2025<br>| Resolved-Gap credit provided. - Due Diligence Vendor-07/18/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 37.73 is less than the guideline max of 50.<br>CLTV is less than guidelines maximum - Qualifying CLTV 73.96 is less than the guideline max of 75. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4826490 |
| XXXX | 679570 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 680950 | XXXX B A | Closed | FCOM5135 | 2025-07-15 11:43 | 2025-07-15 11:43 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-07/15/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-07/15/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 660; qualifying FICO is 695.<br>Months Reserves exceed minimum required - Months reserves required is 0; qualifying reserves is 6.55 months.<br>CLTV is less than guidelines maximum - Guidelines allow CLTV to 85%. Subject loan CLTV is 58.56%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 4821909 |
| XXXX | 681138 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 682385 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 683334 | XXXX D A | Closed | FCRE3978 | 2025-07-18 14:31 | 2025-07-23 11:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Resolved-Cash out purpose letter provided is sufficient to meet 4.1.2 of guidelines. - Due Diligence Vendor-07/23/2025 <br>Ready for Review-That guideline does not state anything that the LOE needs to be specific to business purposes, nor does the guidelines in general for this program state ineligible use of funds. The guideline just states we need an LOE, which has been provided. Please escalate to mgmt to have condition waived. - Seller-07/22/2025 <br>Counter-Loan was approved as a business purpose loan. 4.1.2 of the guidelines require A letter of explanation regarding the use of loan funds must be provided for cash-out refinance transactions. If not for business loan is subject to a Compliance Review. - Due Diligence Vendor-07/22/2025 <br>Ready for Review-This is not a Noni product which requires the cashout LOE to be specific to business purpose. The 2nd loan program does not require LOE to be specific, please waive condition - Seller-07/21/2025 <br>Open--Provide updated Cash-Out Letter of Explanation: LOE Provided is Vague. Borrower to verify if "Debt Consolidation" and "Repairs" are for Personal or Business Purposes. - Due Diligence Vendor-07/18/2025 | Ready for Review-That guideline does not state anything that the LOE needs to be specific to business purposes, nor does the guidelines in general for this program state ineligible use of funds. The guideline just states we need an LOE, which has been provided. Please escalate to mgmt to have condition waived. - Seller-07/22/2025 <br>Ready for Review-This is not a Noni product which requires the cashout LOE to be specific to business purpose. The 2nd loan program does not require LOE to be specific, please waive condition - Seller-07/21/2025<br>| Resolved-Cash out purpose letter provided is sufficient to meet 4.1.2 of guidelines. - Due Diligence Vendor-07/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 752 is more than 20 points higher than the guideline min of 680.<br>Qualifying DTI below maximum allowed - Qualifying DTI 36.23 is less than the guideline max of 50. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4872636 |
| XXXX | 684056 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 684151 | XXXX D A | Closed | FCRE1182 | 2025-07-20 12:42 | 2025-07-25 15:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received 1008 - Due Diligence Vendor-07/25/2025 <br>Ready for Review-Document Uploaded. please see attached - Seller-07/24/2025 <br>Open-Missing Approval/Underwriting Summary - Due Diligence Vendor-07/20/2025 | Ready for Review-Document Uploaded. please see attached - Seller-07/24/2025<br>| Resolved-Received 1008 - Due Diligence Vendor-07/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO = 794 Min FICO = 700<br>On time mortgage history exceeds guideline requirement - On Time Mortgage History = 53 Months Required = 12 months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4880885 |
| XXXX | 684482 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 685079 | XXXX C A | Closed | FCRE1437 | 2025-07-18 14:59 | 2025-08-06 16:05 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Updated income calc provided utilizing only personal bank statements, Expense factor not required. - Due Diligence Vendor-08/06/2025 <br> Counter-Using the the Personal Statement excluding the transfers from XXXX the income is XXXX which will result in a DTI of 59% - Due Diligence Vendor-07/28/2025 <br> Ready for Review-Document Uploaded. We have removed the business bank statement income and are only using personal statement income. The guidelines state we can only use personal statements with no expense factor. The paystubs and w2 are included to support those deposits and to show its part of his business income. Borrower still qualifies. Please see uploaded revised documents. - Seller-07/24/2025 <br> Open-Income and Employment Do Not Meet Guidelines Guides do not appear to allow the use of both personal and business bank statements. <br> Guides require CPA letter or PnL to support an expense factor less than 50%. - Due Diligence Vendor-07/18/2025 | Ready for Review-Document Uploaded. We have removed the business bank statement income and are only using personal statement income. The guidelines state we can only use personal statements with no expense factor. The paystubs and w2 are included to support those deposits and to show its part of his business income. Borrower still qualifies. Please see uploaded revised documents. - Seller-07/24/2025<br>| Resolved-Updated income calc provided utilizing only personal bank statements, Expense factor not required. - Due Diligence Vendor-08/06/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 800 is more than 20 points higher than the guideline min of 660.<br>Qualifying DTI below maximum allowed - Qualifying DTI 37.96 is less than the guideline max of 50. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4873137 |
| XXXX | 689867 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 689868 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 689996 | XXXX C B A | Closed | FPRO1249 | 2025-07-23 12:25 | 2025-08-14 10:18 | Waived | 2 - Non-Material C B | Credit | Eligibility | Neighborhood Location Not Allowed for Program | Waived--Client exception granted with compensating factors to allow for Rural property. Waiver applied to non-material finding. - Due Diligence Vendor-08/13/2025 <br>Open-Rural property for 2nd home is ineligible per guidelines - Due Diligence Vendor-08/12/2025 |  | Waived--Client exception granted with compensating factors to allow for Rural property. Waiver applied to non-material finding. - Due Diligence Vendor-08/13/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 726 vs. min FICO 680<br>Months Reserves exceed minimum required - > 57 months available vs. 0 required |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Refinance | Cash Out - Other | Investor Post-Close | No | 4920643 |
| XXXX | 692342 | XXXX C A | Closed | FCRE1232 | 2025-07-25 10:35 | 2025-07-25 12:21 | Resolved | 1 - Information C A | Credit | Eligibility | Calculated DSCR does not meet the Minimum DSCR allowed | Resolved-Upon further review, XXXX does not require the 20% hit on STR - Due Diligence Vendor-07/25/2025 <br> Open-The Calculated DSCR of '0.822' is less than the minimum DSCR per lender guidelines of '1'. Management fee of 20% on gross room rate was not considered in lenders DSCR calculation-cash out requires minimum of 1 - Due Diligence Vendor-07/25/2025 |  | Resolved-Upon further review, XXXX does not require the 20% hit on STR - Due Diligence Vendor-07/25/2025<br>| LTV is less than guideline maximum - 70% less than the 80% allowed<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680, borrowers mid score is 735 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4946569 |
| XXXX | 692359 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 692379 | XXXX D A | Closed | FCRE9549 | 2025-07-25 13:44 | 2025-07-31 12:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Credit Report Supplement | Resolved-UPB of XXXX was pulled from the Credit Report used for qualifying - Due Diligence Vendor-07/31/2025 <br> Ready for Review-Please note that the UPB of XXXX was pulled from the Credit Report used for qualifying. We further note that the difference referenced is not material, as the loan would still qualify, and the Data Tape discrepancy does not pose a salability issue and can be addressed with the Final investor if necessary. We ask that this condition please be cleared. - Seller-07/30/2025 <br> Counter-Using the lower documented UPB will result in a tape data discrepancy. Please confirm if the lower UPB should be used. - Due Diligence Vendor-07/30/2025 <br> Ready for Review-The mortgage statement previously uploaded for the next payment due date of XXXX reflects a lower balance of XXXX which in turn reduces the CLTV. Please clear the finding as it is immaterial. - Seller-07/29/2025 <br> Counter-Please provide documentation to support the UPB of XXXX used for the lenders CLTV calculation. - Due Diligence Vendor-07/29/2025 <br> Ready for Review-Document Uploaded. Please see attached XXXX mortgage statement for the subject 1st lien. - Seller-07/25/2025 <br> Open-Missing credit supplement (or other acceptable documentation) to show the current balance on the 1st lien is XXXX (for CLTV purposes) - Due Diligence Vendor-07/25/2025 | Ready for Review-Please note that the UPB of XXXX was pulled from the Credit Report used for qualifying. We further note that the difference referenced is not material, as the loan would still qualify, and the Data Tape discrepancy does not pose a salability issue and can be addressed with the Final investor if necessary. We ask that this condition please be cleared. - Seller-07/30/2025 <br> Ready for Review-The mortgage statement previously uploaded for the next payment due date of XXXX reflects a lower balance of XXXX which in turn reduces the CLTV. Please clear the finding as it is immaterial. - Seller-07/29/2025 <br> Ready for Review-Document Uploaded. Please see attached XXXX mortgage statement for the subject 1st lien. - Seller-07/25/2025 | Resolved-UPB of XXXX was pulled from the Credit Report used for qualifying - Due Diligence Vendor-07/31/2025 | Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 38.59%.<br>Months Reserves exceed minimum required - 13.06 mos reserves; 0 mos required<br>CLTV is less than guidelines maximum - Lender max CLTV 80%, subject CLTV 69.87% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4950783 |
| XXXX | 692770 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 693664 | XXXX D A | Closed | FCRE7497 | 2025-07-24 14:28 | 2025-08-01 11:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received 2nd lien documentation for 1108 - Due Diligence Vendor-08/01/2025 <br> Ready for Review-Document Uploaded. Uploaded 2nd Lien for XXXX with amended 1008 & 1003 - Seller-07/31/2025 <br> Counter-Please provide the second lien account XXXX. - Due Diligence Vendor-07/28/2025 <br> Ready for Review-Document Uploaded. Information for property at XXXX was all included with credit file. Attached here as well for your review.. - Seller-07/25/2025 <br> Open-Missing P&I information along with any applicable payment history for newly opened 2nd lien on property XXXX. - Due Diligence Vendor-07/24/2025 | Ready for Review-Document Uploaded. Uploaded 2nd Lien for XXXX with amended 1008 & 1003 - Seller-07/31/2025 <br> Ready for Review-Document Uploaded. Information for property at XXXX was all included with credit file. Attached here as well for your review.. - Seller-07/25/2025 | Resolved-Received 2nd lien documentation for 1108 - Due Diligence Vendor-08/01/2025<br>| 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>Qualifying DTI below maximum allowed - Qualifying DTI 43.3 is less than the guideline max of 50. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4937534 |
| XXXX | 693664 | XXXX D A | Closed | FCRE0113 | 2025-07-24 14:25 | 2025-07-28 12:32 | Resolved | 1 - Information C A | Credit | Eligibility | Property/Appraisal General (Credit) | Resolved-Upon further review, the valuations provided are sufficient. XXXX and desk review provided in lieu of an AVM and PCI. - Due Diligence Vendor-07/28/2025 <br> Ready for Review-Per Matrix for the2nd (investment property) we only need "New XXXX Appraisal and Appraisal Desk Review supporting value within 10% variance". Both were provided. Please review and advise - Seller-07/25/2025 <br> Open-Loan file contained Exterior XXXX Inspection and desk review. Per guidelines AVM with a 90% Confidence Factor (XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX) and PCI is required. - Due Diligence Vendor-07/24/2025 | Ready for Review-Per Matrix for the2nd (investment property) we only need "New XXXX Appraisal and Appraisal Desk Review supporting value within 10% variance". Both were provided. Please review and advise - Seller-07/25/2025 | Resolved-Upon further review, the valuations provided are sufficient. XXXX and desk review provided in lieu of an AVM and PCI. - Due Diligence Vendor-07/28/2025 | 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>Qualifying DTI below maximum allowed - Qualifying DTI 43.3 is less than the guideline max of 50. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4937489 |
| XXXX | 694277 | XXXX D A | Closed | FCRE1158 | 2025-07-24 10:58 | 2025-08-04 13:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-1st lien mortgage statement provided confirming the taxes and insurance are escrowing in the list lien payment. - Due Diligence Vendor-08/04/2025 <br>Counter-Review validates HOI-please provide evidence with premium. - Due Diligence Vendor-07/31/2025 <br>Ready for Review-this should not be required - insurance is from the 1st lien; we are not including these expenses for the subject loan - Seller-07/29/2025 <br>Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided The hazard insurance declaration page is missing the annual premium. - Due Diligence Vendor-07/24/2025 | Ready for Review-this should not be required - insurance is from the 1st lien; we are not including these expenses for the subject loan - Seller-07/29/2025<br>| Resolved-1st lien mortgage statement provided confirming the taxes and insurance are escrowing in the list lien payment. - Due Diligence Vendor-08/04/2025<br>| CLTV is less than guidelines maximum - 70% CLTV; max 80% CLTV required<br>Qualifying DTI below maximum allowed - 46.60% DTI; max 50% DTI required |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4932857 |
| XXXX | 694329 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 694839 | XXXX D A | Closed | FCRE3653 | 2025-08-12 15:14 | 2025-09-02 07:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-Received purpose of cash out letter. - Due Diligence Vendor-08/29/2025 <br>Ready for Review-Document Uploaded. - Seller-08/26/2025 <br>Open-LOE regarding the use of loan funds must be provided for cash-out refinance transactions. - Due Diligence Vendor-08/12/2025 | Ready for Review-Document Uploaded. - Seller-08/26/2025<br>| Resolved-Received purpose of cash out letter. - Due Diligence Vendor-08/29/2025<br>| CLTV is less than guidelines maximum - maximum CLTV is 85% - loan has a 69.71% CLTV<br>Qualifying FICO score is at least 20 points above minimum for program - 660 minimum FICO - borrower has 729 FICO |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5151146 |
| XXXX | 694839 | XXXX D A | Closed | finding-47 | 2025-08-04 18:49 | 2025-08-28 09:47 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD XXXX, disbursement date XXXX. Finding resolved. - Due Diligence Vendor-08/28/2025 <br> Ready for Review-Document Uploaded. Hello Team, please see attached the Post Consummation CD showing the correct funding date. Thank you - Seller-08/26/2025 <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. - Due Diligence Vendor-08/04/2025 | Ready for Review-Document Uploaded. Hello Team, please see attached the Post Consummation CD showing the correct funding date. Thank you - Seller-08/26/2025<br>| Resolved-Received PCCD XXXX, disbursement date XXXX. Finding resolved. - Due Diligence Vendor-08/28/2025 | CLTV is less than guidelines maximum - maximum CLTV is 85% - loan has a 69.71% CLTV<br>Qualifying FICO score is at least 20 points above minimum for program - 660 minimum FICO - borrower has 729 FICO |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5051209 |
| XXXX | 694839 | XXXX D A | Closed | FCOM5135 | 2025-08-04 18:14 | 2025-08-28 09:39 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Received Required Affiliated Business Disclosure, Resolved - Due Diligence Vendor-08/28/2025 <br> Ready for Review-Document Uploaded. - Seller-08/26/2025 <br> Open-Required Affiliated Business Disclosure Missing Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt. [Fees in section C paid to provider from Creditors List, XXXX.]<br> - Due Diligence Vendor-08/04/2025 | Ready for Review-Document Uploaded. - Seller-08/26/2025<br>| Resolved-Received Required Affiliated Business Disclosure, Resolved - Due Diligence Vendor-08/28/2025<br>| CLTV is less than guidelines maximum - maximum CLTV is 85% - loan has a 69.71% CLTV<br>Qualifying FICO score is at least 20 points above minimum for program - 660 minimum FICO - borrower has 729 FICO |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5050864 |
| XXXX | 695198 | XXXX C A | Closed | FCRE8888 | 2025-07-25 16:20 | 2025-08-01 13:25 | Resolved | 1 - Information C A | Credit | Eligibility | Missing First Mtg Note | Resolved-Received 1st lien Note. - Due Diligence Vendor-08/01/2025 <br>Ready for Review-Document Uploaded. - Seller-07/31/2025 <br>Counter-Received mortgage statement for 1st lien-please provide copy of 1st lien Note. - Due Diligence Vendor-07/30/2025 <br>Ready for Review-Document Uploaded. no 1st mortgage note as this is a stand alone 2nd - Seller-07/30/2025 <br>Counter-Received duplicate copy of 2nd lien Note-missing copy of 1st lien Note. Finding remains. - Due Diligence Vendor-07/29/2025 <br>Ready for Review-Document Uploaded. - Seller-07/28/2025 <br>Open-Missing First Mtg Note - Due Diligence Vendor-07/25/2025 | Ready for Review-Document Uploaded. - Seller-07/31/2025 <br>Ready for Review-Document Uploaded. no 1st mortgage note as this is a stand alone 2nd - Seller-07/30/2025 <br>Ready for Review-Document Uploaded. - Seller-07/28/2025<br>| Resolved-Received 1st lien Note. - Due Diligence Vendor-08/01/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700, Bwr FICO 737<br>Months Reserves exceed minimum required - 8 mths reserves; 0 mths required. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4953555 |
| XXXX | 695198 | XXXX C A | Closed | FCOM1978 | 2025-07-24 07:43 | 2025-07-29 08:05 | Resolved | 1 - Information C A | Compliance | TRID | Missing Intent to Proceed | Resolved-Received ITP signed XXXX. Finding resolved. - Due Diligence Vendor-07/29/2025 <br> Ready for Review-Document Uploaded. - Seller-07/28/2025 <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-07/24/2025 | Ready for Review-Document Uploaded. - Seller-07/28/2025<br>| Resolved-Received ITP signed XXXX. Finding resolved. - Due Diligence Vendor-07/29/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700, Bwr FICO 737<br>Months Reserves exceed minimum required - 8 mths reserves; 0 mths required. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4929711 |
| XXXX | 696424 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 697378 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 697681 | XXXX C A | Closed | finding-3625 | 2025-07-29 12:00 | 2025-08-06 09:16 | Resolved | 1 - Information C A | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Resolved-Received PCCD XXXX, fee moved to Section A, finding resolved. - Due Diligence Vendor-08/06/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-08/05/2025 <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. ....(Third Party Processing 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 XXXXy date. <br> - Due Diligence Vendor-07/29/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-08/05/2025<br>| Resolved-Received PCCD XXXX, fee moved to Section A, finding resolved. - Due Diligence Vendor-08/06/2025 | Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 40.53%<br>Months Reserves exceed minimum required - 42.82 mos reserves; 0 required |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4980795 |
| XXXX | 697681 | XXXX C A | Closed | FCRE0110 | 2025-07-31 07:45 | 2025-08-04 15:39 | Resolved | 1 - Information C A | Credit | Eligibility | Missing or incomplete documentation for Solar Panels | Resolved-Upon further review, Solar is leased and not reporting on the Title Report. - Due Diligence Vendor-08/04/2025 <br> Ready for Review-Document Uploaded. - Seller-07/31/2025 <br> Open-Per VPM GL, 3.6 Solar Liens must be paid off prior to or at closing - Due Diligence Vendor-07/31/2025 | Ready for Review-Document Uploaded. - Seller-07/31/2025<br>| Resolved-Upon further review, Soar is leased and not reporting on the Title Report. - Due Diligence Vendor-08/04/2025<br>| Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 40.53%<br>Months Reserves exceed minimum required - 42.82 mos reserves; 0 required |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5004412 |
| XXXX | 697681 | XXXX C A | Closed | FCRE4963 | 2025-07-31 09:35 | 2025-08-04 15:38 | Resolved | 1 - Information C A | Credit | Debt | No evidence of required debt payoff | Resolved-Received Supplement Report removing Tax Lien. - Due Diligence Vendor-08/04/2025 <br>Ready for Review-Document Uploaded. Tax Lien was deleted - see title Sup / no need to be paid off - Seller-07/31/2025 <br>Open-Missing evidence that state tax lien on title was paid off at closing - Due Diligence Vendor-07/31/2025 | Ready for Review-Document Uploaded. Tax Lien was deleted - see title Sup / no need to be paid off - Seller-07/31/2025<br>| Resolved-Received Supplement Report removing Tax Lien. - Due Diligence Vendor-08/04/2025<br>| Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 40.53%<br>Months Reserves exceed minimum required - 42.82 mos reserves; 0 required |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5005748 |
| XXXX | 697717 | XXXX C B A | Closed | finding-3652 | 2025-07-29 14:19 | 2025-08-11 08:10 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Received COC XXXX Finding resolved. - Due Diligence Vendor-08/11/2025 <br> Ready for Review-Document Uploaded. The following CIC is for a lock extension and the points went from XXXX to XXXX as a result , and points going XXXX to XXXX (total impact XXXX) - Seller-08/08/2025 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits (XXXX) does not exceed or equal the comparable sum of specific and non-specific lender credits (XXXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Lender credit decreased from XXXX to $0 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is 07/18/2028.<br> - Due Diligence Vendor-07/29/2025 | Ready for Review-Document Uploaded. The following CIC is for a lock extension and the points went from XXXXto XXXX as a result , and points going XXXX to XXXX (total impact XXXX) - Seller-08/08/2025 | Resolved-Received COC XXXX Finding resolved. - Due Diligence Vendor-08/11/2025 | On time mortgage history exceeds guideline requirement - 0X30 mortgage history for 24+ months<br>Long term residence - 5 years at current residence |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4983921 |
| XXXX | 697717 | XXXX C B A | Closed | FCRE3333 | 2025-07-31 10:49 | 2025-07-31 10:54 | Waived | 2 - Non-Material 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. - Due Diligence Vendor-07/31/2025 <br>Open-Subject property was listed for sale within a time period not allowed per guidelines Listed at all in last 6 months its not allowed. Lender exception provided to allow listed within 6 months and to use appraised value. - Due Diligence Vendor-07/31/2025 |  | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-07/31/2025<br>| On time mortgage history exceeds guideline requirement - 0X30 mortgage history for 24+ months<br>Long term residence - 5 years at current residence | -0x30 mortgage history 24months<br> -5+ years at current primary residence |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 5007110 |
| XXXX | 697729 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 698141 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 698160 | XXXX D A | Closed | FPRO1242 | 2025-07-28 15:30 | 2025-10-02 16:57 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Received AVM and property condition report. - Due Diligence Vendor-07/31/2025 <br>Ready for Review-Document Uploaded. - Seller-07/30/2025 <br>Open-Appraisal is Missing Missing acceptable valuation. - Due Diligence Vendor-07/28/2025 | Ready for Review-Document Uploaded. - Seller-07/30/2025<br>| Resolved-Received AVM and property condition report. - Due Diligence Vendor-07/31/2025<br>| Long term residence - Long term residence of 4 years.<br>LTV is less than guideline maximum - LTV is 65.26% and max allowed is 80% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4970565 |
| XXXX | 699136 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 699814 | XXXX D A C | Closed | FCRE5782 | 2025-07-30 11:20 | 2025-07-31 15:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM. - Due Diligence Vendor-07/31/2025 <br>Ready for Review-Document Uploaded. - Seller-07/30/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Gap Credit Report is Missing. Credit over 30 days of the Note Date. - Due Diligence Vendor-07/30/2025 | Ready for Review-Document Uploaded. - Seller-07/30/2025<br>| Resolved-Received UDM. - Due Diligence Vendor-07/31/2025<br>| CLTV is less than guidelines maximum - maximum CLTV is 80% - loan has 63.89% CLTV<br>Verified employment history exceeds guidelines - 2 year employment history required - borrower has been employed with same employer for 27 years |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4994203 |
| XXXX | 699814 | XXXX D A C | Closed | FCOM2328 | 2025-07-29 09:01 | 2025-07-31 10:32 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Closing Disclosure Escrow Account | Resolved-Received PCCD XXXX, escrow account sectioned correctly completed.n Finding resolved. - Due Diligence Vendor-07/31/2025 <br> Ready for Review-Document Uploaded. - Seller-07/30/2025 <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-07/29/2025 | Ready for Review-Document Uploaded. - Seller-07/30/2025<br>| Resolved-Received PCCD XXXX, escrow account sectioned correctly completed.n Finding resolved. - Due Diligence Vendor-07/31/2025 | CLTV is less than guidelines maximum - maximum CLTV is 80% - loan has 63.89% CLTV<br>Verified employment history exceeds guidelines - 2 year employment history required - borrower has been employed with same employer for 27 years |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4976725 |
| XXXX | 700314 | XXXX D B A | Closed | FCRE1252 | 2025-08-06 16:16 | 2025-08-28 17:20 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Title Document is Incomplete | Waived-Originator provided a waiver for escrow hold back, applied to non material finding with comp factor - Due Diligence Vendor-08/28/2025 <br> Ready for Review-Document Uploaded. - Seller-08/26/2025 <br> Counter-Please provide an approved exception as escrow hold backs are not allowed per the guidelines. - Due Diligence Vendor-08/11/2025 <br> Ready for Review-Document Uploaded. - Seller-08/08/2025 <br> Ready for Review-Document Uploaded. Please note that the Escrow Holdback was for the purpose of paying off an outstanding judgment on Title. Escrow retained the XXXX since the borrower was disputing the judgment and was trying to get the judgment dismissed. Funds were held to allow the borrower time to get it removed; if the judgment remained valid, Escrow would payoff the balance with the funds withheld. If judgment was dismissed, the funds would be released to the borrower. We further note this holdback was just to ensure the judgment would be cleared and the Final Policy would be issued with the Judgment being removed. - Seller-08/07/2025 <br> Open-Title Document is Incomplete Escrow holdback appears on the CD. XXXX 2nd guidelines are silent however XXXX guide does not allow and reverting to XXXX general loan eligibility guidelines show they also do not allow escrow holdbacks. - Due Diligence Vendor-08/06/2025 | Ready for Review-Document Uploaded. - Seller-08/26/2025 <br> Ready for Review-Document Uploaded. - Seller-08/08/2025 <br> Ready for Review-Document Uploaded. Please note that the Escrow Holdback was for the purpose of paying off an outstanding judgment on Title. Escrow retained the XXXX since the borrower was disputing the judgment and was trying to get the judgment dismissed. Funds were held to allow the borrower time to get it removed; if the judgment remained valid, Escrow would payoff the balance with the funds withheld. If judgment was dismissed, the funds would be released to the borrower. We further note this holdback was just to ensure the judgment would be cleared and the Final Policy would be issued with the Judgment being removed. - Seller-08/07/2025 | Waived-Originator provided a waiver for escrow hold back, applied to non material finding with comp factor - Due Diligence Vendor-08/28/2025<br>| Qualifying DTI below maximum allowed - 18.53% < 50%<br>Months Reserves exceed minimum required - 0 reserves requirement, borrower has 23.94 documented<br>On time mortgage history exceeds guideline requirement - 0x30x22<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700, borrowers FICO is 760 | Qualifying DTI 5% below maximum allowed<br> Residual Income =/> 1.5 times $3,500 monthly residual income | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | No | 5082419 |
| XXXX | 700314 | XXXX D B A | Closed | FCRE7497 | 2025-08-06 16:33 | 2025-08-11 14:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received 3rd Party Verification. - Due Diligence Vendor-08/11/2025 <br>Ready for Review-Document Uploaded. Please see attached LOE indicating further that the source of the letter is from a board member of the HOA. - Seller-08/07/2025 <br>Open- LOE in file for primary home(pg 128) stating HOA includes HOI is unsatisfactory since it is from an unknown source - Due Diligence Vendor-08/06/2025 | Ready for Review-Document Uploaded. Please see attached LOE indicating further that the source of the letter is from a board member of the HOA. - Seller-08/07/2025<br>| Resolved-Received 3rd Party Verification. - Due Diligence Vendor-08/11/2025<br>| Qualifying DTI below maximum allowed - 18.53% < 50%<br>Months Reserves exceed minimum required - 0 reserves requirement, borrower has 23.94 documented<br>On time mortgage history exceeds guideline requirement - 0x30x22<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700, borrowers FICO is 760 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5082784 |
| XXXX | 700314 | XXXX D B A | Closed | FCRE0104 | 2025-08-06 15:55 | 2025-08-06 16:41 | Waived | 2 - Non-Material C B | Credit | Eligibility | Prepayment Penalty is not allowed | Waived-Originator waiver applied to non material finding. - Due Diligence Vendor-08/06/2025 <br> Open-Prepayment Penalty is not allowed. Per XXXX a prepayment penalty may only be applied to corporations, C-Corp and S-Corp specifically. Under NJ Law a prepayment penalty is not permitted to be charged to an LLC - Due Diligence Vendor-08/06/2025 |  | Waived-Originator waiver applied to non material finding. - Due Diligence Vendor-08/06/2025<br>| Qualifying DTI below maximum allowed - 18.53% < 50%<br>Months Reserves exceed minimum required - 0 reserves requirement, borrower has 23.94 documented<br>On time mortgage history exceeds guideline requirement - 0x30x22<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700, borrowers FICO is 760 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | No | 5082015 |
| XXXX | 700314 | XXXX D B A | Closed | FCRE1195 | 2025-08-06 15:46 | 2025-08-06 16:40 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Originator exception granted to allow 75% LTV Non-material waiver applied with comp factors. Deemed non-material due to only 5% over max allowed. - Due Diligence Vendor-08/06/2025 <br>Open-Audited CLTV of 75% exceeds Guideline CLTV of 70% Exception Request: to allow max ltv of 75% - Due Diligence Vendor-08/06/2025 |  | Waived-Originator exception granted to allow 75% LTV Non-material waiver applied with comp factors. Deemed non-material due to only 5% over max allowed. - Due Diligence Vendor-08/06/2025<br>| Qualifying DTI below maximum allowed - 18.53% < 50%<br>Months Reserves exceed minimum required - 0 reserves requirement, borrower has 23.94 documented<br>On time mortgage history exceeds guideline requirement - 0x30x22<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700, borrowers FICO is 760 | DTI is 5% below maximum<br> mortgage history 0x30 24months |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 5081843 |
| XXXX | 700317 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 700365 | XXXX C A | Closed | FCRE1254 | 2025-08-07 12:58 | 2025-08-11 14:10 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received Amendment w/the correct effective date. - Due Diligence Vendor-08/11/2025 <br>Ready for Review-Document Uploaded. Please see attached amended prelim. - Seller-08/08/2025 <br>Open-Property Title Issue Effective date is not a valid date - Due Diligence Vendor-08/07/2025 | Ready for Review-Document Uploaded. Please see attached amended prelim. - Seller-08/08/2025<br>| Resolved-Received Amendment w/the correct effective date. - Due Diligence Vendor-08/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680, borrowers FICO is 782<br>CLTV is less than guidelines maximum - Max CLTV is 85%, borrowers CLTV is 73.17 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5095897 |
| XXXX | 700368 | XXXX D A | Closed | FCRE1316 | 2025-08-07 14:02 | 2025-09-08 09:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received Internet Search - Due Diligence Vendor-09/08/2025 <br> Ready for Review-The latest provided document was pulled XXXX in post close as indicated by the date in the bottom right hand corner. Please waive - Seller-09/03/2025 <br> Counter-documentation does not support the date verified. - Due Diligence Vendor-08/27/2025 <br> Ready for Review-Document Uploaded. - Seller-08/25/2025 <br> Counter-Please provide a Dated Verification. - Due Diligence Vendor-08/22/2025 <br> Ready for Review-Document Uploaded. Please see XXXX search for business confirming address and showing business is still open and active - Seller-08/20/2025 <br> Counter-Good Standing provided, however the document is not date. - Due Diligence Vendor-08/20/2025 <br> Ready for Review-Document Uploaded. Third Party verification that the business in in existence and in good standing is required, City permit attached shows active status - Seller-08/18/2025 <br> Counter-SOS provided is not dated and reflects an Inactive date of XXXX - Due Diligence Vendor-08/12/2025 <br> Ready for Review-Document Uploaded. Please see attached Cali SOS business search showing active - Seller-08/11/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Not found in upload - Due Diligence Vendor-08/07/2025 | Ready for Review-The latest provided document was pulled XXXX in post close as indicated by the date in the bottom right hand corner. Please waive - Seller-09/03/2025 <br> Ready for Review-Document Uploaded. - Seller-08/25/2025 <br> Ready for Review-Document Uploaded. Please see google search for business confirming address and showing business is still open and active - Seller-08/20/2025 <br> Ready for Review-Document Uploaded. Third Party verification that the business in in existence and in good standing is required, City permit attached shows active status - Seller-08/18/2025 <br> Ready for Review-Document Uploaded. Please see attached XXXX SOS business search showing active - Seller-08/11/2025 | Resolved-Received Internet Search - Due Diligence Vendor-09/08/2025<br>| Qualifying DTI below maximum allowed - Max DTI is 45%, borrowers DTI is 16.88<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 720, borrowers mid score is 770 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5097326 |
| XXXX | 700368 | XXXX D A | Closed | FCRE1325 | 2025-08-07 14:02 | 2025-09-08 09:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received documentation to support > 24 months. - Due Diligence Vendor-08/20/2025 <br> Ready for Review-Document Uploaded. Please see city permit reflects start date as of XXXX, issued XXXX - ACTIVE - Seller-08/18/2025 <br> Counter-Document provided does not confirm 24 month history. - Due Diligence Vendor-08/12/2025 <br> Ready for Review-Document Uploaded. Please see LLC filing showing borrower as CEO/owner - Seller-08/11/2025 <br> Open-Borrower 1 CPA Letter Missing CPA letter confirming 2 years self-employment history. - Due Diligence Vendor-08/07/2025 | Ready for Review-Document Uploaded. Please see city permit reflects start date as of XXXX, issued XXXX - ACTIVE - Seller-08/18/2025 <br> Ready for Review-Document Uploaded. Please see LLC filing showing borrower as CEO/owner - Seller-08/11/2025 | Resolved-Received documentation to support > 24 months. - Due Diligence Vendor-08/20/2025<br>| Qualifying DTI below maximum allowed - Max DTI is 45%, borrowers DTI is 16.88<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 720, borrowers mid score is 770 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5097327 |
| XXXX | 700368 | XXXX D A | Closed | FCRE1254 | 2025-08-07 14:22 | 2025-08-12 14:14 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Upon further review, the loan file contains sufficient documentation for the non-fixture solar. - Due Diligence Vendor-08/12/2025 <br> Ready for Review-Please waive. Solar documents show solar is not a lien and filed as personal property (under Liens section on page 2 of solar agreement). This would not require solar to be paid off. Title also confirms this as a non-fixture solar (item 9). CES guides go off XXXX. Payment was included in DTI. - Seller-08/11/2025 <br> Open-Property Title Issue Per GL, solar lien to be PIF. Email in file stating an affidavit would protect lien position but not terminate UCC - Due Diligence Vendor-08/07/2025 | Ready for Review-Please waive. Solar documents show solar is not a lien and filed as personal property (under Liens section on page 2 of solar agreement). This would not require solar to be paid off. Title also confirms this as a non-fixture solar (item 9). CES guides go off XXXX. Payment was included in DTI. - Seller-08/11/2025 | Resolved-Upon further review, the loan file contains sufficient documentation for the non-fixture solar. - Due Diligence Vendor-08/12/2025<br>| Qualifying DTI below maximum allowed - Max DTI is 45%, borrowers DTI is 16.88<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 720, borrowers mid score is 770 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5097898 |
| XXXX | 700704 | XXXX C B A | Closed | FCRE0140 | 2025-08-08 06:58 | 2025-08-08 07:23 | Waived | 2 - Non-Material C B | Credit | Eligibility | DSCR loan does not meet program guidelines | Waived-Originator exception granted to allow 110% of market rents without proof of receipt, Non-material waiver applied with comp factors. non-material due to CLTV 75%, B1 credit profile has 0 lates across all tradelines. - Due Diligence Vendor-08/08/2025 <br> Open-Lender exception in file to use lease agreement up to 110% of market rent. Lease agreement XXXX; Market rents $XXXX. Approved to use XXXX without proof of receipt. - Due Diligence Vendor-08/08/2025 |  | Waived-Originator exception granted to allow 110% of market rents without proof of receipt, Non-material waiver applied with comp factors. non-material due to CLTV 75%, B1 credit profile has 0 lates across all tradelines. - Due Diligence Vendor-08/08/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO of 721 is higher than the minimum FICO required of 700<br>On time mortgage history exceeds guideline requirement - Credit report reflects on time mortgage history for last 36 months | CLTV 5% less than guideline Maximum<br> mortgage history 0x30 24months |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 5106634 |
| XXXX | 701013 | XXXX D B C A | Closed | FCRE1495 | 2025-07-29 16:57 | 2025-08-11 11:05 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: Current Employment Not Verified | Resolved-Please see waiver for income documentation. - Due Diligence Vendor-08/11/2025 <br> Ready for Review-Uploaded PC exception - Seller-08/07/2025 <br> Counter-Received bank statements-review is unable to confirm source of deposits. Please provide pay statement to support year to date received income from 2nd source. Finding remains. - Due Diligence Vendor-08/04/2025 <br> Ready for Review-Uploaded VOE - Seller-08/01/2025 <br> Open-ATR: Current Employment Not Verified The borrower is an independent contractor and provided two (2) 1099's and a tax transcript for XXXX reflecting two employers. Missing current employment verification for one of the two employers. Additional conditions may apply. - Due Diligence Vendor-07/29/2025 | Ready for Review-Uploaded PC exception - Seller-08/07/2025 <br>Ready for Review-Uploaded VOE - Seller-08/01/2025<br>| Resolved-Please see waiver for income documentation. - Due Diligence Vendor-08/11/2025<br>| CLTV is less than guidelines maximum - Qualifying CLTV 65.551 is less than the guideline max of 75.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 695 is more than 20 points higher than the guideline min of 660. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4987085 |
| XXXX | 701013 | XXXX D B C A | Closed | FCRE1497 | 2025-07-29 16:57 | 2025-08-11 11:05 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: Reasonable Income or Assets Not Considered | Resolved-Please see waiver for income documentation. - Due Diligence Vendor-08/11/2025 <br>Ready for Review-Uploaded PC exception - Seller-08/07/2025 <br>Counter-Received bank statements-review is unable to confirm source of deposits. Please provide pay statement to support year to date received income from 2nd source. Finding remains. - Due Diligence Vendor-08/04/2025 <br>Ready for Review-Uploaded VOE - Seller-08/01/2025 <br>Open-ATR: Reasonable Income or Assets Not Considered The borrower is an independent contractor and provided two (2) 1099's and a tax transcript for 2024 reflecting two employers. Missing current income documentation for one of the two employers. Additional conditions may apply. - Due Diligence Vendor-07/29/2025 | Ready for Review-Uploaded PC exception - Seller-08/07/2025 <br>Ready for Review-Uploaded VOE - Seller-08/01/2025<br>| Resolved-Please see waiver for income documentation. - Due Diligence Vendor-08/11/2025<br>| CLTV is less than guidelines maximum - Qualifying CLTV 65.551 is less than the guideline max of 75.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 695 is more than 20 points higher than the guideline min of 660. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4987086 |
| XXXX | 701013 | XXXX D B C A | Closed | FCRE1506 | 2025-07-29 16:58 | 2025-08-11 11:05 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Please see waiver for income documentation. - Due Diligence Vendor-08/11/2025 <br>Ready for Review-Uploaded PC exception - Seller-08/07/2025 <br>Counter-Received bank statements-review is unable to confirm source of deposits. Please provide pay statement to support year to date received income from 2nd source. Finding remains. - Due Diligence Vendor-08/04/2025 <br>Ready for Review-Uploaded VOE - Seller-08/01/2025 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Need additional income and employment documentation to support the income used in qualifying. - Due Diligence Vendor-07/29/2025 | Ready for Review-Uploaded PC exception - Seller-08/07/2025 <br>Ready for Review-Uploaded VOE - Seller-08/01/2025<br>| Resolved-Please see waiver for income documentation. - Due Diligence Vendor-08/11/2025<br>| CLTV is less than guidelines maximum - Qualifying CLTV 65.551 is less than the guideline max of 75.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 695 is more than 20 points higher than the guideline min of 660. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4987095 |
| XXXX | 701013 | XXXX D B C A | Closed | FCRE1316 | 2025-07-29 16:50 | 2025-08-11 11:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received VVOe for 2nd source of income. - Due Diligence Vendor-08/04/2025 <br>Ready for Review-Document Uploaded. Uploaded VOE - Seller-08/01/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Borrower is a 1099 contractor. Missing VVOE for 1 of the 2 employers. - Due Diligence Vendor-07/29/2025 | Ready for Review-Document Uploaded. Uploaded VOE - Seller-08/01/2025<br>| Resolved-Received VVOe for 2nd source of income. - Due Diligence Vendor-08/04/2025<br>| CLTV is less than guidelines maximum - Qualifying CLTV 65.551 is less than the guideline max of 75.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 695 is more than 20 points higher than the guideline min of 660. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4986959 |
| XXXX | 701013 | XXXX D B C A | Closed | FCRE1330 | 2025-07-30 08:19 | 2025-08-11 11:01 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Borrower 1 Paystubs Missing | Waived-Originator exception granted to allow missing Paystub. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-08/11/2025 <br>Ready for Review-Document Uploaded. Uploaded PC exception - Seller-08/07/2025 <br>Counter-Received bank statements-review is unable to confirm source of deposits. Please provide pay statement to support year to date received income from 2nd source. Finding remains. - Due Diligence Vendor-08/04/2025 <br>Ready for Review-Document Uploaded. The guidelines state a current paystub OR bank statements. We provided both and it does not state we need "ytd earnings". The paystubs provided show deposited into the borrower's account. Uploaded all the income docs again. - Seller-07/31/2025 <br>Open-Borrower 1 Paystubs Missing Borrower is a 1099 contractor. Missing current YTD earnings for 1 of the 2 employers. - Due Diligence Vendor-07/30/2025 | Ready for Review-Document Uploaded. Uploaded PC exception - Seller-08/07/2025 <br>Ready for Review-Document Uploaded. The guidelines state a current paystub OR bank statements. We provided both and it does not state we need "ytd earnings". The paystubs provided show deposited into the borrower's account. Uploaded all the income docs again. - Seller-07/31/2025<br>| Waived-Originator exception granted to allow missing Paystub. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-08/11/2025<br>| CLTV is less than guidelines maximum - Qualifying CLTV 65.551 is less than the guideline max of 75.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 695 is more than 20 points higher than the guideline min of 660. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 4990933 |
| XXXX | 701013 | XXXX D B C A | Closed | finding-3532 | 2025-07-29 10:25 | 2025-08-01 07:24 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-Received evidence of receipt for CD XXXX. Finding resolved. - Due Diligence Vendor-08/01/2025 <br> Ready for Review-Document Uploaded. uploaded signed initial CD - Seller-07/31/2025 <br> Counter------Received PCCD XXXX, consummation date remains 7/18/2025. Please provide proof of receipt by borrower for Initial CD dated XXXX providing the 3 day waiting period. - Due Diligence Vendor-07/31/2025 <br> Ready for Review-Document Uploaded. Uploaded PCCD - Seller-07/30/2025 <br> Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. ------Please provide proof of receipt by borrower for Initial CD dated XXXX. - Due Diligence Vendor-07/29/2025 | Ready for Review-Document Uploaded. uploaded signed initial CD - Seller-07/31/2025 <br>Ready for Review-Document Uploaded. Uploaded PCCD - Seller-07/30/2025<br>| Resolved-Received evidence of receipt for CD XXXX. Finding resolved. - Due Diligence Vendor-08/01/2025 | CLTV is less than guidelines maximum - Qualifying CLTV 65.551 is less than the guideline max of 75.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 695 is more than 20 points higher than the guideline min of 660. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4978091 |
| XXXX | 703579 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 703603 | XXXX C A | Closed | FCRE5790 | 2025-08-12 09:24 | 2025-08-19 14:43 | 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 UDM - Due Diligence Vendor-08/19/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-08/15/2025 <br> Counter-Please provide the DV report with a last submission date of XXXX. - Due Diligence Vendor-08/15/2025 <br> Ready for Review-Please refer to page 17 of the attached DV which reflects UDM monitoring start date of XXXX, which is within 10 days of closing. We have also attached a screenshot of the DV website to confirm the date the DV was run. - Seller-08/13/2025 <br> Counter-UDM in the loan file is not dated within 10 days. - Due Diligence Vendor-08/13/2025 <br> Ready for Review-Document Uploaded. The requested document was included in the uploaded loan file. and attached herein. Please refer to pages 110 for the UDM with a monitoring start date of XXXX, which is within 10 days of closing. We have also attached a screenshot of the DV website to confirm the date the DV was run. - Seller-08/12/2025 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Fraud report not run within 10 days of closing - Due Diligence Vendor-08/12/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-08/15/2025 <br> Ready for Review-Please refer to page 17 of the attached DV which reflects UDM monitoring start date of XXXX, which is within 10 days of closing. We have also attached a screenshot of the DV website to confirm the date the DV was run. - Seller-08/13/2025 <br> Ready for Review-Document Uploaded. The requested document was included in the uploaded loan file. and attached herein. Please refer to pages 110 for the UDM with a monitoring start date of XXXX, which is within 10 days of closing. We have also attached a screenshot of the DV website to confirm the date the DV was run. - Seller-08/12/2025 | Resolved-Received unexpired UDM - Due Diligence Vendor-08/19/2025<br>| Months Reserves exceed minimum required - 31.85 mos reserves; 0 required<br>Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 26.86% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5143315 |
| XXXX | 703603 | XXXX C A | Closed | FCRE6618 | 2025-08-12 10:13 | 2025-08-15 12:31 | Resolved | 1 - Information C A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-Received revised 1003 with sufficient employment history. - Due Diligence Vendor-08/15/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-08/13/2025 <br> Counter-1003 is required to reflect 2 years employment history. - Due Diligence Vendor-08/13/2025 <br> Ready for Review-Document Uploaded. We respectfully disagree. The borrower has been self employed for over 5 years as confirmed by the CPA letter delivered with the loan file and attached herein. The borrower started his corporation on XXXX. - Seller-08/12/2025 <br> Open-Missing 2 year employment history on 1003<br> - Due Diligence Vendor-08/12/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-08/13/2025 <br> Ready for Review-Document Uploaded. We respectfully disagree. The borrower has been self employed for over 5 years as confirmed by the CPA letter delivered with the loan file and attached herein. The borrower started his corporation on XXXX. - Seller-08/12/2025 | Resolved-Received revised 1003 with sufficient employment history. - Due Diligence Vendor-08/15/2025<br>| Months Reserves exceed minimum required - 31.85 mos reserves; 0 required<br>Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 26.86% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5144365 |
| XXXX | 703603 | XXXX C A | Closed | FCRE1317 | 2025-08-12 10:35 | 2025-08-13 15:21 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Total Years Employment Verified is Less Than 24 Months | Resolved-Upon further review the tax preparer confirmed 5 years self employment. - Due Diligence Vendor-08/13/2025 <br> Ready for Review-Document Uploaded. We respectfully disagree. The borrower has been self employed for over 5 years as confirmed by the CPA letter delivered with the loan file and attached herein. The borrower started his corporation on XXXX. - Seller-08/12/2025 | Ready for Review-Document Uploaded. We respectfully disagree. The borrower has been self employed for over 5 years as confirmed by the CPA letter delivered with the loan file and attached herein. The borrower started his corporation on XXXX. - Seller-08/12/2025 | Resolved-Upon further review the tax preparer confirmed 5 years self employment. - Due Diligence Vendor-08/13/2025<br>| Months Reserves exceed minimum required - 31.85 mos reserves; 0 required<br>Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 26.86% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5144876 |
| XXXX | 703603 | XXXX C A | Closed | FCRE6696 | 2025-08-12 10:14 | 2025-08-13 15:17 | Resolved | 1 - Information C A | Credit | Income/Employment | Employment Self-Employed Less Than 2 Years at Origination | Resolved-Upon further review the tax preparer confirmed 5 years self employment. - Due Diligence Vendor-08/13/2025 <br> Ready for Review-Document Uploaded. We respectfully disagree. The borrower has been self employed for over 5 years as confirmed by the CPA letter delivered with the loan file and attached herein. The borrower started his corporation on XXXX. - Seller-08/12/2025 <br> Open-Missing 2 year self-employment history - Due Diligence Vendor-08/12/2025 | Ready for Review-Document Uploaded. We respectfully disagree. The borrower has been self employed for over 5 years as confirmed by the CPA letter delivered with the loan file and attached herein. The borrower started his corporation on XXXX. - Seller-08/12/2025 | Resolved-Upon further review the tax preparer confirmed 5 years self employment. - Due Diligence Vendor-08/13/2025<br>| Months Reserves exceed minimum required - 31.85 mos reserves; 0 required<br>Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 26.86% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5144371 |
| XXXX | 704829 | XXXX C A | Closed | FCRE0108 | 2025-08-12 14:48 | 2025-08-15 12:36 | Resolved | 1 - Information C A | Credit | Insurance | XXXX Coverage not met | Resolved-Received Master Policy w/sufficient XXXX Coverage. - Due Diligence Vendor-08/15/2025 <br> Ready for Review-Document Uploaded. Please see attached. C Directors & Officers PN XXXX limit of liability - XXXX. - Seller-08/13/2025 <br> Open-XXXX Coverage not met. Condo Policy does not reflect XXXXcoverage - Due Diligence Vendor-08/12/2025 | Ready for Review-Document Uploaded. Please see attached. C Directors & Officers XXXX XXXX to XXXX limit of liability - XXXX. - Seller-08/13/2025 | Resolved-Received Master Policy w/sufficient XXXX Coverage. - Due Diligence Vendor-08/15/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 720, borrowers mid score is 779<br>CLTV is less than guidelines maximum - Max CLTV is 80%, borrowers CLTV is 69.9% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5150678 |
| XXXX | 704985 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 705122 | XXXX C B A | Closed | FCRE1510 | 2025-08-08 12:01 | 2025-08-22 14:46 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received recorded DOT w/legal. - Due Diligence Vendor-08/22/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-08/20/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. -----Missing Legal Description. - Due Diligence Vendor-08/08/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-08/20/2025<br>| Resolved-Received recorded DOT w/legal. - Due Diligence Vendor-08/22/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 700 min FICO, borrowers mid score is 764<br>Months Reserves exceed minimum required - 0 months reserves required, borrower has 14.17 documented |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5112333 |
| XXXX | 705122 | XXXX C B A | Closed | finding-3652 | 2025-08-08 12:28 | 2025-08-14 10:51 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-------Lender Credit in the amount of XXXX was issued on Final CD XXXX for increase in fee above legal limit. Resolved - Due Diligence Vendor-08/14/2025 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits (XXXX) does not exceed or equal the comparable sum of specific and non-specific lender credits (XXXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-08/08/2025 |  | Resolved-------Lender Credit in the amount of XXXX was issued on Final CD XXXX for increase in fee above legal limit. Resolved - Due Diligence Vendor-08/14/2025 | Qualifying FICO score is at least 20 points above minimum for program - 700 min FICO, borrowers mid score is 764<br>Months Reserves exceed minimum required - 0 months reserves required, borrower has 14.17 documented |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5112912 |
| XXXX | 705122 | XXXX C B A | Closed | FCRE4963 | 2025-08-14 10:23 | 2025-08-14 10:50 | Waived | 2 - Non-Material C B | Credit | Debt | No evidence of required debt payoff | Waived-Originator exception granted to allow 6 months proof of payment from business for XXXX lease payment. Non-material waiver applied with comp factors. Deemed non-material due to account was only opened 6 months ago one year has not transpired - Due Diligence Vendor-08/14/2025 <br> Open-6 months proof of payment from business for XXXX months proof of payment from business for lease payment lease payment does not meet the 12 months required. - Due Diligence Vendor-08/14/2025 |  | Waived-Originator exception granted to allow 6 months proof of payment from business for XXXX lease payment. Non-material waiver applied with comp factors. Deemed non-material due to account was only opened 6 months ago one year has not transpired - Due Diligence Vendor-08/14/2025 | Qualifying FICO score is at least 20 points above minimum for program - 700 min FICO, borrowers mid score is 764<br>Months Reserves exceed minimum required - 0 months reserves required, borrower has 14.17 documented | fico is 20+ points higher than minimum<br> 0x30x24<br> 5 years self employed |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 5176237 |
| XXXX | 705497 | XXXX D A | Closed | FCOM1544 | 2025-08-15 08:09 | 2025-10-03 08:13 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Received final CD XXXX page 5 of 5. Finding resolved. - Due Diligence Vendor-08/22/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-08/21/2025 <br> Open-TRID: Missing Final Closing Disclosure Missing page 5 of 5 of the Final CD that matches the final 1003. - Due Diligence Vendor-08/15/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-08/21/2025<br>| Resolved-Received final CD XXXX page 5 of 5. Finding resolved. - Due Diligence Vendor-08/22/2025 | Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI 37.22%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660 - Borrower's FICO 808 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5189909 |
| XXXX | 705542 | XXXX D A | Closed | FCRE7497 | 2025-08-15 10:39 | 2025-08-19 14:42 | 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-08/19/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-08/16/2025 <br> Open-Missing mortgage statement for XXXX to document T&I are included in payment shown on CR - Due Diligence Vendor-08/15/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-08/16/2025<br>| Resolved-Received PITIA validation. - Due Diligence Vendor-08/19/2025<br>| Months Reserves exceed minimum required - 0 reserves required, borrower has 21.79 documented<br>Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 39.30% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5192260 |
| XXXX | 705689 | XXXX C A | Closed | finding-3634 | 2025-08-12 10:46 | 2025-08-21 10:42 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Upon further review, finding resolved. - Due Diligence Vendor-08/21/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-08/19/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Zero (0%) tolerance fees increased by XXXX (Mortgage Broker Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 3 years. Expires XXXX [COC Disclosure in file dated XXXX is not sufficient]<br> - Due Diligence Vendor-08/12/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-08/19/2025<br>| Resolved-Upon further review, finding resolved. - Due Diligence Vendor-08/21/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 720, borrowers mid score is 772<br>CLTV is less than guidelines maximum - Max CLTV is 70%, borrowers CLTV is 42% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5145172 |
| XXXX | 705741 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 705798 | XXXX D A | Closed | FCRE5783 | 2025-08-05 13:29 | 2025-08-19 12:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Received UDM. - Due Diligence Vendor-08/08/2025 <br>Ready for Review-Document Uploaded. - Seller-08/07/2025 <br>Open-Borrower 2 Gap Credit Report is Missing. - Due Diligence Vendor-08/07/2025 | Ready for Review-Document Uploaded. - Seller-08/07/2025<br>| Resolved-Received UDM. - Due Diligence Vendor-08/08/2025<br>| On time mortgage history exceeds guideline requirement - On time mortgage history exceeds guideline requirement of 0x30 >than 35 months<br>Verified employment history exceeds guidelines - Verified employment history exceeds guidelines . 5 years employed.<br>Qualifying FICO score is at least 20 points above minimum for program - 685 FICO; 660 required |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5061878 |
| XXXX | 705798 | XXXX D A | Closed | FPRO1242 | 2025-08-06 15:19 | 2025-08-15 09:25 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Upon further review, subject loan is not HPML and a second appraisal is not required - Due Diligence Vendor-08/15/2025 <br>Ready for Review-Document Uploaded. - Seller-08/14/2025 <br>Counter-Received page 1 of Mavent-please provide complete Mavent report for review. - Due Diligence Vendor-08/14/2025 <br>Ready for Review-Document Uploaded. Please see LOE attached. Thank you. - Seller-08/11/2025 <br>Counter-Received PCI-Loan is HPML and a full appraisal is required - Due Diligence Vendor-08/08/2025 <br>Ready for Review-Document Uploaded. - Seller-08/07/2025 <br>Open-Loan is HPML and a full appraisal is required - Due Diligence Vendor-08/06/2025 | Ready for Review-Document Uploaded. - Seller-08/14/2025 <br>Ready for Review-Document Uploaded. Please see LOE attached. Thank you. - Seller-08/11/2025 <br>Ready for Review-Document Uploaded. - Seller-08/07/2025<br>| Resolved-Upon further review, subject loan is not HPML and a second appraisal is not required - Due Diligence Vendor-08/15/2025<br>| On time mortgage history exceeds guideline requirement - On time mortgage history exceeds guideline requirement of 0x30 >than 35 months<br>Verified employment history exceeds guidelines - Verified employment history exceeds guidelines . 5 years employed.<br>Qualifying FICO score is at least 20 points above minimum for program - 685 FICO; 660 required |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5081197 |
| XXXX | 707687 | XXXX C A | Closed | finding-3532 | 2025-08-04 12:40 | 2025-08-07 13:38 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-Received disclosure tracking confirming borrower received initial CD on XXXX. - Due Diligence Vendor-08/07/2025 <br> Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXXX 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 XXXX is not signed and there is no evidence in file to determine if it was provided to borrower at least three days prior to closing date of XXXX. Statute of Limitations - 1 year, expiration date XXXX - Due Diligence Vendor-08/04/2025 |  | Resolved-Received disclosure tracking confirming borrower received initial CD on XXXX. - Due Diligence Vendor-08/07/2025 | Months Reserves exceed minimum required - 6.17 mths reserves; 0 mths required.<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Excess Resid Inc Avail (+15k) |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5043591 |
| XXXX | 707928 | XXXX D A | Closed | FCRE7497 | 2025-08-05 14:14 | 2025-08-13 10:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received mortgage statement w/escrows. - Due Diligence Vendor-08/13/2025 <br>Ready for Review-Document Uploaded. See mortgage statement showing escrows are included in payment. - Seller-08/12/2025 <br>Open-No documentation provided to evidence taxes and insurance are escrowed for property 3b. - Due Diligence Vendor-08/05/2025 | Ready for Review-Document Uploaded. See mortgage statement showing escrows are included in payment. - Seller-08/12/2025<br>| Resolved-Received mortgage statement w/escrows. - Due Diligence Vendor-08/13/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 706 is more than 20 points higher than the guideline min of 680.<br>Qualifying DTI below maximum allowed - Qualifying DTI 42.06 is less than the guideline max of 50. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5062900 |
| XXXX | 707929 | XXXX C B A | Closed | FCRE1506 | 2025-08-06 14:45 | 2025-08-27 16:05 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Lease provided for rental property, DTI is within guidelines max. - Due Diligence Vendor-08/27/2025 <br> Counter-Received lease and revised 1008/1003-to consider income from CB National Investments 12 months business bank statements, analysis and proof of ownership must be provided. - Due Diligence Vendor-08/25/2025 <br> Ready for Review-Document Uploaded. Uploaded revised 1003/1008, current lease agreement & biz lic (to evidence bwr owns XXXX, LLC). DTI < 50% with $4k rental income included from XXXX property - Seller-08/22/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Income cannot be accurately determined, and ATR QM is pending. Bank statements used for income must be fully translated into English. DTI > 50% at 57% due to 1st lien was not included in DTI. - Due Diligence Vendor-08/06/2025 | Ready for Review-Document Uploaded. Uploaded revised 1003/1008, current lease agreement & biz lic (to evidence bwr owns XXXX). DTI < 50% with $4k rental income included from XXXX property - Seller-08/22/2025 | Resolved-Lease provided for rental property, DTI is within guidelines max. - Due Diligence Vendor-08/27/2025<br>| CLTV is less than guidelines maximum - Qualifying CLTV 71.17 is less than the guideline max of 75.<br>Long term residence - Borrower has been at primary residence 6 years. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5080052 |
| XXXX | 707929 | XXXX C B A | Closed | FCRE1193 | 2025-08-06 14:42 | 2025-08-27 16:05 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Lease provided for rental property, DTI is within guidelines max. - Due Diligence Vendor-08/27/2025 <br> Counter-Received lease and revised 1008/1003-to consider income from XXXX 12 months business bank statements, analysis and proof of ownership must be provided. - Due Diligence Vendor-08/25/2025 <br> Ready for Review-Document Uploaded. Uploaded revised 1003/1008, current lease agreement & biz lic (to evidence bwr owns XXXX, LLC). DTI < 50% with $4k rental income included from XXXX property - Seller-08/22/2025 <br> Open-Audited DTI of 57.29% exceeds Guideline DTI of 50%. Senior lien payment was not included on lenders decision. - Due Diligence Vendor-08/06/2025 | Ready for Review-Document Uploaded. Uploaded revised 1003/1008, current lease agreement & biz lic (to evidence bwr owns XXXX). DTI < 50% with $4k rental income included from XXXX property - Seller-08/22/2025 | Resolved-Lease provided for rental property, DTI is within guidelines max. - Due Diligence Vendor-08/27/2025<br>| CLTV is less than guidelines maximum - Qualifying CLTV 71.17 is less than the guideline max of 75.<br>Long term residence - Borrower has been at primary residence 6 years. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5079961 |
| XXXX | 707929 | XXXX C B A | Closed | FCRE1437 | 2025-08-06 14:05 | 2025-08-27 11:40 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Received missing bank statements. - Due Diligence Vendor-08/27/2025 <br> Ready for Review-Document Uploaded. Copy of XXXX translated XXXX uploaded - Seller-08/26/2025 <br> Counter-Received XXXX business bank statements - missing XXXX. - Due Diligence Vendor-08/14/2025 <br> Ready for Review-Document Uploaded. Uploaded translated XXXX bank statements...only the mos that needed to be translated. Initial upload had some of the mos already in XXXX. - Seller-08/12/2025 <br> Open-Income and Employment Do Not Meet Guidelines Bank statements used for income must be fully translated into XXXX - Due Diligence Vendor-08/06/2025 | Ready for Review-Document Uploaded. Copy of XXXX translated XXXX uploaded - Seller-08/26/2025 <br> Ready for Review-Document Uploaded. Uploaded translated XXXX bank statements...only the mos that needed to be translated. Initial upload had some of the mos already in XXXX. - Seller-08/12/2025 | Resolved-Received missing bank statements. - Due Diligence Vendor-08/27/2025<br>| CLTV is less than guidelines maximum - Qualifying CLTV 71.17 is less than the guideline max of 75.<br>Long term residence - Borrower has been at primary residence 6 years. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5079166 |
| XXXX | 707929 | XXXX C B A | Closed | finding-3634 | 2025-08-04 09:07 | 2025-08-13 09:28 | Cured | 2 - Non-Material C B | Compliance | TRID | Charges That Cannot Increase Test | Cured-Received copy of check sent to borrower on 8/8/2025 in the amount of $995. Provided documentation is sufficient, finding cured. - Due Diligence Vendor-08/13/2025 <br> Ready for Review-Document Uploaded. Copy of cashiers check uploaded - Seller-08/12/2025 <br> Counter-Received PCCD dated XXXX, COC/LOE, shipping label, and check request form. Provided information is not sufficient to cure violation, please provide scan of refund check sent to borrower. - Due Diligence Vendor-08/11/2025 <br> Ready for Review-Document Uploaded. Copy of PCCD, LOE, FedEx Label and check request uploaded for XXXX 3rd part broker processing fee - Seller-08/08/2025 <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 XXXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by XXXX (Broker Processing Fee (3rd Party) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 3 years- Expiration date is XXXX. - Due Diligence Vendor-08/04/2025 | Ready for Review-Document Uploaded. Copy of cashiers check uploaded - Seller-08/12/2025 <br> Ready for Review-Document Uploaded. Copy of PCCD, LOE, XXXX Label and check request uploaded for XXXX 3rd part broker processing fee - Seller-08/08/2025 | Cured-Received copy of check sent to borrower on XXXX in the amount of XXXX. Provided documentation is sufficient, finding cured. - Due Diligence Vendor-08/13/2025 | CLTV is less than guidelines maximum - Qualifying CLTV 71.17 is less than the guideline max of 75.<br>Long term residence - Borrower has been at primary residence 6 years. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5038195 |
| XXXX | 712152 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 712335 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 712618 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 714254 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 714507 | XXXX D A C | Closed | FCRE1316 | 2025-08-23 09:19 | 2025-08-29 15:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received VOE - Due Diligence Vendor-08/29/2025 <br> Ready for Review-Document Uploaded. Disagree, Lender notes the information reflects as of XXXX - Seller-08/27/2025 <br> Counter-Documentation provided does not support the date the Verbal Verification was performed. - Due Diligence Vendor-08/27/2025 <br> Ready for Review-Document Uploaded. XXXX please see page 288, SAFER printout states information date as of XXXX. also attached anew - Seller-08/25/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing VVOE in file does not have a date of verification. - Due Diligence Vendor-08/23/2025 | Ready for Review-Document Uploaded. Disagree, Lender notes the information reflects as of XXXX - Seller-08/27/2025 <br> Ready for Review-Document Uploaded. 8.25 please see page 288, SAFER printout states information date as of XXXX. also attached anew - Seller-08/25/2025 | Resolved-Received VOE - Due Diligence Vendor-08/29/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 749 which exceeds the minimum of 720<br>On time mortgage history exceeds guideline requirement - Credit report reflects on time mortgage history for last 43 months |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5292319 |
| XXXX | 714507 | XXXX D A C | Closed | finding-47 | 2025-08-20 15:01 | 2025-08-29 07:46 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD XXXX, disbursement date XXXX, finding resolved. - Due Diligence Vendor-08/29/2025 <br> Ready for Review-Document Uploaded. Please see attached the updated PCCD - Seller-08/27/2025 <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-08/20/2025 | Ready for Review-Document Uploaded. Please see attached the updated PCCD - Seller-08/27/2025<br>| Resolved-Received PCCD XXXX, disbursement date XXXX, finding resolved. - Due Diligence Vendor-08/29/2025 | Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 749 which exceeds the minimum of 720<br>On time mortgage history exceeds guideline requirement - Credit report reflects on time mortgage history for last 43 months |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5254446 |
| XXXX | 714925 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 715248 | XXXX D B A | Closed | FCRE7497 | 2025-08-24 15:22 | 2025-08-26 16:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received PITIA - Due Diligence Vendor-08/26/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-08/25/2025 <br> Open-Missing the PITIA Contract Page 203.; Property XXXX.<br> Missing P/I on property 3C for new XXXX Loan. - Due Diligence Vendor-08/24/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-08/25/2025<br>| Resolved-Received PITIA - Due Diligence Vendor-08/26/2025<br>| Verified employment history exceeds guidelines - The Borrower has been self Employed for 5 years.<br>On time mortgage history exceeds guideline requirement - 0x30x24 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5294890 |
| XXXX | 715248 | XXXX D B A | Closed | FCRE1197 | 2025-08-24 14:24 | 2025-08-25 09:11 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Originator exception granted to allow 718 FICO . Non-material waiver applied with comp factors. Deemed non-material due to only two points under minimum. - Due Diligence Vendor-08/25/2025 <br>Open-Audited FICO of 718 is less than Guideline FICO of 720 - Due Diligence Vendor-08/24/2025 |  | Waived-Originator exception granted to allow 718 FICO . Non-material waiver applied with comp factors. Deemed non-material due to only two points under minimum. - Due Diligence Vendor-08/25/2025<br>| Verified employment history exceeds guidelines - The Borrower has been self Employed for 5 years.<br>On time mortgage history exceeds guideline requirement - 0x30x24 | Mortgage History 0x30 for 24 months.<br> Primary residence for 5 years.<br> Self employed for 5 years. |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 5294748 |
| XXXX | 715324 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 715325 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 715326 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 715484 | XXXX C A | Closed | FCRE0970 | 2025-08-22 09:49 | 2025-09-15 15:28 | Resolved | 1 - Information C A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-Received revised appraisal. - Due Diligence Vendor-09/15/2025 <br>Ready for Review-Document Uploaded. Revised appraisal updated. . Please see page 28/43 for correction - Seller-09/11/2025 <br>Open-The appraisal reflects there are 5 bedrooms; however, only 4 bedroom pictures were provided. - Due Diligence Vendor-08/22/2025 | Ready for Review-Document Uploaded. Revised appraisal updated. . Please see page 28/43 for correction - Seller-09/11/2025<br>| Resolved-Received revised appraisal. - Due Diligence Vendor-09/15/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 720 FICO with 660 min<br>Qualifying DTI below maximum allowed - 26.99% DTI with 50% max<br>Months Reserves exceed minimum required - 21.62 months reserves with 0 months required<br>CLTV is less than guidelines maximum - 33.26% CLTV with 70% max |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5279863 |
| XXXX | 715484 | XXXX C A | Closed | finding-47 | 2025-08-21 12:41 | 2025-08-26 09:22 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD dated XXXX with disbursement date of XXXX. Finding resolved. - Due Diligence Vendor-08/26/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-08/25/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. ----- Provide PCCD with disbursement date after the ROR expiration date.<br> - Due Diligence Vendor-08/21/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-08/25/2025<br>| Resolved-Received PCCD dated XXXX with disbursement date of XXXX. Finding resolved. - Due Diligence Vendor-08/26/2025 | Qualifying FICO score is at least 20 points above minimum for program - 720 FICO with 660 min<br>Qualifying DTI below maximum allowed - 26.99% DTI with 50% max<br>Months Reserves exceed minimum required - 21.62 months reserves with 0 months required<br>CLTV is less than guidelines maximum - 33.26% CLTV with 70% max |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5268437 |
| XXXX | 715484 | XXXX C A | Closed | finding-3652 | 2025-08-21 13:40 | 2025-08-26 09:11 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Received COC dated XXXX for lock extension. Finding resolved. - Due Diligence Vendor-08/26/2025 <br> Ready for Review-Please see attached. - Seller-08/25/2025 <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 (XXXX) does not exceed or equal the comparable sum of specific and non-specific lender credits (XXXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Lender credit decreased from XXXX to XXXX without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is XXXX.<br> - Due Diligence Vendor-08/21/2025 | Ready for Review-Please see attached. - Seller-08/25/2025<br>| Resolved-Received COC dated XXXX for lock extension. Finding resolved. - Due Diligence Vendor-08/26/2025 | Qualifying FICO score is at least 20 points above minimum for program - 720 FICO with 660 min<br>Qualifying DTI below maximum allowed - 26.99% DTI with 50% max<br>Months Reserves exceed minimum required - 21.62 months reserves with 0 months required<br>CLTV is less than guidelines maximum - 33.26% CLTV with 70% max |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5269702 |
| XXXX | 715527 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 715575 | XXXX C B A | Closed | FCRE1195 | 2025-08-24 16:21 | 2025-08-25 10:44 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-08/25/2025 <br> Open-Audited CLTV of 75% exceeds Guideline CLTV of 70%. Matrix XXXX allows max CLTV of 70%. Originator exception granted to allow CLTV of 75%. - Due Diligence Vendor-08/24/2025 |  | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-08/25/2025<br>| 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 - 4.87 mos reserves; 0 required<br>Qualifying DTI below maximum allowed - 35.53% DTI below max of 50% | -mortgage history 24+ months 0x30<br> -4yrs in home<br> -8 yrs on the job |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 5295002 |
| XXXX | 716189 | XXXX D A | Closed | FCRE3091 | 2025-08-25 13:50 | 2025-09-15 15:35 | Resolved | 1 - Information C A | Credit | Insurance | Master Policy Expiration Date is Prior To the Note Date | Resolved-Received Current Master Policy - Due Diligence Vendor-09/15/2025 <br> Ready for Review-Document Uploaded. Current master policy uploaded - Seller-09/12/2025 <br> Open-Master Policy Expiration Date of XXXX is Prior To the Transaction Date of XXXX 1. Provide Master Policy verifying renewal dates, due to policy in file is expired. <br>2. Provide proof of Master Condo Liability coverage. - Due Diligence Vendor-08/25/2025 | Ready for Review-Document Uploaded. Current master policy uploaded - Seller-09/12/2025<br>| Resolved-Received Current Master Policy - Due Diligence Vendor-09/15/2025<br>| Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 34.87%<br>Months Reserves exceed minimum required - 23.2 mos reserves; 0 required |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5304643 |
| XXXX | 716189 | XXXX D A | Closed | FCRE1764 | 2025-08-25 14:52 | 2025-08-27 16:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Verification of Mortgage | Resolved--Received Final CD. - Due Diligence Vendor-10/03/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-08/25/2025 <br> Open-Provide loan docs to verify mortgage terms for property XXXX per Final 1003 - Due Diligence Vendor-08/25/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-08/25/2025<br>| Resolved--Received Final CD. - Due Diligence Vendor-10/03/2025<br>| Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 34.87%<br>Months Reserves exceed minimum required - 23.2 mos reserves; 0 required |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5306112 |
| XXXX | 716477 | XXXX D B A | Closed | FCRE1495 | 2025-08-13 12:21 | 2025-09-03 10:38 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: Current Employment Not Verified | Resolved-Received Operating agreement. - Due Diligence Vendor-08/21/2025 <br> Ready for Review-Document Uploaded. Uploaded operating agreement to prove borrower is 100% owner of XXXX- Seller-08/19/2025 <br> Open-ATR: Current Employment Not Verified Need additional documentation to support the borrower is 100% owner of XXXX. CPA letter is not sufficient based on other documents uploaded that indicate XXXX is the owner. - Due Diligence Vendor-08/13/2025 | Ready for Review-Document Uploaded. Uploaded operating agreement to prove borrower is 100% owner of XXXX - Seller-08/19/2025 | Resolved-Received Operating agreement. - Due Diligence Vendor-08/21/2025<br>| Credit history exceeds minimum required - Borrower has more than three tradelines reporting for a minimum of twelve months with no late pays. <br>Long term residence - Borrower has been at the primary residence for 6 years. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5163443 |
| XXXX | 716477 | XXXX D B A | Closed | FCRE1497 | 2025-08-13 12:21 | 2025-09-03 10:38 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: Reasonable Income or Assets Not Considered | Resolved-Received operating agreement. - Due Diligence Vendor-08/21/2025 <br> Ready for Review-Document Uploaded. Uploaded Operating Agreement proof 100% owner of XXXX - Seller-08/19/2025 <br> Open-ATR: Reasonable Income or Assets Not Considered Need additional documentation to support the borrower is 100% owner of XXXX. CPA letter is not sufficient based on other documents uploaded that indicate Robert Long is the owner. <br> Also need additional documentation to complete REO analysis. - Due Diligence Vendor-08/13/2025 | Ready for Review-Document Uploaded. Uploaded Operating Agreement proof 100% owner of XXXX - Seller-08/19/2025 | Resolved-Received operating agreement. - Due Diligence Vendor-08/21/2025<br>| Credit history exceeds minimum required - Borrower has more than three tradelines reporting for a minimum of twelve months with no late pays. <br>Long term residence - Borrower has been at the primary residence for 6 years. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5163444 |
| XXXX | 716477 | XXXX D B A | Closed | FCRE1506 | 2025-08-13 12:21 | 2025-09-03 10:38 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Updated 1003 and 1008 provided correcting the property addresses and confirming they are listed on the tax returns. - Due Diligence Vendor-09/03/2025 <br> Ready for Review-See other open condition addressing validation of REO properties listed on 1003 that coincide now with 1040 schedule E.. - Seller-09/02/2025 <br> Counter-Pending ownership and validation of REO properties. - Due Diligence Vendor-08/28/2025 <br> Ready for Review-The taxes and hoi for each property was taken from the tax returns schedule E which were provided with credit file - Seller-08/27/2025 <br> Counter-Received revised 1003 reflecting reo XXXX-missing supporting documentation to support losses and revised 1008. Finding remains. - Due Diligence Vendor-08/26/2025 <br> Ready for Review-Document Uploaded. Rebuttal with amended 1003 addressing 2nd half of finding has been uploaded. XXXX does not require the P&I be added on loans when borrower is not not the mortgage, see excerpt of XXXX guideline attached. - Seller-08/26/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Cannot determine ATR status until additional income and REO documentation is provided. - Due Diligence Vendor-08/13/2025 | Ready for Review-See other open condition addressing validation of REO properties listed on 1003 that coincide now with 1040 schedule E.. - Seller-09/02/2025 <br> Ready for Review-The taxes and hoi for each property was taken from the tax returns schedule E which were provided with credit file - Seller-08/27/2025 <br> Ready for Review-Document Uploaded. Rebuttal with amended 1003 addressing 2nd half of finding has been uploaded. XXXX does not require the P&I be added on loans when borrower is not not the mortgage, see excerpt of XXXX guideline attached. - Seller-08/26/2025 | Resolved-Updated 1003 and 1008 provided correcting the property addresses and confirming they are listed on the tax returns. - Due Diligence Vendor-09/03/2025<br>| Credit history exceeds minimum required - Borrower has more than three tradelines reporting for a minimum of twelve months with no late pays. <br>Long term residence - Borrower has been at the primary residence for 6 years. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5163445 |
| XXXX | 716477 | XXXX D B A | Closed | FCRE8611 | 2025-08-13 13:28 | 2025-09-03 10:29 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Updated 1003 and 1008 provided correcting the property addresses and confirming they are listed on the tax returns. - Due Diligence Vendor-09/03/2025 <br> Ready for Review-Document Uploaded. Regarding properties XXXX and XXXX on updated 1003: XXXX, this address doesn't exist, I believe this was a typo on the 1003. Attached is Property Detail Report showing the correct address and owner, which is XXXX. Also, if you look further down, on the tax returns there is a XXXX, and just below it is XXXX. I think these addresses were transposed and incorrectly listed on 1003. Attached is Amended 1003 and 1008 to correct property address 3d (XXXX) and adding XXXX (XXXX) both listed on 1040 schedule E. Please review and advise.. <br> - Seller-09/02/2025 <br> Counter-Received Operating Agreement for business showing borrower at 100% ownership. Missing taxes and insurance for properties XXXX and XXXX on updated 1003 as these properties are not listed on 1040 schedule E in file. Finding remains - Due Diligence Vendor-08/28/2025 <br> Counter-Review is unable to validate ownership and taxes/HOI for each property. Missing revised 1008. finding remains: Documentation in file is not sufficient to evidence the borrower is 100% owner of XXXX. The CPA letter does not address ownership, and despite the business being reported to the borrowers schedule C, many other documents in file (notes and guarantees) indicate XXXX is the owner of the business. Need additional documentation to support using the schedule C income for the borrower. - Due Diligence Vendor-08/28/2025 <br> Ready for Review-The taxes and hoi for each property was taken from the tax returns schedule E which were provided with credit file - Seller-08/27/2025 <br> Counter-Received revised 1003 reflecting reo XXXX-XXXX-missing supporting documentation to support losses and revised 1008. Finding remains. - Due Diligence Vendor-08/26/2025 <br> Ready for Review-Document Uploaded. Rebuttal with amended 1003 addressing 2nd half of funding has been uploaded.XXXX does not require the P&I be added on loans when borrower is not not the mortgage, see excerpt of XXXX guideline attached. - Seller-08/25/2025 <br> Open-Documentation in file is not sufficient to evidence the borrower is 100% owner of XXXX. The CPA letter does not address ownership, and despite the business being reported to the borrowers schedule C, many other documents in file (notes and guarantees) indicate XXXX is the owner of the business. Need additional documentation to support using the schedule C income for the borrower. Also, properties are reported to the borrowers personal schedule E. Per XXXX guides, even if the notes for these properties are in another persons or a business name, these must be factored into the income analysis. We do not have adequate documentation to complete the analysis. Missing documents to show PI for 4 properties. Have 5 notes in file with nothing to show what properties they are attached to. - Due Diligence Vendor-08/13/2025 | Ready for Review-Document Uploaded. Regarding properties XXXX and XXXX on updated 1003: XXXX, this address doesn't exist, I believe this was a typo on the 1003. Attached is Property Detail Report showing the correct address and owner, which is XXXX. Also, if you look further down, on the tax returns there is a XXXX, and just below it is XXXX. I think these addresses were transposed and incorrectly listed on 1003. Attached is Amended 1003 and 1008 to correct property address XXXX (XXXX) and adding 3e (XXXX) both listed on 1040 schedule E. Please review and advise.. <br> - Seller-09/02/2025 <br> Ready for Review-The taxes and hoi for each property was taken from the tax returns schedule E which were provided with credit file - Seller-08/27/2025 <br> Ready for Review-Document Uploaded. Rebuttal with amended 1003 addressing 2nd half of funding has been uploaded. XXXX does not require the P&I be added on loans when borrower is not not the mortgage, see excerpt of XXXX guideline attached. - Seller-08/25/2025 | Resolved-Updated 1003 and 1008 provided correcting the property addresses and confirming they are listed on the tax returns. - Due Diligence Vendor-09/03/2025<br>| Credit history exceeds minimum required - Borrower has more than three tradelines reporting for a minimum of twelve months with no late pays. <br>Long term residence - Borrower has been at the primary residence for 6 years. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5164669 |
| XXXX | 716477 | XXXX D B A | Closed | FCRE1335 | 2025-08-13 11:57 | 2025-08-21 11:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Resolved-Received extension and verification tax returns have not been filed. - Due Diligence Vendor-08/21/2025 <br>Ready for Review-Document Uploaded. - Seller-08/19/2025 <br>Ready for Review-Document Uploaded. Uploaded IRS transcript letter and transcripts. Borrower filed an extension. - Seller-08/19/2025 <br>Open-Borrower 1 IRS Transcripts Missing. Tax returns are stamped, however guides do not indicate this is acceptable. Nothing in file to show transcripts were even attempted. Attempt showing on extension or not filed is not provided. No exception is uploaded. - Due Diligence Vendor-08/13/2025 | Ready for Review-Document Uploaded. - Seller-08/19/2025 <br>Ready for Review-Document Uploaded. Uploaded IRS transcript letter and transcripts. Borrower filed an extension. - Seller-08/19/2025<br>| Resolved-Received extension and verification tax returns have not been filed. - Due Diligence Vendor-08/21/2025<br>| Credit history exceeds minimum required - Borrower has more than three tradelines reporting for a minimum of twelve months with no late pays. <br>Long term residence - Borrower has been at the primary residence for 6 years. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5162881 |
| XXXX | 716477 | XXXX D B A | Closed | FCRE5782 | 2025-08-13 12:14 | 2025-08-21 10:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report - Due Diligence Vendor-08/21/2025 <br> Ready for Review-Document Uploaded. - Seller-08/19/2025 <br> Ready for Review-Document Uploaded. UDN/gap credit uploaded – inquiries are the new loan and one new account with XXXX was opened and added to liabilities. – see updated 1003 and 1008 - Seller-08/19/2025 <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-08/13/2025 | Ready for Review-Document Uploaded. - Seller-08/19/2025 <br>Ready for Review-Document Uploaded. UDN/gap credit uploaded – inquiries are the new loan and one new account with XXXX was opened and added to liabilities. – see updated 1003 and 1008 - Seller-08/19/2025<br>| Resolved-Received Gap Report - Due Diligence Vendor-08/21/2025<br>| Credit history exceeds minimum required - Borrower has more than three tradelines reporting for a minimum of twelve months with no late pays. <br>Long term residence - Borrower has been at the primary residence for 6 years. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5163245 |
| XXXX | 716477 | XXXX D B A | Closed | FCRE0200 | 2025-08-13 12:09 | 2025-08-21 10:56 | Resolved | 1 - Information C A | Credit | Debt | Missing proof of liability not disclosed on credit report | Resolved-Received Statement and revised 1003. - Due Diligence Vendor-08/21/2025 <br> Ready for Review-Document Uploaded. For XXXX ending XXXX and XXXX were entered in error and have been removed see uploaded updated 1003. - Seller-08/19/2025 <br> Open-No documentation is provided to support the liability included on final 1003 for XXXX ending XXXX and XXXX (no acct number on credit). - Due Diligence Vendor-08/13/2025 | Ready for Review-Document Uploaded. For XXXX ending XXXX andXXXX were entered in error and have been removed see uploaded updated 1003. - Seller-08/19/2025 | Resolved-Received Statement and revised 1003. - Due Diligence Vendor-08/21/2025<br>| Credit history exceeds minimum required - Borrower has more than three tradelines reporting for a minimum of twelve months with no late pays. <br>Long term residence - Borrower has been at the primary residence for 6 years. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5163092 |
| XXXX | 716477 | XXXX D B A | Closed | FCRE7497 | 2025-08-13 11:46 | 2025-08-21 10:53 | 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. - Due Diligence Vendor-08/21/2025 <br> Ready for Review-Document Uploaded. Uploaded first page of the appraisal to verify HOA dues for property XXXX - XXXX PL - Seller-08/19/2025 <br> Open-No documentation provided to evidence the HOA dues for property XXXX, online sources show this is a condo. - Due Diligence Vendor-08/13/2025 | Ready for Review-Document Uploaded. Uploaded first page of the appraisal to verify HOA dues for property XXXX - XXXX - Seller-08/19/2025 | Resolved-Received HOA verification. - Due Diligence Vendor-08/21/2025<br>| Credit history exceeds minimum required - Borrower has more than three tradelines reporting for a minimum of twelve months with no late pays. <br>Long term residence - Borrower has been at the primary residence for 6 years. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5162669 |
| XXXX | 716477 | XXXX D B A | Closed | FCRE1440 | 2025-08-13 12:14 | 2025-08-13 13:39 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Originator exception granted to allow 1st lien not reporting on credit. Non-material waiver applied with comp factors. Deemed non-material due to VOM received shows timely payment. - Due Diligence Vendor-08/13/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Subject first mortgage is in husbands name and does not report to borrowers credit report as per guideline requirement.<br> - Due Diligence Vendor-08/13/2025 |  | Waived-Originator exception granted to allow 1st lien not reporting on credit. Non-material waiver applied with comp factors. Deemed non-material due to VOM received shows timely payment. - Due Diligence Vendor-08/13/2025<br>| Credit history exceeds minimum required - Borrower has more than three tradelines reporting for a minimum of twelve months with no late pays. <br>Long term residence - Borrower has been at the primary residence for 6 years. | Ratios < 43%<br> Post-closing reserves > 12 months<br> FICO > 10pts above requirement |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 5163244 |
| XXXX | 720264 | XXXX C B A | Closed | FCRE8201 | 2025-08-24 19:58 | 2025-08-27 16:59 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-Received 12 month look back from XXXX and XXXX. - Due Diligence Vendor-08/27/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-08/26/2025 <br> Open-Per the guideline if the subject property is leased on a short-term basis utilizing an online service such as XXXX or XXXX, gross monthly rents can be determined by using a 12-month look back period. Either 12 monthly statements or an annual statement provided by the online service is required to document receipt of rental income. The appraiser stated that the owner has provided the appraiser short term rental history for XXXX, XXXX, XXXX, and XXXX. The subject is listed on XXXX at XXXX/night on average. However, no documentation was contained in the loan file.<br>- Due Diligence Vendor-08/24/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-08/26/2025<br>| Resolved-Received 12 month look back from VRBO and XXXX. - Due Diligence Vendor-08/27/2025 | Qualifying FICO score is at least 20 points above minimum for program - The Borrower FICO score is 764; guideline minimum is 680<br>Months Reserves exceed minimum required - The Borrower has 32.77 months in reserves; no reserves required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5295258 |
| XXXX | 720264 | XXXX C B A | Closed | FPRO1249 | 2025-08-24 16:13 | 2025-08-25 11:08 | Waived | 2 - Non-Material C B | Credit | Eligibility | Neighborhood Location Not Allowed for Program | Waived-Originator exception granted to allow non-owner occupied property located in a rural are. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-08/25/2025 <br>Open-Primary Value Valuation Neighborhood Location Not Allowed for Program Guideline - Rural property only allowed on primary to 80% CLTV. Subject closed as a non-owner occupied property with the subject property located in a rural area. Lender exception in file. - Due Diligence Vendor-08/24/2025 |  | Waived-Originator exception granted to allow non-owner occupied property located in a rural are. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-08/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - The Borrower FICO score is 764; guideline minimum is 680<br>Months Reserves exceed minimum required - The Borrower has 32.77 months in reserves; no reserves required. | LTV 20% Below Maximum.<br> FICP 40 points Above the minimum requirements. |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 5294993 |
| XXXX | 720301 | XXXX C A | Closed | FCRE0151 | 2025-08-25 11:39 | 2025-09-05 17:07 | Resolved | 1 - Information C A | Credit | Eligibility | Unpaid taxes on subject property | Resolved-Received documentation to support taxes are current. - Due Diligence Vendor-09/05/2025 <br> Ready for Review-Document Uploaded. no delinquent amounts due, Taxes are paid current, please see attached printout - Seller-09/03/2025 <br> Counter-Settlement statement reflect POC for the XXXX, however it does not reflect the penalty of XXXX was paid. - Due Diligence Vendor-08/27/2025 <br> Ready for Review-Document Uploaded. Not a finding, see page 216-218, taxes were paid POC. also attached - Seller-08/25/2025 <br> Open-The subject property is not current on taxes. The title and tax search reflects delinquent property taxes for the second installment of XXXX and penalty of XXXX (p. 704/735). The CD does not reflect these were paid at closing, p. 546. - Due Diligence Vendor-08/25/2025 | Ready for Review-Document Uploaded. no delinquent amounts due, Taxes are paid current, please see attached printout - Seller-09/03/2025 <br> Ready for Review-Document Uploaded. Not a finding, see page 216-218, taxes were paid POC. also attached - Seller-08/25/2025 | Resolved-Received documentation to support taxes are current. - Due Diligence Vendor-09/05/2025<br>| Months Reserves exceed minimum required - The Borrower has reserves in the amount of 49.20 months; no reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - The Borrowers FICO score is 762; guideline minimum is 680 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5301708 |
| XXXX | 720701 | XXXX D A | Closed | FCRE1503 | 2025-08-13 18:14 | 2025-08-27 17:50 | 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-08/27/2025 <br> Ready for Review-Document Uploaded. - Seller-08/25/2025 <br> Counter-Received complete IRA statements - missing receipt of new XXXX and XXXX monthly distribution. - Due Diligence Vendor-08/22/2025 <br> Ready for Review-Document Uploaded. - Seller-08/21/2025 <br> Counter-Received page 51-110 of XXXX-please provide all pages-missing receipt of both IRA distributions. - Due Diligence Vendor-08/20/2025 <br> Ready for Review-Document Uploaded. - Seller-08/19/2025 <br> Counter-Received confirmation of 2 pensions. Missing statements from 3 IRAs from XXXX. (did not receive all pages). Missing receipt of XXXX and XXXX distributions. - Due Diligence Vendor-08/18/2025 <br> Ready for Review-Document Uploaded. see atached - Seller-08/15/2025 <br> Open-ATR: The Lender did not document all ATR Factors Missing 2 pension income Lender used for income and rental loss on schedule E. - Due Diligence Vendor-08/13/2025 | Ready for Review-Document Uploaded. - Seller-08/25/2025 <br>Ready for Review-Document Uploaded. - Seller-08/21/2025 <br>Ready for Review-Document Uploaded. - Seller-08/19/2025 <br>Ready for Review-Document Uploaded. see atached - Seller-08/15/2025<br>| Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-08/27/2025<br>| On time mortgage history exceeds guideline requirement - 0x30 on time mortgage pay history.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 719 ; minimum score 660. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5170012 |
| XXXX | 720701 | XXXX D A | Closed | FCRE1506 | 2025-08-13 18:14 | 2025-08-27 17:50 | 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-08/27/2025 <br> Ready for Review-Document Uploaded. - Seller-08/25/2025 <br> Counter-Received complete IRA statements - missing receipt of new XXXX and XXXX monthly distribution. - Due Diligence Vendor-08/22/2025 <br> Ready for Review-Document Uploaded. - Seller-08/21/2025 <br> Counter-Received page 51-110 of XXXX IRA-please provide all pages-missing receipt of both IRA distributions. - Due Diligence Vendor-08/20/2025 <br> Ready for Review-Document Uploaded. - Seller-08/19/2025 <br> Counter-Received confirmation of 2 pensions. Missing statements from 3 IRAs from XXXX. (did not receive all pages). Missing receipt of XXXX and XXXX distributions. - Due Diligence Vendor-08/18/2025 <br> Ready for Review-Document Uploaded. see attached - Seller-08/15/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing 2 pension income Lender used for income and rental loss on schedule E. - Due Diligence Vendor-08/15/2025 | Ready for Review-Document Uploaded. - Seller-08/25/2025 <br>Ready for Review-Document Uploaded. - Seller-08/21/2025 <br>Ready for Review-Document Uploaded. - Seller-08/19/2025 <br>Ready for Review-Document Uploaded. see attached - Seller-08/15/2025<br>| Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-08/27/2025<br>| On time mortgage history exceeds guideline requirement - 0x30 on time mortgage pay history.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 719 ; minimum score 660. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5170013 |
| XXXX | 720701 | XXXX D A | Closed | FCRE1964 | 2025-08-14 06:16 | 2025-08-27 17:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved-Received confirmation to follow agency guidelines regarding pension receipt. - Due Diligence Vendor-08/27/2025 <br> Ready for Review-Document Uploaded. - Seller-08/25/2025 <br> Counter-Received complete IRA statements - missing receipt of new XXXX and XXXXmonthly distribution. - Due Diligence Vendor-08/22/2025 <br> Ready for Review-Document Uploaded. - Seller-08/21/2025 <br> Counter-Received page 51-110 of XXXX IRA-please provide all pages-missing receipt of both IRA distributions. - Due Diligence Vendor-08/20/2025 <br> Ready for Review-Document Uploaded. - Seller-08/19/2025 <br> Counter-Received confirmation of 2 pensions. Missing statements from 3 IRAs from XXXX. (did not receive all pages). Missing receipt of XXXX and XXXX distributions. - Due Diligence Vendor-08/18/2025 <br> Ready for Review-Document Uploaded. see attched - Seller-08/15/2025 <br> Open-Missing income from final 1003 pensions for XXXX and XXXX which caused dti. - Due Diligence Vendor-08/14/2025 | Ready for Review-Document Uploaded. - Seller-08/25/2025 <br>Ready for Review-Document Uploaded. - Seller-08/21/2025 <br>Ready for Review-Document Uploaded. - Seller-08/19/2025 <br>Ready for Review-Document Uploaded. see attched - Seller-08/15/2025<br>| Resolved-Received confirmation to follow agency guidelines regarding pension receipt. - Due Diligence Vendor-08/27/2025<br>| On time mortgage history exceeds guideline requirement - 0x30 on time mortgage pay history.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 719 ; minimum score 660. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5173228 |
| XXXX | 720701 | XXXX D A | Closed | FCRE1193 | 2025-08-13 18:18 | 2025-08-18 15:48 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Received confirmation of IRA distributions. - Due Diligence Vendor-08/18/2025 <br> Ready for Review-Document Uploaded. - Seller-08/15/2025 <br> Open-Audited DTI of 84.2% exceeds Guideline DTI of 50% Missing 2 income lender did not provide regarding to pensions borrower received for XXXX and XXXX per final 1003 and 1008 was not provided. - Due Diligence Vendor-08/14/2025 | Ready for Review-Document Uploaded. - Seller-08/15/2025<br>| Resolved-Received confirmation of IRA distributions. - Due Diligence Vendor-08/18/2025<br>| On time mortgage history exceeds guideline requirement - 0x30 on time mortgage pay history.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 719 ; minimum score 660. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5170096 |
| XXXX | 720701 | XXXX D A | Closed | FPRO1253 | 2025-08-13 17:31 | 2025-08-18 15:29 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received secondary valuation. - Due Diligence Vendor-08/18/2025 <br> Ready for Review-Document Uploaded. cda - Seller-08/15/2025 <br> Open-only 1004 provided the CU and LCA was higher than 2.5 ; 1) Missing secondary valuation 2) and or Desk review and Property condition inspection. for loans less than XXXX - Due Diligence Vendor-08/13/2025 | Ready for Review-Document Uploaded. cda - Seller-08/15/2025<br>| Resolved-Received secondary valuation. - Due Diligence Vendor-08/18/2025<br>| On time mortgage history exceeds guideline requirement - 0x30 on time mortgage pay history.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 719 ; minimum score 660. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5169442 |
| XXXX | 720916 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 721122 | XXXX B A | Closed | FCRE1195 | 2025-08-25 15:12 | 2025-08-25 16:30 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Originator exception granted to allow a CLTV of 79.94% when the max is 75%. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-08/25/2025 <br>Open-Audited CLTV of 79.94% exceeds Guideline CLTV of 75%. Lender exception granted in file. - Due Diligence Vendor-08/25/2025 |  | Waived-Originator exception granted to allow a CLTV of 79.94% when the max is 75%. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-08/25/2025<br>| Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 36.36%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 720, borrowers mid score is 740 | FICO 20 + points above min.<br> DTI 5% + Below max. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 5306576 |
| XXXX | 721624 | XXXX D B A | Closed | FCRE6019 | 2025-08-14 12:27 | 2025-09-16 14:57 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Citizenship Documentation Not Provided | Waived-Originator provided a waiver back copy of the Permanent Resident card, applied to non material finding with comp factors - Due Diligence Vendor-09/16/2025 <br>Ready for Review-Document Uploaded. Please review attached - Seller-09/15/2025 <br>Counter-Received the front of the card only. Please provide the back. - Due Diligence Vendor-08/29/2025 <br>Ready for Review-Document Uploaded. please see attached - Seller-08/28/2025 <br>Open-Borrower Citizenship Documentation Is Missing - Citizenship Documentation Not Provided. Additionally, findings may apply upon receipt. - Due Diligence Vendor-08/14/2025 | Ready for Review-Document Uploaded. Please review attached - Seller-09/15/2025 <br>Ready for Review-Document Uploaded. please see attached - Seller-08/28/2025<br>| Waived-Originator provided a waiver back copy of the Permanent Resident card, applied to non material finding with comp factors - Due Diligence Vendor-09/16/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 809; guidelines require 720. <br>Months Reserves exceed minimum required - 53 months reserves; 0 months reserves required. | Originator provided a waiver "add finding, applied to non material finding with comp factors | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | No | 5179067 |
| XXXX | 723534 | XXXX C B A | Closed | finding-3634 | 2025-08-25 11:30 | 2025-09-11 14:36 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received COC for increase. - Due Diligence Vendor-09/11/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-09/09/2025 <br> Counter-Received CD dated XXXX with COC dated XXXX for rate lock extension. COC does not include reason for Mortgage Broker Fee increase and receipt date for CD XXXX is not provided. Finding countered. - Due Diligence Vendor-09/05/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-09/04/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Zero (0%) tolerance fees increased by XXXX (Broker Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 3 year- Expiration date is XXXX.<br> - Due Diligence Vendor-08/25/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-09/09/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-09/04/2025<br>| Resolved-Received COC for increase. - Due Diligence Vendor-09/11/2025<br>| Months Reserves exceed minimum required - 0 mths reserves req'd- Borrower has 33.48 mths in reserves <br>Qualifying DTI below maximum allowed - Max DTI allowed 50%- Borrower's DTI 2.48% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5301512 |
| XXXX | 723534 | XXXX C B A | Closed | finding-47 | 2025-08-25 11:30 | 2025-09-05 08:58 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD with disbursement date of XXXX. Finding resolved. - Due Diligence Vendor-09/05/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-09/04/2025 <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-08/25/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-09/04/2025<br>| Resolved-Received PCCD with disbursement date of XXXX. Finding resolved. - Due Diligence Vendor-09/05/2025 | Months Reserves exceed minimum required - 0 mths reserves req'd- Borrower has 33.48 mths in reserves <br>Qualifying DTI below maximum allowed - Max DTI allowed 50%- Borrower's DTI 2.48% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5301506 |
| XXXX | 723534 | XXXX C B A | Closed | FCRE1510 | 2025-08-25 12:08 | 2025-08-27 16:49 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Legal Description. - Due Diligence Vendor-08/27/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-08/25/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing legal description attached to the Deed of Trust.<br> - Due Diligence Vendor-08/25/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-08/25/2025<br>| Resolved-Received Legal Description. - Due Diligence Vendor-08/27/2025<br>| Months Reserves exceed minimum required - 0 mths reserves req'd- Borrower has 33.48 mths in reserves <br>Qualifying DTI below maximum allowed - Max DTI allowed 50%- Borrower's DTI 2.48% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5302358 |
| XXXX | 723534 | XXXX C B A | Closed | FCRE0113 | 2025-08-25 17:17 | 2025-08-25 17:39 | Waived | 2 - Non-Material C B | Credit | Eligibility | Property/Appraisal General (Credit) | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-08/25/2025 <br>Open-Exception in file to utilize an appraisal transferred 89 days since completion.<br> - Due Diligence Vendor-08/25/2025 |  | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-08/25/2025<br>| Months Reserves exceed minimum required - 0 mths reserves req'd- Borrower has 33.48 mths in reserves <br>Qualifying DTI below maximum allowed - Max DTI allowed 50%- Borrower's DTI 2.48% | 0x30 mortgage history 24months<br> DTI 5% below max<br> 4+ years in primary residence<br> 12 yrs on the job |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 5308911 |
| XXXX | 724188 | XXXX D A | Closed | FCRE7497 | 2025-08-15 15:48 | 2025-08-22 16:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received REO documentation. - Due Diligence Vendor-08/22/2025 <br> Ready for Review-Document Uploaded. - Seller-08/20/2025 <br> Counter-Statement for property XXXX provided. Please provide documentation for XXXX. - Due Diligence Vendor-08/19/2025 <br> Ready for Review-Document Uploaded. see attached XXXX mtg stmt verifying impounds & SFR w/ NO HOA - Seller-08/18/2025 <br> Open-Missing Mtg Stnt, T&I documents for property XXXX. Was not counted against DTI previously. - Due Diligence Vendor-08/18/2025 | Ready for Review-Document Uploaded. - Seller-08/20/2025 <br> Ready for Review-Document Uploaded. see attached XXXX stmt verifying impounds & SFR w/ NO HOA - Seller-08/18/2025 | Resolved-Received REO documentation. - Due Diligence Vendor-08/22/2025<br>| Qualifying DTI below maximum allowed - 40.33% DTI below max allowed of 50%<br>Months Reserves exceed minimum required - 23 mths reserves; 0 mths required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5198577 |
| XXXX | 724188 | XXXX D A | Closed | FCRE8888 | 2025-08-18 09:33 | 2025-08-20 17:29 | Resolved | 1 - Information C A | Credit | Eligibility | Missing First Mtg Note | Resolved-After further review, the guidelines indicate the 1st lien mortgage statement is acceptable. - Due Diligence Vendor-10/03/2025 <br>Ready for Review-Document Uploaded. mtg statement for 1st - Due Diligence Vendor-10/03/2025 <br>Open-Missing mortgage statement. - Due Diligence Vendor-10/03/2025 |  | Resolved-After further review, the guidelines indicate the 1st lien mortgage statement is acceptable. - Due Diligence Vendor-10/03/2025<br>| Qualifying DTI below maximum allowed - 40.33% DTI below max allowed of 50%<br>Months Reserves exceed minimum required - 23 mths reserves; 0 mths required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5209539 |
| XXXX | 724188 | XXXX D A | Closed | FCRE5782 | 2025-08-18 09:05 | 2025-08-19 17:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDN - Due Diligence Vendor-08/19/2025 <br>Ready for Review-Document Uploaded. gap credit - Seller-08/18/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-08/18/2025 | Ready for Review-Document Uploaded. gap credit - Seller-08/18/2025<br>| Resolved-Received UDN - Due Diligence Vendor-08/19/2025<br>| Qualifying DTI below maximum allowed - 40.33% DTI below max allowed of 50%<br>Months Reserves exceed minimum required - 23 mths reserves; 0 mths required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5209045 |
| XXXX | 724316 | XXXX D A | Closed | FPRO1242 | 2025-08-18 08:56 | 2025-10-03 09:36 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Received original AVM and XXXX Drive-by report. Lender used the lower AVM value for qualification. - Due Diligence Vendor-08/25/2025 <br> Ready for Review-Document Uploaded. Appraisal uploaded - Seller-08/22/2025 <br> Counter-Per the Desk Review in file, there was a full appraisal performed on XXXX - Due Diligence Vendor-08/21/2025 <br> Ready for Review-Document Uploaded. 2nds only require AVM and inspection report, uploaded AVM - Seller-08/20/2025 <br> Open-Appraisal is Missing Per the CDA, there was an appraisal performed on XXXX for XXXX from Appraiser XXXX, but no full appraisal was noted in the file. - Due Diligence Vendor-08/18/2025 | Ready for Review-Document Uploaded. Appraisal uploaded - Seller-08/22/2025 <br>Ready for Review-Document Uploaded. 2nds only require AVM and inspection report, uploaded AVM - Seller-08/20/2025<br>| Resolved-Received original AVM and XXXX Drive-by report. Lender used the lower AVM value for qualification. - Due Diligence Vendor-08/25/2025 | Qualifying FICO score is at least 20 points above minimum for program - 809 vs. min FICO 660<br>Months Reserves exceed minimum required - > 62 months available vs. 0 months required |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5208893 |
| XXXX | 724318 | XXXX D A | Closed | FCRE5782 | 2025-08-19 13:18 | 2025-08-21 11:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDN - Due Diligence Vendor-08/21/2025 <br>Ready for Review-Document Uploaded. Please see uploaded UDN. This was included in the original submission. - Seller-08/19/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-08/19/2025 | Ready for Review-Document Uploaded. Please see uploaded UDN. This was included in the original submission. - Seller-08/19/2025<br>| Resolved-Received UDN - Due Diligence Vendor-08/21/2025<br>| Months Reserves exceed minimum required - > 24 months available vs. 0 required<br>Qualifying DTI below maximum allowed - DTI 39% is below max allowable 50% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5235522 |
| XXXX | 725470 | XXXX D A C | Closed | FCRE0113 | 2025-08-27 16:34 | 2025-08-29 16:55 | Resolved | 1 - Information C A | Credit | Eligibility | Property/Appraisal General (Credit) | Resolved-Received confirmation public records reflect 1 bedroom. - Due Diligence Vendor-08/29/2025 <br>Ready for Review-Document Uploaded. Disagree, Please see Property profile shows public records legally as a 1 bedroom - Seller-08/28/2025 <br>Open-Appraiser state subject is a 1 bedroom, however according to the photo, the bedroom is a loft w/ no evidence of a closet. - Due Diligence Vendor-08/27/2025 | Ready for Review-Document Uploaded. Disagree, Please see Property profile shows public records legally as a 1 bedroom - Seller-08/28/2025<br>| Resolved-Received confirmation public records reflect 1 bedroom. - Due Diligence Vendor-08/29/2025<br>| CLTV is less than guidelines maximum - Lender max CLTV is 75%, subject property CLTV is 57.63%<br>Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 660, borrower FICO 711. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5339464 |
| XXXX | 725470 | XXXX D A C | Closed | FPRO1242 | 2025-08-25 16:06 | 2025-08-27 16:33 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Received Appraisal - Due Diligence Vendor-08/27/2025 <br> Ready for Review-Document Uploaded. Please see attached full Appraisal report - Seller-08/25/2025 <br> Open-Appraisal is Missing Provide complete full 1004 appraisal dated XXXX for review. Full appraisal required due to HPML on 2nd lien - Due Diligence Vendor-08/25/2025 | Ready for Review-Document Uploaded. Please see attached full Appraisal report - Seller-08/25/2025<br>| Resolved-Received Appraisal - Due Diligence Vendor-08/27/2025<br>| CLTV is less than guidelines maximum - Lender max CLTV is 75%, subject property CLTV is 57.63%<br>Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 660, borrower FICO 711. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5307683 |
| XXXX | 726014 | XXXX D A C | Closed | FPRO1253 | 2025-08-28 14:11 | 2025-09-03 14:52 | 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 2.2 - Due Diligence Vendor-09/03/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-08/29/2025 <br>Open-Missing secondary valuation - Due Diligence Vendor-08/28/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-08/29/2025<br>| Resolved-Received SSR with a CU score of 2.2 - Due Diligence Vendor-09/03/2025<br>| CLTV is less than guidelines maximum - Lender max CLTV 80%, subject CLTV 69.21%.<br>Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 660, borrower FICO 680. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5350853 |
| XXXX | 726014 | XXXX D A C | Closed | FPRO1242 | 2025-08-28 12:09 | 2025-09-03 14:51 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Received Appraisal. - Due Diligence Vendor-09/03/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-08/29/2025 <br>Open-Appraisal is Missing Provide missing full appraisal. Note: Loan is HPML- a full appraisal is required - Due Diligence Vendor-08/28/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-08/29/2025<br>| Resolved-Received Appraisal. - Due Diligence Vendor-09/03/2025<br>| CLTV is less than guidelines maximum - Lender max CLTV 80%, subject CLTV 69.21%.<br>Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 660, borrower FICO 680. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5348818 |
| XXXX | 726014 | XXXX D A C | Closed | finding-3634 | 2025-08-27 09:59 | 2025-09-03 09:12 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received PCCD dated XXXX. Finding resolved. - Due Diligence Vendor-09/03/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-09/02/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by XXXX (Wire Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 3 years- Expiration date is XXXX.<br> - Due Diligence Vendor-08/27/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-09/02/2025<br>| Resolved-Received PCCD dated XXXX. Finding resolved. - Due Diligence Vendor-09/03/2025 | CLTV is less than guidelines maximum - Lender max CLTV 80%, subject CLTV 69.21%.<br>Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 660, borrower FICO 680. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5331412 |
| XXXX | 726095 | XXXX D B C A | Closed | FCRE1440 | 2025-08-16 14:27 | 2025-08-27 17:51 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received confirmation payments for XXXX and XXXXon subject made. - Due Diligence Vendor-08/27/2025 <br> Ready for Review-Document Uploaded. see attached - Seller-08/25/2025 <br> Open-Housing History Does Not Meet Guideline Requirements. MIssing proof of mortgage payments for June and July for subject property. - Due Diligence Vendor-08/16/2025 | Ready for Review-Document Uploaded. see attached - Seller-08/25/2025<br>| Resolved-Received confirmation payments for June and July on subject made. - Due Diligence Vendor-08/27/2025<br>| Qualifying DTI below maximum allowed - 25.95% DTI below max allowed of 50%<br>Months Reserves exceed minimum required - 30.84 mos reserves; 0 required |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5203512 |
| XXXX | 726095 | XXXX D B C A | Closed | finding-3634 | 2025-08-14 12:14 | 2025-08-21 08:41 | Cured | 2 - Non-Material C B | Compliance | TRID | Charges That Cannot Increase Test | Cured-Received PCCD dated XXXX, LOE, evidence of delivery to the borrower, and refund check in the amount of XXXX with tracking. Finding cured. - Due Diligence Vendor-08/21/2025 <br> Ready for Review-Document Uploaded. - Seller-08/20/2025 <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 XXXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Zero (0%) tolerance fees increased by XXXX (Credit report fee) without a valid COC in file stating the reason for the increase. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 3 years, expiration date XXXX - Due Diligence Vendor-08/14/2025 | Ready for Review-Document Uploaded. - Seller-08/20/2025<br>| Cured-Received PCCD dated XXXX, LOE, evidence of delivery to the borrower, and refund check in the amount of XXXX with tracking. Finding cured. - Due Diligence Vendor-08/21/2025 | Qualifying DTI below maximum allowed - 25.95% DTI below max allowed of 50%<br>Months Reserves exceed minimum required - 30.84 mos reserves; 0 required |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5178851 |
| XXXX | 726095 | XXXX D B C A | Closed | FCOM1262 | 2025-08-14 11:53 | 2025-08-21 08:36 | Resolved | 1 - Information D A | Compliance | Missing Doc | Right of Rescission is Missing | Resolved-Received Right of Rescission, finding resolved. - Due Diligence Vendor-08/21/2025 <br>Ready for Review-Document Uploaded. - Seller-08/20/2025 <br>Open-Right of Rescission is Missing Missing Right of Rescisision for both borrower and non borrowing spouse. - Due Diligence Vendor-08/14/2025 | Ready for Review-Document Uploaded. - Seller-08/20/2025<br>| Resolved-Received Right of Rescission, finding resolved. - Due Diligence Vendor-08/21/2025<br>| Qualifying DTI below maximum allowed - 25.95% DTI below max allowed of 50%<br>Months Reserves exceed minimum required - 30.84 mos reserves; 0 required |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5178386 |
| XXXX | 728740 | XXXX D A | Closed | FCRE1165 | 2025-08-29 15:50 | 2025-09-03 19:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Insurance Policy Partially Provided | Resolved-Received Flood Insurance - Due Diligence Vendor-09/03/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-09/02/2025 <br>Open-Flood Insurance Policy Partially Provided Missing Flood Insurance policy. Only the "New Application Invoice" was provided. - Due Diligence Vendor-08/29/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-09/02/2025<br>| Resolved-Received Flood Insurance - Due Diligence Vendor-09/03/2025<br>| Qualifying DTI below maximum allowed - DTI is 22.39%, maximum allowed is 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 700 ; minimum score 660. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5366884 |
| XXXX | 728826 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 728827 | XXXX C A | Closed | FCRE0044 | 2025-08-20 12:56 | 2025-08-27 11:19 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received LOE. - Due Diligence Vendor-08/27/2025 <br>Ready for Review-Document Uploaded. See uploaded inquiries letter. - Seller-08/25/2025 <br>Open-LOX for credit inquiries is missing. Copy of the LOX for credit inquiries is missing. - Due Diligence Vendor-08/20/2025 | Ready for Review-Document Uploaded. See uploaded inquiries letter. - Seller-08/25/2025<br>| Resolved-Received LOE. - Due Diligence Vendor-08/27/2025<br>| Qualifying DTI below maximum allowed - DTI is 28.73% and max allowed is 50%<br>LTV is less than guideline maximum - LTV is 75% and max allowed is 80% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5251582 |
| XXXX | 728827 | XXXX C A | Closed | finding-47 | 2025-08-15 06:21 | 2025-08-25 08:36 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD dated XXXX with disbursement date of XXXX, which is after ROR expiration date. Finding resolved. - Due Diligence Vendor-08/25/2025 <br> Ready for Review-Document Uploaded. Please see uploaded PCCD. - Seller-08/21/2025 <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 XXXX. - Due Diligence Vendor-08/15/2025 | Ready for Review-Document Uploaded. Please see uploaded PCCD. - Seller-08/21/2025<br>| Resolved-Received PCCD dated XXXX with disbursement date of XXXX, which is after ROR expiration date. Finding resolved. - Due Diligence Vendor-08/25/2025 | Qualifying DTI below maximum allowed - DTI is 28.73% and max allowed is 50%<br>LTV is less than guideline maximum - LTV is 75% and max allowed is 80% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5189069 |
| XXXX | 728937 | XXXX D A | Closed | FCRE0200 | 2025-08-29 12:43 | 2025-09-04 09:47 | Resolved | 1 - Information C A | Credit | Debt | Missing proof of liability not disclosed on credit report | Resolved-Upon further review, the loan file contained all required liability documentation. - Due Diligence Vendor-09/04/2025 <br> Ready for Review-Disagree / Not valid, Lender treats timeshares as installment debts and are not actual mortgages... please see B3-6-05 Installment Debt section \*\*\*Note: A timeshare account should be treated as an installment debt regardless of how it is reported on the credit report or other documentation (that is, even if reported as a mortgage loan). - Seller-09/02/2025 <br> Open-1. Provide recent statement for XXXX, verifying amount and pay frequency of maintenance dues.<br>2. Provide recent statement for XXXX, verifying amount and pay frequency of maintenance dues.<br> - Due Diligence Vendor-08/29/2025 | Ready for Review-Disagree / Not valid, Lender treats timeshares as installment debts and are not actual mortgages... please see B3-6-05 Installment Debt section \*\*\*Note: A timeshare account should be treated as an installment debt regardless of how it is reported on the credit report or other documentation (that is, even if reported as a mortgage loan). - Seller-09/02/2025<br>| Resolved-Upon further review, the loan file contained all required liability documentation. - Due Diligence Vendor-09/04/2025<br>| Months Reserves exceed minimum required - 52.93 mos reserves; 0 required<br>Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 39.97% |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5363384 |
| XXXX | 728937 | XXXX D A | Closed | FCRE1764 | 2025-08-29 12:38 | 2025-09-04 09:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Verification of Mortgage | Resolved-Received final CD for XXXX purXXXX. - Due Diligence Vendor-09/04/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-09/02/2025 <br> Open-Property I: Provide docs to verify terms of new XXXX mortgage. - Due Diligence Vendor-08/29/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-09/02/2025<br>| Resolved-Received final CD for XXXX. - Due Diligence Vendor-09/04/2025 | Months Reserves exceed minimum required - 52.93 mos reserves; 0 required<br>Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 39.97% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5363318 |
| XXXX | 728937 | XXXX D A | Closed | FCRE7497 | 2025-08-29 13:12 | 2025-09-04 09:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received HOI for XXXX. - Due Diligence Vendor-09/04/2025 <br> Ready for Review-Document Uploaded. Please see pages 330-331 Condo HOI XXXX / $72.09monthly, Also attached anew - Seller-09/02/2025 <br> Open-Property XXXX: Provide docs to verify HOI/HO6 annual premium - Due Diligence Vendor-08/29/2025 | Ready for Review-Document Uploaded. Please see pages 330-331 Condo HOI XXXX/ XXXX monthly, Also attached anew - Seller-09/02/2025 | Resolved-Received HOI for XXXX. - Due Diligence Vendor-09/04/2025 | Months Reserves exceed minimum required - 52.93 mos reserves; 0 required<br>Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 39.97% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5363901 |
| XXXX | 730608 | XXXX D A | Closed | FCRE1316 | 2025-08-21 09:21 | 2025-08-27 11:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received VOE for Riverside, per originator, excluded New Life. - Due Diligence Vendor-08/27/2025 <br> Ready for Review-Document Uploaded. - Seller-08/26/2025 <br> Ready for Review-Document Uploaded. See uploaded amended 1003, XXXX income removed not being used. Uploaded VOE XXXX for County of XXXX witch was already included with credit file.. - Seller-08/26/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing VVOE for County of XXXX and XXXX - Due Diligence Vendor-08/21/2025 | Ready for Review-Document Uploaded. - Seller-08/26/2025 <br> Ready for Review-Document Uploaded. See uploaded amended 1003, XXXX income removed not being used. Uploaded VOE XXXX for County of XXXX witch was already included with credit file.. - Seller-08/26/2025 | Resolved-Received VOE for XXXX, per originator, excluded XXXX. - Due Diligence Vendor-08/27/2025 | Qualifying FICO score is at least 20 points above minimum for program - 711 vs. min FICO 680<br>CLTV is less than guidelines maximum - 85% CLTV is lower than max CLTV of 90% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5263009 |
| XXXX | 731111 | XXXX C A | Closed | FCRE1510 | 2025-08-28 10:11 | 2025-09-03 19:24 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received DOT w/Legal - Due Diligence Vendor-09/03/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-09/02/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing legal - Due Diligence Vendor-08/28/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-09/02/2025<br>| Resolved-Received DOT w/Legal - Due Diligence Vendor-09/03/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 720, borrowers FICO is 749<br>Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 32.74% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5345902 |
| XXXX | 731270 | XXXX D A C | Closed | FPRO1253 | 2025-09-02 10:23 | 2025-09-05 17:00 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received SSR with a CU score of 1 - Due Diligence Vendor-09/05/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-09/03/2025 <br>Open-Missing from uploaded documents - Due Diligence Vendor-09/02/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-09/03/2025<br>| Resolved-Received SSR with a CU score of 1 - Due Diligence Vendor-09/05/2025<br>| Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 39%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 720, borrowers mid score is 778 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5378053 |
| XXXX | 731270 | XXXX D A C | Closed | FPRO1242 | 2025-09-02 09:27 | 2025-09-05 16:59 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Received Appraisal - Due Diligence Vendor-09/05/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-09/03/2025 <br>Open-Appraisal is Missing - Due Diligence Vendor-09/02/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-09/03/2025<br>| Resolved-Received Appraisal - Due Diligence Vendor-09/05/2025<br>| Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 39%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 720, borrowers mid score is 778 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5377096 |
| XXXX | 731270 | XXXX D A C | Closed | FCRE1510 | 2025-09-02 09:11 | 2025-09-05 16:52 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Mortgage w/Legal. - Due Diligence Vendor-09/05/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-09/03/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Legal Description - Due Diligence Vendor-09/02/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-09/03/2025<br>| Resolved-Received Mortgage w/Legal. - Due Diligence Vendor-09/05/2025<br>| Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 39%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 720, borrowers mid score is 778 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5376844 |
| XXXX | 731886 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 731964 | XXXX D A | Closed | FCRE1164 | 2025-09-02 13:15 | 2025-09-04 14:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Insurance Policy Missing | Resolved-Received Flood Insurance Policy. - Due Diligence Vendor-09/04/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-09/03/2025 <br>Open-Missing Flood Insurance Policy Missing Flood Ins Docs - Due Diligence Vendor-09/02/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-09/03/2025<br>| Resolved-Received Flood Insurance Policy. - Due Diligence Vendor-09/04/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 749 <br>Months Reserves exceed minimum required - 46 mths reserves; 0 mths required. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5381585 |
| XXXX | 732461 | XXXX C A | Closed | FCRE1292 | 2025-08-21 17:00 | 2025-08-28 11:22 | Resolved | 1 - Information C A | Credit | Income/Employment | Income 1 Months Income Verified is Missing | Resolved-Received rent verification for XXXX and HOA verification for both properties. - Due Diligence Vendor-08/28/2025 <br> Ready for Review-Document Uploaded. The HOA bills for both investment properties were in the file and the HOA amounts were also reflected in the REO. $600 per month for 6470 XXXX Blvd and $30 per month for XXXX. We also have Annual Earnings Summaries from XXXX and XXXX showing rents received (uploaded here as well as already included in credit file), along with lease agreements and bank statements reflecting the rental earnings covering the most recent 14+ months. All these was included with credit file.. - Seller-08/27/2025 <br> Open-Income 1 Months Income Verified is Missing Property on XXXX. is missing the HOA dues and proper documentation to support the short-term rental history. Provide the HOA dues and a 1007 to support the payments received throughout the year. Please note that the DTI is not yet finalized and additional documentation and/or information may be required. - Due Diligence Vendor-08/21/2025 | Ready for Review-Document Uploaded. The HOA bills for both investment properties were in the file and the HOA amounts were also reflected in the REO. XXXX per month for XXXX and XXXX per month for XXXX. We also have Annual Earnings Summaries from XXXX and XXXXshowing rents received (uploaded here as well as already included in credit file), along with lease agreements and bank statements reflecting the rental earnings covering the most recent 14+ months. All these was included with credit file.. - Seller-08/27/2025 | Resolved-Received rent verification for Hollywood and HOA verification for both properties. - Due Diligence Vendor-08/28/2025<br>| CLTV is less than guidelines maximum - > 59% CLTV vs. max CLTV 80%<br>Months Reserves exceed minimum required - > 42 months vs. 0 required |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5273531 |
| XXXX | 732462 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 732485 | XXXX C A | Closed | finding-47 | 2025-08-28 19:08 | 2025-09-05 08:43 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD with disbursement date of XXXX. Finding resolved. - Due Diligence Vendor-09/05/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-09/04/2025 <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-08/28/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-09/04/2025<br>| Resolved-Received PCCD with disbursement date of XXXX. Finding resolved. - Due Diligence Vendor-09/05/2025 | Long term residence - In current home 3 years<br>Months Reserves exceed minimum required - 0 monthly reserves required, borrower has 38.60 documented |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5355621 |
| XXXX | 732494 | XXXX D A C | Closed | finding-3652 | 2025-08-28 21:26 | 2025-09-16 11:33 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Rec'd COC. - Due Diligence Vendor-09/16/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-09/15/2025 <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 (XXXX) does not exceed or equal the comparable sum of specific and non-specific lender credits (XXXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ---- Lender credit decreased from XXXX to XXXX without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is 08/12/2028.<br> - Due Diligence Vendor-08/29/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-09/15/2025<br>| Resolved-Rec'd COC. - Due Diligence Vendor-09/16/2025<br>| Months Reserves exceed minimum required - 0 months reserves required - borrower has 19.68 months reserves<br>CLTV is less than guidelines maximum - 70% CLTV max - loan has 41.54% CLTV |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5356272 |
| XXXX | 732494 | XXXX D A C | Closed | FCRE1502 | 2025-09-03 09:59 | 2025-09-08 09:47 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: Credit History was not Considered Properly | Resolved-Received Credit Report. - Due Diligence Vendor-09/08/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-09/04/2025 <br>Open-ATR: Credit History was not Considered Properly Missing credit report - Due Diligence Vendor-09/03/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-09/04/2025<br>| Resolved-Received Credit Report. - Due Diligence Vendor-09/08/2025<br>| Months Reserves exceed minimum required - 0 months reserves required - borrower has 19.68 months reserves<br>CLTV is less than guidelines maximum - 70% CLTV max - loan has 41.54% CLTV |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5392047 |
| XXXX | 732494 | XXXX D A C | Closed | FCRE1506 | 2025-09-03 09:59 | 2025-09-08 09:47 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received Credit Report. - Due Diligence Vendor-09/08/2025 <br>Ready for Review-Please see attached. - Seller-09/04/2025 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing credit report - Due Diligence Vendor-09/03/2025 | Ready for Review-Please see attached. - Seller-09/04/2025<br>| Resolved-Received Credit Report. - Due Diligence Vendor-09/08/2025<br>| Months Reserves exceed minimum required - 0 months reserves required - borrower has 19.68 months reserves<br>CLTV is less than guidelines maximum - 70% CLTV max - loan has 41.54% CLTV |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5392048 |
| XXXX | 732494 | XXXX D A C | Closed | FCRE5770 | 2025-09-02 16:12 | 2025-09-08 09:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Received Credit Report. - Due Diligence Vendor-09/08/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-09/04/2025 <br>Open-Borrower 1 Credit Report is Missing. - Due Diligence Vendor-09/02/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-09/04/2025<br>| Resolved-Received Credit Report. - Due Diligence Vendor-09/08/2025<br>| Months Reserves exceed minimum required - 0 months reserves required - borrower has 19.68 months reserves<br>CLTV is less than guidelines maximum - 70% CLTV max - loan has 41.54% CLTV |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5384929 |
| XXXX | 733046 | XXXX C A | Closed | finding-3634 | 2025-08-29 06:17 | 2025-09-15 12:41 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Rec'd PCCD issued XXXX. Fee was moved from Section B to Section A. Finding resolved. - Due Diligence Vendor-09/15/2025 <br> Ready for Review-Title - Redraw fee does not have a COC as the title fees were shopped for. See PCCD that moves it to section C, along with moving the XXXX mortgage Redraw fee to Section A as per 'new finding'<br>- Seller-09/11/2025 <br> Counter-Received COC for addition of re-draw fee on the XXXX CD however we do not have the COC for the title-redraw fee added onto the final CD XXXX. - Due Diligence Vendor-09/05/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-09/04/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by XXXX (Document Redraw Fee) without a valid COC in file. Final CD shows Lender credit of XXXX. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations is 3 years - XXXX. - Due Diligence Vendor-08/29/2025 | Ready for Review-Title - Redraw fee does not have a COC as the title fees were shopped for. See PCCD that moves it to section C, along with moving the XXXX mortgage Redraw fee to Section A as per 'new finding'<br>- Seller-09/11/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-09/04/2025 | Resolved-Rec'd PCCD issuedXXXX. Fee was moved from Section B to Section A. Finding resolved. - Due Diligence Vendor-09/15/2025 | Months Reserves exceed minimum required - 12 mths reserves; 0 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 730 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5357728 |
| XXXX | 733046 | XXXX C A | Closed | finding-3625 | 2025-09-05 12:35 | 2025-09-15 12:40 | 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. Fee was corrected on PCCD issued XXXX. - Due Diligence Vendor-09/15/2025 <br> Ready for Review-Document Uploaded. Title - Redraw fee does not have a COC as the title fees were shopped for. See PCCD that moves it to section C, along with moving the XXXX Redraw fee to Section A as per 'new finding'<br>- Seller-09/11/2025 <br> Open-\*\*NEW\*\*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.----(Document Re-Draw 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 XXXX date. - Due Diligence Vendor-09/05/2025 | Ready for Review-Document Uploaded. Title - Redraw fee does not have a COC as the title fees were shopped for. See PCCD that moves it to section C, along with moving the XXXX mortgage Redraw fee to Section A as per 'new finding'<br>- Seller-09/11/2025 | Resolved-Rec'd PCCD. Fee was corrected on PCCD issued XXXX. - Due Diligence Vendor-09/15/2025 | Months Reserves exceed minimum required - 12 mths reserves; 0 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 730 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5429961 |
| XXXX | 736024 | XXXX D B A | Closed | FCRE6546 | 2025-09-03 10:43 | 2025-09-08 17:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-Received 1st lien Note. - Due Diligence Vendor-09/08/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-09/04/2025 <br>Open-Missing original Note on subject property - Due Diligence Vendor-09/03/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-09/04/2025<br>| Resolved-Received 1st lien Note. - Due Diligence Vendor-09/08/2025<br>| Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 38.51%<br>Long term residence - At current residence for previous 4 years<br>Months Reserves exceed minimum required - 49.03 mos reserves; 0 required |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5393086 |
| XXXX | 736024 | XXXX D B A | Closed | FCRE1195 | 2025-09-03 10:40 | 2025-09-04 10:06 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-09/04/2025 <br>Open-Audited CLTV of 62.4% exceeds Guideline CLTV of 60% EXCEPTION REQUEST: to proceed at 62.5% CLTV - Due Diligence Vendor-09/03/2025 |  | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-09/04/2025<br>| Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 38.51%<br>Long term residence - At current residence for previous 4 years<br>Months Reserves exceed minimum required - 49.03 mos reserves; 0 required | DTI 10% below max.<br> 4+ years in primary residence<br> 5 yrs on the job |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 5393014 |
| XXXX | 737377 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 738097 | XXXX C A | Closed | FCRE6873 | 2025-09-04 10:11 | 2025-09-18 16:05 | Resolved | 1 - Information C A | Credit | Borrower | Fraud alert is present on the credit report | Resolved-Fraud cert. letter provided. - Due Diligence Vendor-09/18/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-09/16/2025 <br>Open-Missing confirmation with the Borrower regarding Fraud Alert on the Borrower's Credit Report. - Due Diligence Vendor-09/04/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-09/16/2025<br>| Resolved-Fraud cert. letter provided. - Due Diligence Vendor-09/18/2025<br>| Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI 39.32%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO score 720- Borrower has 763 FICO |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5408306 |
| XXXX | 738097 | XXXX C A | Closed | finding-3635 | 2025-09-02 19:18 | 2025-09-04 10:14 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved------Lender credit in the amount of XXXX was issued on CD 8.13.25 for increase in fees above legal limit. Resolved - Due Diligence Vendor-09/04/2025 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% (XXXX) exceed the comparable charges (XXXX) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). -----Lender credit in the amount of XXXX was issued on CD XXXX for increase in fees above legal limit. Resolved - Due Diligence Vendor-09/02/2025 |  | Resolved------Lender credit in the amount of XXXX was issued on CD XXXX for increase in fees above legal limit. Resolved - Due Diligence Vendor-09/04/2025 | Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI 39.32%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO score 720- Borrower has 763 FICO |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5387246 |
| XXXX | 739622 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 739623 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 739820 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | PurXXXX | NA |  |  |  |
| XXXX | 741095 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 741398 | XXXX D A | Closed | FPRO1255 | 2025-08-29 12:02 | 2025-09-04 16:39 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-Received HOA questionnaire. - Due Diligence Vendor-09/04/2025 <br>Ready for Review-Document Uploaded. - Seller-09/03/2025 <br>Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. - Due Diligence Vendor-08/29/2025 | Ready for Review-Document Uploaded. - Seller-09/03/2025<br>| Resolved-Received HOA questionnaire. - Due Diligence Vendor-09/04/2025<br>| CLTV is less than guidelines maximum - 69% vs. 80% CLTV max. <br>Months Reserves exceed minimum required - <22 months vs. 0 required<br>Qualifying FICO score is at least 20 points above minimum for program - 765 vs. min FICO 680 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5362733 |
| XXXX | 741957 | XXXX D A | Closed | FCRE1764 | 2025-09-08 13:54 | 2025-09-15 15:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Verification of Mortgage | Resolved-Received CD. - Due Diligence Vendor-09/15/2025 <br> Ready for Review-Document Uploaded. Final CD for closing of XXXX ln XXXX attached - Seller-09/12/2025 <br> Counter-Documentation was not attached. - Due Diligence Vendor-09/11/2025 <br> Ready for Review-Final CD for closing of XXXX ln XXXX attached - Seller-09/09/2025 <br> Open-Provide docs to verify the terms of the new XXXX 2nd on Property XXXX (Primary), and the payoff of Heloc 2nd (if applicable). - Due Diligence Vendor-09/08/2025 | Ready for Review-Document Uploaded. Final CD for closing of XXXX ln XXXX attached - Seller-09/12/2025 <br> Ready for Review-Final CD for closing of XXXX ln XXXX attached - Seller-09/09/2025 | Resolved-Received CD. - Due Diligence Vendor-09/15/2025<br>| Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 36.83%<br>Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 700, borrower FICO 757. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5453228 |
| XXXX | 741957 | XXXX D A | Closed | FCRE7347 | 2025-09-08 16:27 | 2025-09-11 17:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Removed income from the subject. - Due Diligence Vendor-09/11/2025 <br> Ready for Review-Document Uploaded. updated 1003/1008 reflecting subject rental income removed uploaded. please waive lease agreement finding - Seller-09/09/2025 <br> Open-It should be noted the subject lien is a second lien and the applicable guides do not address rental income requirements. However, per the lender's first lien guides,in all instances when utilizing rental income, 100% of the verified monthly rental income can be used. Borrowers using rental from investment properties not associated with the borrower's business may do so by providing an active current lease together with proof of rent payments received for the most recent 2 months. Per 1008, the negative cashflow for the subject property was calculated using 100% of the monthly rent reported on XXXX 1007 in file. However, a copy of the lease is missing from the loan file. - Due Diligence Vendor-09/08/2025 | Ready for Review-Document Uploaded. updated 1003/1008 reflecting subject rental income removed uploaded. please waive lease agreement finding - Seller-09/09/2025<br>| Resolved-Removed income from the subject. - Due Diligence Vendor-09/11/2025<br>| Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 36.83%<br>Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 700, borrower FICO 757. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5456723 |
| XXXX | 742028 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 742047 | XXXX C B A | Closed | FCRE1195 | 2025-09-09 11:45 | 2025-09-09 11:48 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow. Site/detached condo - Due Diligence Vendor-09/09/2025 <br>Open-Audited CLTV of 80% exceeds Guideline CLTV of 75% Exception in file to go to 80% CLTV<br> - Due Diligence Vendor-09/09/2025 |  | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow. Site/detached condo - Due Diligence Vendor-09/09/2025<br>| Qualifying DTI below maximum allowed - DTI of 34.21% is less than the maximum allowed per guidelines of 50%<br>Qualifying FICO score is at least 20 points above minimum for program - 734 FICO; 700 required<br>Months Reserves exceed minimum required - 25.02 mos reserves; 0 required<br>On time mortgage history exceeds guideline requirement - Credit report reflects on time mortgage history for last 43 months | DTI is over 5% below max allowed<br> Primary home for over 5+ years<br> Mortgage history 0x30 24months<br> 20 yrs on job |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 5467511 |
| XXXX | 743875 | XXXX D A | Closed | FCRE5782 | 2025-09-02 11:40 | 2025-09-04 17:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM. - Due Diligence Vendor-09/04/2025 <br>Ready for Review-Document Uploaded. - Seller-09/03/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Missing Gap Credit Report. - Due Diligence Vendor-09/02/2025 | Ready for Review-Document Uploaded. - Seller-09/03/2025<br>| Resolved-Received UDM. - Due Diligence Vendor-09/04/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - The Borrower FICO score is 781; guideline minimum 720<br>Months Reserves exceed minimum required - The Borrower has 62.22 months in reserves; no reserves required. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5379369 |
| XXXX | 744287 | XXXX C A | Closed | FVAL1039 | 2025-09-09 13:17 | 2025-09-12 13:32 | Resolved | 1 - Information C A | Property | Value | Appraised value unsupported | Resolved-Upon further review, there are two field report, one supports the value, the first supports the appraised value within 10% tolerance. - Due Diligence Vendor-09/12/2025 <br> Ready for Review-Also, even if there was a value of XXXX provided, the discrepancy is less than 10%, so we are ok to use appraised value for qualifying. Please waive this condition. - Seller-09/10/2025 <br> Ready for Review-Document Uploaded. Attached field review does not state any specific value but confirms that the value on appraisal report is supported based on field review. Please waive this condition or provide specific document reviewed that shows XXXX value - Seller-09/10/2025 <br> Open-Lower field review in file valued at XXXX, loan approved at value of XXXX at CLTV of 71% - Due Diligence Vendor-09/09/2025 | Ready for Review-Also, even if there was a value of XXXX provided, the discrepancy is less than 10%, so we are ok to use appraised value for qualifying. Please waive this condition. - Seller-09/10/2025 <br> Ready for Review-Document Uploaded. Attached field review does not state any specific value but confirms that the value on appraisal report is supported based on field review. Please waive this condition or provide specific document reviewed that shows XXXX value - Seller-09/10/2025 | Resolved-Upon further review, there are two field report, one supports the value, the first supports the appraised value within 10% tolerance. - Due Diligence Vendor-09/12/2025<br>| CLTV is less than guidelines maximum - Lender max CLTV 80%, subject CLTV 71.29%<br>Credit history exceeds minimum required - Borrower has timely credit reporting, with 0X30 mortgage history since 10/2021. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5469226 |
| XXXX | 744288 | XXXX C A | Closed | FCRE0177 | 2025-09-10 10:25 | 2025-10-03 15:36 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Third Party Market Rent Source | Resolved-After further review, no rental income was used to qualify. - Due Diligence Vendor-09/10/2025 <br>Open-Missing Third Party Market Rent Source - Due Diligence Vendor-09/10/2025 |  | Resolved-After further review, no rental income was used to qualify. - Due Diligence Vendor-09/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660 borrower mid score is 740<br>CLTV is less than guidelines maximum - 38.43% < 70% allowed |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5481673 |
| XXXX | 745364 | XXXX C A | Closed | finding-3634 | 2025-09-08 10:51 | 2025-09-09 15:11 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved------Lender Credit of XXXX for increase in closing costs above legal limit is sufficient. Finding resolved. - Due Diligence Vendor-09/09/2025 <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 XXXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Lender Credit of XXXX for increase in closing costs above legal limit is sufficient. Finding resolved. - Due Diligence Vendor-09/08/2025 |  | Resolved------Lender Credit of XXXX for increase in closing costs above legal limit is sufficient. Finding resolved. - Due Diligence Vendor-09/09/2025 | Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 38.25%.<br>CLTV is less than guidelines maximum - Lender max CLTV 80%, the subject CLTV is 67.29%. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5448182 |
| XXXX | 745384 | XXXX C B A | Closed | FCRE3333 | 2025-09-09 14:55 | 2025-09-09 15:56 | 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, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-09/09/2025 <br>Open-Subject property was listed for sale within a time period not allowed per guidelines EXCEPTION REQUEST remove ltv overlay (≤ 6 months seasoning since previous refinance on 1st lien) - Due Diligence Vendor-09/09/2025 |  | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-09/09/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 720, borrowers mid score is 781<br>Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 10.31% | -781 FICO (over 20 points of requirement)<br> - DTI 5% of requirement<br> -14 yrs on the job |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 5471388 |
| XXXX | 745560 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 745689 | XXXX C A | Closed | FCOM3605 | 2025-09-02 07:55 | 2025-09-05 12:16 | Resolved | 1 - Information C A | Compliance | TRID | TRID: CD not delivered at least 3 days prior to consummation | Resolved-Received Initial CD issued XXXX with document tracking showing electronic receipt by borrower same-day. Finding resolved. - Due Diligence Vendor-09/05/2025 <br> Ready for Review-Document Uploaded. - Seller-09/04/2025 <br> Open-Missing initial CD acknowledged by borrower a minimum of 3 days prior to consummation. Additional findings may apply upon receipt. Statute of Limitations 3 years- Expiration date is XXXX. - Due Diligence Vendor-09/02/2025 | Ready for Review-Document Uploaded. - Seller-09/04/2025<br>| Resolved-Received Initial CD issued XXXX with document tracking showing electronic receipt by borrower same-day. Finding resolved. - Due Diligence Vendor-09/05/2025 | On time mortgage history exceeds guideline requirement - Mortgage reported for 67 months, no late payments. <br>CLTV is less than guidelines maximum - Qualifying CLTV 63.888 is less than the guideline max of 90.<br>Qualifying FICO score is at least 20 points above minimum for program - 729 qualifying FICO score, 680 minimum score required. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5376035 |
| XXXX | 745867 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 745883 | XXXX D A | Closed | FCRE7497 | 2025-09-10 09:44 | 2025-09-12 14:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received payment confirmation for Solar and HOI verification for XXXX. - Due Diligence Vendor-09/12/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-09/10/2025 <br> Open-1. Missing the Sun Run documentation XXXX payment for subject<br> 2. Missing HOI for XXXX and the rental income. - Due Diligence Vendor-09/10/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-09/10/2025<br>| Resolved-Received payment confirmation for Solar and HOI verification for XXXX. - Due Diligence Vendor-09/12/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660- Borrower's FICO 757 <br>CLTV is less than guidelines maximum - Max CLTV 70%- Borrower's CLTV 21% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5480620 |
| XXXX | 745883 | XXXX D A | Closed | FCRE1964 | 2025-09-10 09:46 | 2025-09-12 13:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved-Per lender removed income from property XXXX. - Due Diligence Vendor-09/12/2025 <br> Ready for Review-Document Uploaded. Please see attached removed rental income from REO XXXX and ratios still qualify - Seller-09/10/2025 <br> Open- Missing lease and two month proof of rents received for REO XXXX. - Due Diligence Vendor-09/10/2025 | Ready for Review-Document Uploaded. Please see attached removed rental income from REO XXXX and ratios still qualify - Seller-09/10/2025 | Resolved-Per lender removed income from property XXXX. - Due Diligence Vendor-09/12/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660- Borrower's FICO 757 <br>CLTV is less than guidelines maximum - Max CLTV 70%- Borrower's CLTV 21% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5480657 |
| XXXX | 746862 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 747181 | XXXX C A | Closed | FCRE2244 | 2025-09-10 10:11 | 2025-09-12 14:06 | Resolved | 1 - Information C A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-Upon further review, the appraiser commented regarding window latch release. - Due Diligence Vendor-09/12/2025 <br>Ready for Review-Document Uploaded. Please see page 454, appraisal report already has verbiage. Also, see attached - Seller-09/10/2025 <br>Open-Property Issues are identified for the property All windows have bars, appraisal is missing comment that windows have latch release mechanisms inside. - Due Diligence Vendor-09/10/2025 | Ready for Review-Document Uploaded. Please see page 454, appraisal report already has verbiage. Also, see attached - Seller-09/10/2025<br>| Resolved-Upon further review, the appraiser commented regarding window latch release. - Due Diligence Vendor-09/12/2025<br>| On time mortgage history exceeds guideline requirement - 0x30x48<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700, borrowers mid score is 760 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5481083 |
| XXXX | 749072 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 749395 | XXXX D B A | Closed | FVAL8946 | 2025-09-04 14:41 | 2025-09-16 10:28 | Waived | 2 - Non-Material D B | Credit | Missing Doc - Credit | Missing Appraisal | Waived-Originator waiver applied to non material finding with compensating factors. Exception to accept a XXXX in lieu of an AVM and PCI. - Due Diligence Vendor-09/16/2025 <br> Ready for Review-Document Uploaded. - Seller-09/15/2025 <br> Counter-Please provide AVM referenced in lender exception email. - Due Diligence Vendor-09/15/2025 <br> Ready for Review-Document Uploaded. Peer XXXX the XXXX supercedes any AVM. Please review email and clear condition - Seller-09/12/2025 <br> Counter-Please provide a secondary valuation product to support exterior value. - Due Diligence Vendor-09/12/2025 <br> Ready for Review-Document Uploaded. - Seller-09/11/2025 <br> Open-As per Guides, AVM & Property Condition Inspection (exterior inspection) required. Missing AVM or appraisal. Only exterior inspection (Form XXXX) received - Due Diligence Vendor-09/04/2025 | Ready for Review-Document Uploaded. - Seller-09/15/2025 <br> Ready for Review-Document Uploaded. Peer XXXX the XXXXsupercedes any AVM. Please review email and clear condition - Seller-09/12/2025 <br> Ready for Review-Document Uploaded. - Seller-09/11/2025 | Waived-Originator waiver applied to non material finding with compensating factors. Exception to accept a XXXX in lieu of an AVM and PCI. - Due Diligence Vendor-09/16/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700, Bwr FICO 786<br>Months Reserves exceed minimum required - 81 mths reserves; 0 mths required. | Experienced investor<br> 81 months of reserves <br> 786 fico | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 5415038 |
| XXXX | 749395 | XXXX D B A | Closed | FCRE1440 | 2025-09-04 11:14 | 2025-09-12 16:29 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received Statement. - Due Diligence Vendor-09/12/2025 <br> Ready for Review-Document Uploaded. see attached mtg statement - Seller-09/10/2025 <br> Counter- Missing mortgage statement on subject's 1st lien. Must be within 60 days - Due Diligence Vendor-09/09/2025 <br> Ready for Review-Document Uploaded. - Seller-09/08/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Missing mortgage statement on subject's 1st lien. Must be within 60 days - Due Diligence Vendor-09/04/2025 | Ready for Review-Document Uploaded. see attached mtg statement - Seller-09/10/2025 <br>Ready for Review-Document Uploaded. - Seller-09/08/2025<br>| Resolved-Received Statement. - Due Diligence Vendor-09/12/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700, Bwr FICO 786<br>Months Reserves exceed minimum required - 81 mths reserves; 0 mths required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5409881 |
| XXXX | 749395 | XXXX D B A | Closed | FCRE7497 | 2025-09-04 11:11 | 2025-09-09 17:10 | 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-09/09/2025 <br> Ready for Review-Document Uploaded. - Seller-09/08/2025 <br> Open-Missing docs for REO's: For Property XXXX:-mortgage statement, taxes, HOI, HOA, if applicable; For Property XXXX- mortgage statement, taxes, HOI, HOA, if applicable; For Property XXXX-Missing mortgage statement - Due Diligence Vendor-09/04/2025 | Ready for Review-Document Uploaded. - Seller-09/08/2025<br>| Resolved-Received PITIA validation. - Due Diligence Vendor-09/09/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700, Bwr FICO 786<br>Months Reserves exceed minimum required - 81 mths reserves; 0 mths required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5409801 |
| XXXX | 750570 | XXXX D A C | Closed | FPRO1242 | 2025-09-11 08:27 | 2025-09-16 17:01 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Received Appraisal with Operating Income Statement. - Due Diligence Vendor-09/16/2025 <br> Ready for Review-Document Uploaded. Appraisal was part of original submission and reuploaded. Please waive finding - Seller-09/13/2025 <br> Open-Appraisal is Missing Provide missing Full Appraisal w. Market Rents (Operating Income Statement), dated XXXX - Due Diligence Vendor-09/11/2025 | Ready for Review-Document Uploaded. Appraisal was part of original submission and reuploaded. Please waive finding - Seller-09/13/2025<br>| Resolved-Received Appraisal with Operating Income Statement. - Due Diligence Vendor-09/16/2025<br>| CLTV is less than guidelines maximum - Lender max CLTV is 70%, subject CLTV is 54.95%.<br>Credit history exceeds minimum required - Borrower has timely credit reporting since 2006, with 0X30 mortgage history since 2007. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5497139 |
| XXXX | 750570 | XXXX D A C | Closed | FCRE0140 | 2025-09-11 13:05 | 2025-09-16 16:50 | Resolved | 1 - Information C A | Credit | Eligibility | DSCR loan does not meet program guidelines | Resolved-Received Prelim report and 1003 reflecting XXXX as property lien. - Due Diligence Vendor-09/16/2025 <br> Ready for Review-Document Uploaded. Prelim was already uploaded and reflects ucc for XXXX. Updated 1003 tying lien to property uploaded also. Please waive finding. - Seller-09/13/2025 <br> Open-Verification that the XXXX Finance installment debt paid off at closing was for business purpose and not personal use is required. - Due Diligence Vendor-09/11/2025 | Ready for Review-Document Uploaded. Prelim was already uploaded and reflects ucc for XXXX. Updated 1003 tying lien to property uploaded also. Please waive finding. - Seller-09/13/2025 | Resolved-Received Prelim report and 1003 reflecting Foundation Finance as property lien. - Due Diligence Vendor-09/16/2025<br>| CLTV is less than guidelines maximum - Lender max CLTV is 70%, subject CLTV is 54.95%.<br>Credit history exceeds minimum required - Borrower has timely credit reporting since 2006, with 0X30 mortgage history since 2007. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5503541 |
| XXXX | 750887 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 751134 | XXXX D A | Closed | FCOM1352 | 2025-09-04 17:31 | 2025-10-03 08:50 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-After further review, the business purpose affidavit is not required on this program. - Due Diligence Vendor-09/05/2025 <br>Open-The Business Purpose Affidavit Disclosure is Missing Missing Business Purpose Affidavit Disclosure - Due Diligence Vendor-09/05/2025 |  | Resolved-After further review, the business purpose affidavit is not required on this program. - Due Diligence Vendor-09/05/2025<br>| Months Reserves exceed minimum required - >30 months available vs. 0 months required<br>Qualifying FICO score is at least 20 points above minimum for program - 730 vs. min FICO 700 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5418152 |
| XXXX | 752289 | XXXX D A | Closed | FCRE5782 | 2025-09-08 09:36 | 2025-09-10 15:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM - Due Diligence Vendor-09/10/2025 <br>Ready for Review-Document Uploaded. - Seller-09/09/2025 <br>Open-Borrower 1 Gap Credit Report is Missing. A gap credit or Undisclosed Debt Monitoring report is required no more than 10 days prior to loan closing or anytime after closing. - Due Diligence Vendor-09/08/2025 | Ready for Review-Document Uploaded. - Seller-09/09/2025<br>| Resolved-Received UDM - Due Diligence Vendor-09/10/2025<br>| CLTV is less than guidelines maximum - LTV is 43.72% and max allowed is 85%<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 773 and minimum allowed is 680 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5446531 |
| XXXX | 752289 | XXXX D A | Closed | FCRE5783 | 2025-09-08 09:36 | 2025-09-10 15:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Received UDM - Due Diligence Vendor-09/10/2025 <br>Ready for Review-Document Uploaded. - Seller-09/09/2025 <br>Open-Borrower 2 Gap Credit Report is Missing. A gap credit or Undisclosed Debt Monitoring report is required no more than 10 days prior to loan closing or anytime after closing. - Due Diligence Vendor-09/08/2025 | Ready for Review-Document Uploaded. - Seller-09/09/2025<br>| Resolved-Received UDM - Due Diligence Vendor-09/10/2025<br>| CLTV is less than guidelines maximum - LTV is 43.72% and max allowed is 85%<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 773 and minimum allowed is 680 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5446532 |
| XXXX | 752544 | XXXX D A | Closed | FCRE7497 | 2025-09-08 08:40 | 2025-09-09 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 Note for XXXX 2nd Lien. - Due Diligence Vendor-09/09/2025 <br> Ready for Review-Document Uploaded. Copy of Note for loan XXXX uploaded - Seller-09/08/2025 <br> Open-Missing the note for the new 2nd lien amount for REO XXXX. Concurrent closing. - Due Diligence Vendor-09/08/2025 | Ready for Review-Document Uploaded. Copy of Note for loan XXXX uploaded - Seller-09/08/2025 | Resolved-Received Note for XXXX 2nd Lien. - Due Diligence Vendor-09/09/2025 | CLTV is less than guidelines maximum - 69% vs. mx LTV 75%<br>Qualifying FICO score is at least 20 points above minimum for program - 755 vs. min FICO 680 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5445822 |
| XXXX | 752545 | XXXX D A | Closed | FCRE7497 | 2025-09-08 08:57 | 2025-09-10 12:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received Note. - Due Diligence Vendor-09/10/2025 <br> Ready for Review-Document Uploaded. Copy of Note for REO XXXX uploaded - Seller-09/09/2025 <br> Open-Missing documentation to support the new 2nd lien for REO XXXX - Due Diligence Vendor-09/08/2025 | Ready for Review-Document Uploaded. Copy of Note for REO XXXX uploaded - Seller-09/09/2025 | Resolved-Received Note. - Due Diligence Vendor-09/10/2025<br>| CLTV is less than guidelines maximum - CLTV 67% vs. max CLTV 75%<br>Months Reserves exceed minimum required - > 39 months available vs. 0 months required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5445993 |
| XXXX | 752657 | XXXX C A | Closed | finding-47 | 2025-09-12 13:10 | 2025-09-19 09:20 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD XXXX, disbursement date XXXX. Finding resolved. - Due Diligence Vendor-09/19/2025 <br> Ready for Review-Document Uploaded. See PCCD issued XXXX - Seller-09/17/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Provide PCCD with disbursement date after the ROR expiration date. - Due Diligence Vendor-09/12/2025 | Ready for Review-Document Uploaded. See PCCD issued XXXX - Seller-09/17/2025 | Resolved-Received PCCD XXXX, disbursement date XXXX. Finding resolved. - Due Diligence Vendor-09/19/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700, borrowers mid score is 729<br>Months Reserves exceed minimum required - 0 reserves required, borrower has 72.49 documented |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5518872 |
| XXXX | 758253 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 758254 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 758368 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 758404 | XXXX C A | Closed | FCRE0179 | 2025-09-17 13:51 | 2025-09-19 14:51 | Resolved | 1 - Information C A | Credit | Eligibility | UW Attestation/Docs stating warrantability are missing | Resolved-UW Attestation provided. - Due Diligence Vendor-09/19/2025 <br>Ready for Review-Document Uploaded. - Seller-09/18/2025 <br>Open-Missing UW Attestation - Due Diligence Vendor-09/17/2025 | Ready for Review-Document Uploaded. - Seller-09/18/2025<br>| Resolved-UW Attestation provided. - Due Diligence Vendor-09/19/2025<br>| CLTV is less than guidelines maximum - Max CLTV is 80%, borrowers CLTV is 60.73%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680, borrowers mid score is 809 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5573106 |
| XXXX | 759178 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 759187 | XXXX D A C | Closed | FCRE5782 | 2025-09-11 05:45 | 2025-09-15 17:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-09/15/2025 <br>Ready for Review-Document Uploaded. - Seller-09/12/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Gap Credit is missing and not reflected on Fraud Report. - Due Diligence Vendor-09/11/2025 | Ready for Review-Document Uploaded. - Seller-09/12/2025<br>| Resolved-Received Gap Report. - Due Diligence Vendor-09/15/2025<br>| Months Reserves exceed minimum required - Months reserves required is 0; qualifying reserves is 51.89 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680; qualifying FICO is 784. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5495896 |
| XXXX | 759187 | XXXX D A C | Closed | FCOM3605 | 2025-09-10 17:07 | 2025-09-15 09:30 | Resolved | 1 - Information C A | Compliance | TRID | TRID: CD not delivered at least 3 days prior to consummation | Resolved-Rec'd Initial CD issued XXXX. Finding resolved. - Due Diligence Vendor-09/15/2025 <br> Ready for Review-Document Uploaded. - Seller-09/12/2025 <br> Open-Missing initial CD acknowledged by borrower a minimum of 3 days prior to consummation date of XXXX. Additional findings may apply upon receipt. Statute of Limitations 3 years- Expiration date is XXXX. - Due Diligence Vendor-09/10/2025 | Ready for Review-Document Uploaded. - Seller-09/12/2025<br>| Resolved-Rec'd Initial CD issued XXXX. Finding resolved. - Due Diligence Vendor-09/15/2025 | Months Reserves exceed minimum required - Months reserves required is 0; qualifying reserves is 51.89 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680; qualifying FICO is 784. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5492118 |
| XXXX | 759372 | XXXX D A | Closed | FCRE5782 | 2025-09-11 10:11 | 2025-09-18 10:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM. - Due Diligence Vendor-09/18/2025 <br>Ready for Review-Document Uploaded. - Seller-09/16/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Gap Credit Report is missing and not reflected on Fraud. - Due Diligence Vendor-09/11/2025 | Ready for Review-Document Uploaded. - Seller-09/16/2025<br>| Resolved-Received UDM. - Due Diligence Vendor-09/18/2025<br>| Months Reserves exceed minimum required - Months reserves required is 0; qualifying reserves is 49.6 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 720; qualifying FICO is 770. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5498732 |
| XXXX | 759372 | XXXX D A | Closed | FCRE5783 | 2025-09-11 10:11 | 2025-09-18 10:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Received UDM. - Due Diligence Vendor-09/18/2025 <br>Ready for Review-Document Uploaded. - Seller-09/16/2025 <br>Open-Borrower 2 Gap Credit Report is Missing Gap Credit Report is missing and not reflected on Fraud. - Due Diligence Vendor-09/11/2025 | Ready for Review-Document Uploaded. - Seller-09/16/2025<br>| Resolved-Received UDM. - Due Diligence Vendor-09/18/2025<br>| Months Reserves exceed minimum required - Months reserves required is 0; qualifying reserves is 49.6 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 720; qualifying FICO is 770. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5498733 |
| XXXX | 761954 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 762466 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 763312 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |

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## Exhibit 99.2

[VISTA POINT ASSETS LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.2 - Schedule 4**

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| | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Original Loan Amount** | **Initial Credit Loan Grades Moody's** | **Initial Compliance Loan Grades Moody's** | **Initial Property Loan Grades DBRS** | **Initial Property Loan Grades Kroll** | **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 DBRS** | **Final Property Loan Grades Kroll** | **Final Property Loan Grades Moody's** | **Final Overall Loan Grades Moody's** |
| XXXX | 694839 | XXXX | XXXX D | N/A D | N/A D | N/A | N/A | N/A C D | N/A D | N/A | N/A | N/A | N/A | N/A C | N/A C |
| XXXX | 741398 | XXXX | XXXX D | N/A D | N/A | A | A | N/A D | N/A D | N/A | N/A | A | A | N/A | N/A |
| XXXX | 761954 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 759178 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 752289 | XXXX | XXXX D | N/A D | N/A | N/A | N/A | N/A C D | N/A D | N/A | N/A | N/A | N/A | N/A C | N/A C |
| XXXX | 745689 | XXXX | XXXX A | N/A C | N/A C | N/A | N/A | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A C | N/A C |
| XXXX | 758368 | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A C | N/A C |
| XXXX | 759187 | XXXX | XXXX D | N/A D C | N/A C | A | A | N/A D | N/A D | N/A | N/A | A | A | N/A | N/A |
| XXXX | 759372 | XXXX | XXXX D | N/A D | N/A | N/A | N/A | N/A C D | N/A D | N/A | N/A | N/A | N/A | N/A C | N/A C |
| XXXX | 684151 | XXXX | XXXX D | N/A D | N/A | A | A | N/A D | N/A D | N/A | N/A | A | A | N/A | N/A |
| XXXX | 721624 | XXXX | XXXX D | N/A D | N/A | A | A | N/A D | N/A D B | N/A B | N/A | A | A | N/A B | N/A B |
| XXXX | 651120 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 607187 | XXXX | XXXX D | N/A D | N/A | A | A | N/A D | N/A D | N/A | N/A | A | A | N/A | N/A |
| XXXX | 665874 | XXXX | XXXX C | N/A C | N/A | A | A | N/A C | N/A C B | N/A B | N/A | A | A | N/A B | N/A B |
| XXXX | 724188 | XXXX | XXXX D | N/A D | N/A | A | A | N/A D | N/A D | N/A | N/A | A | A | N/A | N/A |
| XXXX | 684482 | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A C | N/A C |
| XXXX | 704829 | XXXX | XXXX C | N/A C | N/A | A | A | N/A C | N/A C | N/A | N/A | A | A | N/A | N/A |
| XXXX | 745883 | XXXX | XXXX D | N/A D | N/A | A | A | N/A D | N/A D | N/A | N/A | A | A | N/A | N/A |
| XXXX | 741957 | XXXX | XXXX D | N/A D | N/A | A | A | N/A D | N/A D | N/A | N/A | A | A | N/A | N/A |
| XXXX | 696424 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 733046 | XXXX | XXXX A | N/A C | N/A C | A | A | N/A C | N/A C | N/A | N/A | A | A | N/A | N/A |
| XXXX | 720264 | XXXX | XXXX C | N/A C | N/A | A | A | N/A C | N/A C B | N/A B | N/A | A | A | N/A B | N/A B |
| XXXX | 723534 | XXXX | XXXX C | N/A C | N/A C | A | A | N/A C | N/A C B | N/A B | N/A | A | A | N/A B | N/A B |
| XXXX | 726014 | XXXX | XXXX A | N/A C | N/A C | D | D | N/A D | N/A D | N/A | N/A | A | A | N/A | N/A |
| XXXX | 664648 | XXXX | XXXX D | N/A D | N/A | A | A | N/A D | N/A D B | N/A B | N/A | A | A | N/A B | N/A B |
| XXXX | 676029 | XXXX | XXXX C | N/A C | N/A | A | A | N/A C | N/A C | N/A | N/A | A | A | N/A | N/A |
| XXXX | 677664 | XXXX | XXXX D | N/A D | N/A | A | A | N/A D | N/A D | N/A | N/A | A | A | N/A | N/A |
| XXXX | 664683 | XXXX | XXXX C | N/A C | N/A | A | A | N/A C | N/A C B | N/A B | N/A | A | A | N/A B | N/A B |
| XXXX | 677591 | XXXX | XXXX D | N/A D | N/A | A | A | N/A D | N/A D | N/A | N/A | A | A | N/A | N/A |
| XXXX | 680950 | XXXX | XXXX A | N/A B | N/A B | N/A | N/A | N/A C B | N/A C | N/A B | N/A B | N/A | N/A | N/A C B | N/A C |
| XXXX | 669912 | XXXX | XXXX D | N/A D | N/A | A | A | N/A D | N/A D | N/A | N/A | A | A | N/A | N/A |
| XXXX | 659852 | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A C | N/A C |
| XXXX | 705798 | XXXX | XXXX D | N/A D | N/A | D | D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A C | N/A C |
| XXXX | 667662 | XXXX | XXXX D | N/A D B | N/A B | A | A | N/A D | N/A D | N/A B | N/A B | A | A | N/A B | N/A B |
| XXXX | 742047 | XXXX | XXXX C | N/A C | N/A | A | A | N/A C | N/A C B | N/A B | N/A | A | A | N/A B | N/A B |
| XXXX | 705542 | XXXX | XXXX D | N/A D | N/A | A | A | N/A D | N/A D | N/A | N/A | A | A | N/A | N/A |
| XXXX | 732494 | XXXX | XXXX D | N/A D C | N/A C | A | A | N/A D | N/A D | N/A | N/A | A | A | N/A | N/A |
| XXXX | 676059 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 705122 | XXXX | XXXX C | N/A C | N/A C | N/A | N/A | N/A C | N/A C B | N/A B | N/A | N/A | N/A | N/A C B | N/A C |
| XXXX | 697378 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 677637 | XXXX | XXXX D | N/A D | N/A | A | A | N/A D | N/A D B | N/A B | N/A | A | A | N/A B | N/A B |
| XXXX | 715575 | XXXX | XXXX C | N/A C | N/A | A | A | N/A C | N/A C B | N/A B | N/A | A | A | N/A B | N/A B |
| XXXX | 692342 | XXXX | XXXX C | N/A C | N/A | A | A | N/A C | N/A C | N/A | N/A | A | A | N/A | N/A |
| XXXX | 697681 | XXXX | XXXX C | N/A C | N/A C | A | A | N/A C | N/A C | N/A | N/A | A | A | N/A | N/A |
| XXXX | 677587 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 692359 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 697717 | XXXX | XXXX B | N/A B C | N/A C | A | A | N/A C | N/A C B | N/A B | N/A | A | A | N/A B | N/A B |
| XXXX | 704985 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 684056 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 712618 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 700314 | XXXX | XXXX D | N/A D | N/A | A | A | N/A D | N/A D B | N/A B | N/A | A | A | N/A B | N/A B |
| XXXX | 692379 | XXXX | XXXX D | N/A D | N/A | A | A | N/A D | N/A D | N/A | N/A | A | A | N/A | N/A |
| XXXX | 700317 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 721122 | XXXX | XXXX B | N/A B | N/A | A | A | N/A B | N/A B | N/A B | N/A | A | A | N/A B | N/A B |
| XXXX | 714254 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 692770 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 694329 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 703603 | XXXX | XXXX C | N/A C | N/A | A | A | N/A C | N/A C | N/A | N/A | A | A | N/A | N/A |
| XXXX | 749072 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 697729 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 700368 | XXXX | XXXX D | N/A D | N/A | A | A | N/A D | N/A D | N/A | N/A | A | A | N/A | N/A |
| XXXX | 705689 | XXXX | XXXX A | N/A C | N/A C | A | A | N/A C | N/A C | N/A | N/A | A | A | N/A | N/A |
| XXXX | 715527 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 720301 | XXXX | XXXX C | N/A C | N/A | N/A | N/A | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A C | N/A C |
| XXXX | 700365 | XXXX | XXXX C | N/A C | N/A | A | A | N/A C | N/A C | N/A | N/A | A | A | N/A | N/A |
| XXXX | 699136 | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A C | N/A C |
| XXXX | 715484 | XXXX | XXXX C | N/A C | N/A C | A | A | N/A C | N/A C | N/A | N/A | A | A | N/A | N/A |
| XXXX | 705497 | XXXX | XXXX A | N/A D | N/A D | A | A | N/A D | N/A D | N/A | N/A | A | A | N/A | N/A |
| XXXX | 667704 | XXXX | XXXX C | N/A C B | N/A B | A | A | N/A C | N/A C | N/A B | N/A B | A | A | N/A B | N/A B |
| XXXX | 665449 | XXXX | XXXX D | N/A D | N/A D | A | A | N/A D | N/A D | N/A B | N/A B | A | A | N/A B | N/A B |
| XXXX | 671705 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 699814 | XXXX | XXXX D | N/A D C | N/A C | A | A | N/A D | N/A D | N/A | N/A | A | A | N/A | N/A |
| XXXX | 695198 | XXXX | XXXX C | N/A C | N/A C | A | A | N/A C | N/A C | N/A | N/A | A | A | N/A | N/A |
| XXXX | 707687 | XXXX | XXXX A | N/A C | N/A C | A | A | N/A C | N/A C | N/A | N/A | A | A | N/A | N/A |
| XXXX | 726095 | XXXX | XXXX C | N/A C D | N/A D | A | A | N/A D | N/A D | N/A B | N/A B | A | A | N/A B | N/A B |
| XXXX | 700704 | XXXX | XXXX C | N/A C | N/A | A | A | N/A C | N/A C B | N/A B | N/A | A | A | N/A B | N/A B |
| XXXX | 746862 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 712152 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 747181 | XXXX | XXXX C | N/A C | N/A | A | A | N/A C | N/A C | N/A | N/A | A | A | N/A | N/A |
| XXXX | 714507 | XXXX | XXXX D | N/A D C | N/A C | A | A | N/A D | N/A D | N/A | N/A | A | A | N/A | N/A |
| XXXX | 705741 | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A C | N/A C |
| XXXX | 712335 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 716189 | XXXX | XXXX D | N/A D | N/A | A | A | N/A D | N/A D | N/A | N/A | A | A | N/A | N/A |
| XXXX | 731270 | XXXX | XXXX C | N/A C | N/A | D | D | N/A D | N/A D | N/A | N/A | A | A | N/A | N/A |
| XXXX | 736024 | XXXX | XXXX D | N/A D | N/A | A | A | N/A D | N/A D B | N/A B | N/A | A | A | N/A B | N/A B |
| XXXX | 732485 | XXXX | XXXX A | N/A C | N/A C | A | A | N/A C | N/A C | N/A | N/A | A | A | N/A | N/A |
| XXXX | 714925 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 715248 | XXXX | XXXX D | N/A D | N/A | N/A | N/A | N/A C D | N/A D B | N/A B | N/A | N/A | N/A | N/A C B | N/A C |
| XXXX | 738097 | XXXX | XXXX C | N/A C | N/A C | A | A | N/A C | N/A C | N/A | N/A | A | A | N/A | N/A |
| XXXX | 763312 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 725470 | XXXX | XXXX C | N/A C | N/A | D | D | N/A D | N/A D | N/A | N/A | A | A | N/A | N/A |
| XXXX | 731964 | XXXX | XXXX D | N/A D | N/A | A | A | N/A D | N/A D | N/A | N/A | A | A | N/A | N/A |
| XXXX | 744288 | XXXX | XXXX C | N/A C | N/A | A | A | N/A C | N/A C | N/A | N/A | A | A | N/A | N/A |
| XXXX | 731111 | XXXX | XXXX C | N/A C | N/A | A | A | N/A C | N/A C | N/A | N/A | A | A | N/A | N/A |
| XXXX | 728740 | XXXX | XXXX D | N/A D | N/A | A | A | N/A D | N/A D | N/A | N/A | A | A | N/A | N/A |
| XXXX | 745867 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 742028 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 731886 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 728937 | XXXX | XXXX D | N/A D | N/A | N/A | N/A | N/A C D | N/A D | N/A | N/A | N/A | N/A | N/A C | N/A C |
| XXXX | 750570 | XXXX | XXXX C | N/A C | N/A | D | D | N/A D | N/A D | N/A | N/A | A | A | N/A | N/A |
| XXXX | 739820 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 752657 | XXXX | XXXX A | N/A C | N/A C | A | A | N/A C | N/A C | N/A | N/A | A | A | N/A | N/A |
| XXXX | 750887 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 744287 | XXXX | XXXX A | N/A | N/A | C | C | N/A C | N/A C | N/A | N/A | A | A | N/A | N/A |
| XXXX | 720701 | XXXX | XXXX D | N/A D | N/A | D | D | N/A D | N/A D | N/A | N/A | A | A | N/A | N/A |
| XXXX | 698160 | XXXX | XXXX A | N/A | N/A | D | D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A C | N/A C |
| XXXX | 743875 | XXXX | XXXX D | N/A D | N/A | N/A | N/A | N/A C D | N/A D | N/A | N/A | N/A | N/A | N/A C | N/A C |
| XXXX | 749395 | XXXX | XXXX D | N/A D | N/A | N/A | N/A | N/A C D | N/A D B | N/A B | N/A | N/A | N/A | N/A C B | N/A C |
| XXXX | 745384 | XXXX | XXXX C | N/A C | N/A | A | A | N/A C | N/A C B | N/A B | N/A | A | A | N/A B | N/A B |
| XXXX | 745364 | XXXX | XXXX A | N/A C | N/A C | A | A | N/A C | N/A C | N/A | N/A | A | A | N/A | N/A |
| XXXX | 758404 | XXXX | XXXX C | N/A C | N/A | N/A | N/A | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A C | N/A C |
| XXXX | 762466 | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A C | N/A C |
| XXXX | 679138 | XXXX | XXXX D | N/A D | N/A | D | D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A C | N/A C |
| XXXX | 667636 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 673244 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 640140 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 646358 | XXXX | XXXX A | N/A C | N/A C | A | A | N/A C | N/A C | N/A | N/A | A | A | N/A | N/A |
| XXXX | 648336 | XXXX | XXXX A | N/A C | N/A C | A | A | N/A C | N/A C | N/A B | N/A B | A | A | N/A B | N/A B |
| XXXX | 635237 | XXXX | XXXX C | N/A C | N/A C | A | A | N/A C | N/A C B | N/A B | N/A | A | A | N/A B | N/A B |
| XXXX | 630824 | XXXX | XXXX D | N/A D | N/A D | N/A | N/A | N/A C D | N/A D B | N/A B | N/A | N/A | N/A | N/A C B | N/A C |
| XXXX | 623877 | XXXX | XXXX C | N/A C | N/A | A | A | N/A C | N/A C | N/A | N/A | A | A | N/A | N/A |
| XXXX | 657004 | XXXX | XXXX D | N/A D | N/A | A | A | N/A D | N/A D B | N/A B | N/A | A | A | N/A B | N/A B |
| XXXX | 640139 | XXXX | XXXX C | N/A C | N/A | N/A | N/A | N/A C | N/A C B | N/A B | N/A | N/A | N/A | N/A C B | N/A C |
| XXXX | 667637 | XXXX | XXXX C | N/A C | N/A | A | A | N/A C | N/A C | N/A | N/A | A | A | N/A | N/A |
| XXXX | 658053 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 651874 | XXXX | XXXX A | N/A B | N/A B | A | A | N/A B | N/A B | N/A B | N/A B | A | A | N/A B | N/A B |
| XXXX | 670103 | XXXX | XXXX C | N/A C | N/A C | N/A | N/A | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A C | N/A C |
| XXXX | 681138 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 662541 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 670105 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 701013 | XXXX | XXXX D | N/A D C | N/A C | N/A | N/A | N/A C D | N/A D B | N/A B | N/A | N/A | N/A | N/A C B | N/A C |
| XXXX | 657003 | XXXX | XXXX C | N/A C | N/A | A | A | N/A C | N/A C B | N/A B | N/A | A | A | N/A B | N/A B |
| XXXX | 670102 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 653830 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 679570 | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A C | N/A C |
| XXXX | 636622 | XXXX | XXXX A | N/A C | N/A C | A | A | N/A C | N/A C | N/A B | N/A B | A | A | N/A B | N/A B |
| XXXX | 658052 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 670104 | XXXX | XXXX C | N/A C | N/A | N/A | N/A | N/A C | N/A C B | N/A B | N/A | N/A | N/A | N/A C B | N/A C |
| XXXX | 657005 | XXXX | XXXX C | N/A C | N/A | A | A | N/A C | N/A C | N/A | N/A | A | A | N/A | N/A |
| XXXX | 685079 | XXXX | XXXX C | N/A C | N/A | N/A | N/A | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A C | N/A C |
| XXXX | 683334 | XXXX | XXXX D | N/A D | N/A | A | A | N/A D | N/A D | N/A | N/A | A | A | N/A | N/A |
| XXXX | 716477 | XXXX | XXXX D | N/A D | N/A | N/A | N/A | N/A C D | N/A D B | N/A B | N/A | N/A | N/A | N/A C B | N/A C |
| XXXX | 689868 | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A C | N/A C |
| XXXX | 679569 | XXXX | XXXX D | N/A D | N/A | A | A | N/A D | N/A D | N/A | N/A | A | A | N/A | N/A |
| XXXX | 707929 | XXXX | XXXX C | N/A C | N/A C | N/A | N/A | N/A C | N/A C | N/A B | N/A B | N/A | N/A | N/A C B | N/A C |
| XXXX | 698141 | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A C | N/A C |
| XXXX | 758254 | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A C | N/A C |
| XXXX | 745560 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 689867 | XXXX | XXXX A | N/A C | N/A C | A | A | N/A C | N/A C | N/A | N/A | A | A | N/A | N/A |
| XXXX | 715325 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 732462 | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A C | N/A C |
| XXXX | 715326 | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A C | N/A C |
| XXXX | 724318 | XXXX | XXXX D | N/A D | N/A | A | A | N/A D | N/A D | N/A | N/A | A | A | N/A | N/A |
| XXXX | 693664 | XXXX | XXXX D | N/A D | N/A | A | A | N/A D | N/A D | N/A | N/A | A | A | N/A | N/A |
| XXXX | 715324 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 730608 | XXXX | XXXX D | N/A D | N/A | A | A | N/A D | N/A D | N/A | N/A | A | A | N/A | N/A |
| XXXX | 728826 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 707928 | XXXX | XXXX D | N/A D | N/A | A | A | N/A D | N/A D | N/A | N/A | A | A | N/A | N/A |
| XXXX | 732461 | XXXX | XXXX C | N/A C | N/A | A | A | N/A C | N/A C | N/A | N/A | A | A | N/A | N/A |
| XXXX | 739623 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 741095 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 724316 | XXXX | XXXX A | N/A | N/A | D | D | N/A D | N/A D | N/A | N/A | A | A | N/A | N/A |
| XXXX | 720916 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 737377 | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A C | N/A C |
| XXXX | 739622 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 728827 | XXXX | XXXX C | N/A C | N/A C | N/A | N/A | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A C | N/A C |
| XXXX | 758253 | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A C | N/A C |
| XXXX | 752544 | XXXX | XXXX D | N/A D | N/A | A | A | N/A D | N/A D | N/A | N/A | A | A | N/A | N/A |
| XXXX | 752545 | XXXX | XXXX D | N/A D | N/A | A | A | N/A D | N/A D | N/A | N/A | A | A | N/A | N/A |
| XXXX | 751134 | XXXX | XXXX D | N/A D | N/A | A | A | N/A D | N/A D | N/A | N/A | A | A | N/A | N/A |
| XXXX | 703579 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 682385 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 640887 | XXXX | XXXX C | N/A C D | N/A D | A | A | N/A D | N/A D | N/A B | N/A B | A | A | N/A B | N/A B |
| XXXX | 668271 | XXXX | XXXX A | N/A D | N/A D | A | A | N/A D | N/A D | N/A B | N/A B | A | A | N/A B | N/A B |
| XXXX | 689996 | XXXX | XXXX C | N/A C | N/A | A | A | N/A C | N/A C B | N/A B | N/A | A | A | N/A B | N/A B |
| XXXX | 643019 | XXXX | XXXX D | N/A D | N/A | A | A | N/A D | N/A D | N/A | N/A | A | A | N/A | N/A |
| XXXX | 667284 | XXXX | XXXX D | N/A D B | N/A B | A | A | N/A D | N/A D | N/A B | N/A B | A | A | N/A B | N/A B |
| XXXX | 694277 | XXXX | XXXX D | N/A D | N/A | A | A | N/A D | N/A D | N/A | N/A | A | A | N/A | N/A |

---

## Exhibit 99.2

[VISTA POINT ASSETS LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.2 - Schedule 5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Default Interest Rate** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Questionnaire Flag** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Borrower Months of Paystubs Verified** | **Co Borrower Months of Paystubs Verified** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Borrower Award/Offer Letter** | **Co Borrower Award/Offer Letter** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **Borrower CPA Letter Flag** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower WVOE Flag** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower WVOE Flag** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Co Borrower 2 FICO** | **Most Recent Co Borrower 3 FICO** | **Updated Credit Report Flag** | **Updated Credit Report Date** | **Updated FICO Method** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Updated Primary Borrower FICO** | **Updated Co Borrower FICO** | **Updated Co Borrower 2 FICO** | **Updated Co Borrower 3 FICO** | **Updated Qualifying FICO** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Lates 30d in 0-12m** | **Prior Mortgage/Rent Lates 60d in 0-12m** | **Prior Mortgage/Rent Lates 90d in 0-12m** | **Prior Mortgage/Rent Lates 120d+ in 0-12m** | **Prior Mortgage/Rent Lates 30d in 13-24m** | **Prior Mortgage/Rent Lates 60d in 13-24m** | **Prior Mortgage/Rent Lates 90d in 13-24m** | **Prior Mortgage/Rent Lates 120d+ in 13-24m** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Subordinate Lien Max Draw Amount (HELOC)** | **Subordinate Lien 2 Type** | **Subordinate Lien 2 Max Draw Amount (HELOC)** | **Subordinate Lien 3 Type** | **Subordinate Lien 3 Max Draw Amount (HELOC)** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Leasehold Lease Expiration Date** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves (ASF)** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **E-Note Flag** | **O&E in lieu of Title Insurance** | **Business Purpose Flag** | **Borrower Note Executed As** | **Co Borrower Note Executed As** | **Co Borrower 2 Note Executed As** | **Co Borrower 3 Note Executed As** | **Borrower 1 Trust Name** | **Borrower 2 Trust Name** | **Borrower 3 Trust Name** | **Borrower 4 Trust Name** |
| XXXX | 607187 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/11/2025 | 1 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 995 | 04/21/2025 | 6.810% |  |  | No | 10.706% |  | 10.500% |  | $2286.85 | No |  | $14004.72 | $1167.06 | $2263.56 | $188.63 | $1584.00 | $132.00 | $4098.23 | $7872.77 | $9757.47 | N/A | XXXX | XX | $132.00 | 06/01/2025 | Monthly | 0.00% | 47.27% | 47.27% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | 1 Month |  | N/A | 0 |  |  | 1 | 0 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - 2024, 2025 | Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 03/03/2025 | 03/03/2025 |  |  |  | 771 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 227091.12 | 28.9 | No | 84.38 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 623877 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 03/11/2025 | 8 | XXXX | QM: Average Prime Offer Rate (APOR) | Yes | No | No | N/A | N/A | 2474 | 05/05/2025 | 6.340% |  |  | No | 8.837% |  | 8.250% |  | $852.07 | No |  | $5859.48 | $488.29 | $1245.96 | $103.83 | $0.00 | $0.00 | $2144.29 | $3588.48 | $4256.66 | N/A |  |  | $0.00 |  |  | 0.00% | 45.74% | 45.74% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 04/07/2025 | 04/07/2025 |  |  |  | 799 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 518.72 | 0.1 | 63249.86 | 17.6 | No | 64.2 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 630824 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 03/11/2025 | 8 | XXXX | QM: Average Prime Offer Rate (APOR) | Yes | No | No | N/A | N/A | 2594 | 05/05/2025 | 6.740% |  |  | No | 8.342% |  | 8.000% |  | $807.14 | No |  | $2403.00 | $200.25 | $1827.96 | $152.33 | $0.00 | $0.00 | $1113.78 | $2273.50 | $4394.76 | N/A |  |  | $0.00 |  |  | 0.00% | 36.23% | 36.23% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Missing | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 04/03/2025 | 04/03/2025 |  |  |  | 796 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 98179.88 | 43.2 | No | 43.86 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| XXXX | 635237 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 03/11/2025 | 8 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 9394 | 05/12/2025 | 6.800% |  |  | No | 9.776% |  | 9.375% |  | $2495.25 | No |  | $8385.12 | $698.76 | $1755.12 | $146.26 | $0.00 | $0.00 | $2246.50 | $5586.77 | $38508.34 | N/A |  |  | $0.00 |  |  | 0.00% | 14.64% | 14.64% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 252 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 03/19/2025 | 03/19/2025 |  |  |  | 689 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 5625.37 | 1 | 287257.17 | 51.4 | No | 56.43 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| XXXX | 636622 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 03/11/2025 | 8 | XXXX | QM: Average Prime Offer Rate (APOR) | Yes | No | No | N/A | N/A | 13499 | 05/19/2025 | 6.870% |  |  | No | 8.443% |  | 8.125% |  | $3712.49 | No |  | $8531.16 | $710.93 | $4040.16 | $336.68 | $4608.00 | $384.00 | $3953.21 | $9097.31 | $36047.54 | N/A | XXXX | XX | $384.00 | 06/01/2025 | Monthly | 0.00% | 26.83% | 26.83% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 48 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 04/29/2025 | 04/29/2025 |  |  |  | 791 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 33536.57 | 3.7 | 354526.44 | 39 | No | 58.06 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| XXXX | 640139 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 03/11/2025 | 8 | XXXX | QM: Average Prime Offer Rate (APOR) | Yes | No | No | N/A | N/A | 1892.75 | 05/19/2025 | 6.870% |  |  | No | 9.763% |  | 9.500% |  | $1051.07 | No |  | $7962.48 | $663.54 | $1533.00 | $127.75 | $5720.04 | $476.67 | $1963.75 | $4282.78 | $4686.50 | Yes | XXXX | XX | $476.67 |  | Monthly | 0.00% | 49.76% | 49.76% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2023, 2024, 2025 | Borrower - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 04/24/2025 | 04/24/2025 |  |  |  | 689 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 8487.81 | 2 | 8487.81 | 2 | No | 41.4 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| XXXX | 640140 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 03/11/2025 | 8 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 7999 | 05/12/2025 | 6.800% |  |  | No | 10.371% |  | 10.000% |  | $3071.50 | No |  | $15477.12 | $1289.76 | $1862.04 | $155.17 | $0.00 | $0.00 | $3074.62 | $7591.05 | $38995.99 | N/A |  |  | $0.00 |  |  | 0.00% | 23.39% | 23.39% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 90.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 202 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Other REO Net Rental Income(Loss), SEPartnership - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 04/04/2025 | 04/04/2025 |  |  |  | 677 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 15361.56 | 2 | 15361.56 | 2 | No | 59.41 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| XXXX | 640887 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 9 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 10340 | 05/19/2025 | 6.870% |  |  | No | 10.509% |  | 10.250% |  | $4659.73 | No |  | $38197.80 | $3183.15 | $28520.40 | $2376.70 | $3900.00 | $325.00 | $6092.00 | $16636.58 | $18629.42 | N/A | XXXX | XX | $325.00 |  | Monthly | 0.00% | 48.01% | 48.01% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 360 | 24 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, SSI and Disability - Written VOE Verified, 2 YRS Executed 4506T Verified - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 04/03/2025 | 04/03/2025 |  |  |  | 689 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 6445.78 | 0.4 | 11771.26 | 0.7 | No | 41.2 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| XXXX | 643019 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 9.250% |  | $5232.22 | No |  | $13918.56 | $1159.88 | $3689.16 | $307.43 | $0.00 | $0.00 | $2718.82 | $9418.35 | $107064.05 | N/A |  |  | $0.00 |  |  | 0.00% | 9.95% | 9.95% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 \|\| Co Borrower | XXXX | XXXX | XX | XXXX | XXXX | 05/14/2025 | 05/14/2025 | 05/14/2025 |  |  | 776 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 628003.50 | 66.7 | No | 63.88 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 646358 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 03/11/2025 | 8 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 2349 | 05/19/2025 | 6.870% |  |  | No | 10.930% |  | 10.250% |  | $806.49 | No |  | $5907.24 | $492.27 | $2703.84 | $225.32 | $780.00 | $65.00 | $2392.02 | $3981.10 | $13876.57 | N/A | XXXX | XX | $65.00 |  | Monthly | 0.00% | 33.07% | 33.07% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 37 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 04/01/2025 | 04/01/2025 |  |  |  | 751 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 79.96 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 648336 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 9 | XXXX | QM: Average Prime Offer Rate (APOR) | Yes | No | No | N/A | N/A | 7374 | 05/19/2025 | 6.870% |  |  | No | 8.971% |  | 8.750% |  | $3343.48 | No |  | $9457.92 | $788.16 | $2991.96 | $249.33 | $0.00 | $0.00 | $2231.85 | $6612.82 | $19400.75 | N/A |  |  | $0.00 |  |  | 0.00% | 34.56% | 34.56% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 40 | 27 | Other | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Overtime and Bonus, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - 2022, 2023, 2024 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified - 2023, 2024 | Borrower - 3 YRS Executed 4506T Verified - 2022, 2023, 2024 \|\| Co Borrower - 3 YRS Executed 4506T Verified - 2023, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 04/07/2025 | 04/07/2025 | 04/07/2025 |  |  | 728 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 73.44 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 651120 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 2 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 4945 | 06/02/2025 | 6.920% |  |  | No | 12.293% |  | 11.750% |  | $1594.87 | No |  | $11323.92 | $943.66 | $513.00 | $42.75 | $0.00 | $0.00 | $3611.93 | $6193.21 | $40024.46 | N/A |  |  | $0.00 |  |  | 0.00% | 13.64% | 13.64% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 360 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 05/29/2025 | 05/29/2025 |  |  |  | 688 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 152270.10 | 24.6 | No | 12.15 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 651874 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 9 | XXXX | QM: Average Prime Offer Rate (APOR) | Yes | No | No | N/A | N/A | 12999 | 06/02/2025 | 6.920% |  |  | No | 9.605% |  | 9.375% |  | $6238.12 | No |  | $3801.60 | $316.80 | $12897.00 | $1074.75 | $0.00 | $0.00 | $6308.37 | $13938.04 | $20469.16 | N/A |  |  | $0.00 |  |  | 0.00% | 46.47% | 46.47% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 04/02/2025 | 04/02/2025 |  |  |  | 709 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 220405.03 | 15.8 | No | 46.71 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 653830 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 9.250% |  | $4113.38 | No |  | $10992.84 | $916.07 | $2909.88 | $242.49 | $0.00 | $0.00 | $3954.34 | $9226.28 | $65744.09 | N/A |  |  | $0.00 |  |  | 0.00% | 43.17% | 43.17% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 95 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower | Borrower - 2024, 2025 \|\| Co Borrower | XXXX | XXXX | XX | XXXX | XXXX | 05/06/2025 | 05/06/2025 | 05/06/2025 |  |  | 743 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 484520.36 | 52.5 | No | 62.89 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 657003 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 10.000% |  | $1007.39 | No |  | $1381.44 | $115.12 | $1040.04 | $86.67 | $440.04 | $36.67 | $1526.17 | $2772.02 | $45091.06 | N/A | XXXX | XX | $36.67 |  | Annually | 0.00% | 27.26% | 27.26% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 03/11/2025 | 03/11/2025 |  |  |  | 747 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 19378.94 | 7 | 19378.94 | 7 | No | 80 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 657004 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 10.000% |  | $772.54 | No |  | $836.52 | $69.71 | $1545.00 | $128.75 | $0.00 | $0.00 | $1260.50 | $2231.50 | $114737.47 | N/A |  |  | $0.00 |  |  | 0.00% | 12.85% | 12.85% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 03/11/2025 | 03/11/2025 |  |  |  | 747 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 19378.94 | 8.7 | 19378.94 | 8.7 | No | 79.51 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 657005 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 9.750% |  | $1288.73 | No |  | $2848.32 | $237.36 | $1512.60 | $126.05 | $0.00 | $0.00 | $1444.35 | $3096.49 | $27355.31 | N/A |  |  | $0.00 |  |  | 0.00% | 49.95% | 49.95% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 04/10/2025 | 04/10/2025 |  |  |  | 722 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 132207.02 | 42.7 | No | 67.78 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 658052 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 9 | XXXX | QM: Average Prime Offer Rate (APOR) | Yes | No | No | N/A | N/A | 4799 | 06/02/2025 | 6.920% |  |  | No | 9.101% |  | 8.875% |  | $2386.92 | No |  | $11252.88 | $937.74 | $3866.04 | $322.17 | $1500.00 | $125.00 | $2943.42 | $6715.25 | $40679.57 | N/A | XXXX | XX | $125.00 | 07/01/2025 | Monthly | 0.00% | 19.89% | 19.89% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 50.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SEPartnership, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 05/12/2025 | 05/12/2025 |  |  |  | 774 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 67.98 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 658053 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 9 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 12940.5 | 05/19/2025 | 6.870% |  |  | No | 10.321% |  | 9.875% |  | $3638.38 | No |  | $10537.08 | $878.09 | $2391.12 | $199.26 | $0.00 | $0.00 | $3381.98 | $8097.71 | $31187.08 | N/A |  |  | $0.00 |  |  | 0.00% | 31.87% | 31.87% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 15 | CPA |  |  |  | Yes | 180 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, Lease Agreements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 05/06/2025 | 05/06/2025 |  |  |  | 696 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 232542.76 | 28.7 | No | 64.53 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 659852 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 9 | XXXX | QM: Verified Safe Harbor (VSH) | Yes | No | Yes | Option 3 - Underwritten to Proprietary Lender Guidelines | N/A | 3831 | 06/02/2025 | 6.920% |  |  | No | 9.166% |  | 8.500% |  | $768.91 | No |  | $2845.08 | $237.09 | $1310.04 | $109.17 | $0.00 | $0.00 | $824.51 | $1939.68 | $5845.32 | N/A |  |  | $0.00 |  |  | 0.00% | 27.12% | 27.12% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 05/21/2025 | 05/21/2025 |  |  |  | 779 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 79876.33 | 41.2 | No | 61.87 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 662541 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 9 | XXXX | QM: Average Prime Offer Rate (APOR) | Yes | No | No | N/A | N/A | 5149 | 05/26/2025 | 6.930% |  |  | No | 9.782% |  | 9.375% |  | $1663.50 | No |  | $6975.96 | $581.33 | $1872.96 | $156.08 | $0.00 | $0.00 | $2401.52 | $4802.43 | $7237.35 | N/A |  |  | $0.00 |  |  | 0.00% | 40.30% | 40.30% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 05/04/2025 | 05/04/2025 |  |  |  | 714 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 72.28 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 664648 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 2 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 9.750% |  | $3569.44 | No |  | $13074.36 | $1089.53 | $3758.04 | $313.17 | $0.00 | $0.00 | $4761.50 | $9733.64 | $146305.50 | N/A |  |  | $0.00 |  |  | 0.00% | 39.24% | 39.24% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 50.00% | 50.00% |  | Third-Party Prepared (Unaudited) | 12 | CPA | Third-Party Prepared (Unaudited) | CPA | 12 | Yes | 100 | Yes | 100 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SEPartnership, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - 2024, 2025 \|\| Co Borrower - SEPartnership - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 03/25/2025 | 03/25/2025 | 03/25/2025 |  |  | 767 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 70 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 664683 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 2 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 9.875% |  | $1953.78 | No |  | $13405.20 | $1117.10 | $2256.00 | $188.00 | $0.00 | $0.00 | $5328.00 | $8586.88 | $149447.53 | N/A |  |  | $0.00 |  |  | 0.00% | 37.93% | 37.93% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 50.00% | 50.00% |  | Third-Party Prepared (Unaudited) | 12 | CPA | Third-Party Prepared (Unaudited) | CPA | 12 | Yes | 24 | Yes | 24 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SECorporation, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - 2024, 2025 \|\| Co Borrower - SECorporation - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 03/25/2025 | 03/25/2025 | 03/25/2025 |  |  | 767 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 213850.77 | 24.9 | No | 75 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 665449 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 9 | XXXX | QM: Average Prime Offer Rate (APOR) | Yes | No | No | N/A | N/A | 11195 | 06/16/2025 | 6.890% |  |  | No | 8.921% |  | 8.625% |  | $3966.73 | No |  | $19666.80 | $1638.90 | $1661.04 | $138.42 | $4140.00 | $345.00 | $3176.42 | $9265.47 | $28499.49 | N/A | XXXX | XX | $345.00 |  | Monthly | 0.00% | 33.06% | 33.06% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 25.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 106 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 06/04/2025 | 06/04/2025 |  |  |  | 702 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 497046.74 | 53.7 | No | 48.22 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 665874 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 2 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 12.000% |  | $1506.92 | No |  | $3378.84 | $281.57 | $1265.04 | $105.42 | $6504.00 | $542.00 | $695.98 | $3131.89 |  | Yes | XXXX | XX | $542.00 |  | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.006 | 1.005 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 04/21/2025 | 04/21/2025 |  |  |  | 684 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 138134.70 | 44.1 | No | 59.94 | Yes | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| XXXX | 667284 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 9 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 6186.25 | 06/16/2025 | 6.890% |  |  | No | 11.456% |  | 11.125% |  | $2779.55 | No |  | $8174.40 | $681.20 | $3508.32 | $292.36 | $0.00 | $0.00 | $1582.81 | $5335.92 | $12004.24 | N/A |  |  | $0.00 |  |  | 0.00% | 49.77% | 49.77% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 99.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 04/25/2025 | 04/25/2025 |  |  |  | 664 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 157366.31 | 29.5 | No | 64.35 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 667636 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 9 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 3804 | 06/02/2025 | 6.920% |  |  | No | 10.781% |  | 10.375% |  | $1693.11 | No |  | $9078.60 | $756.55 | $752.04 | $62.67 | $1068.00 | $89.00 | $1860.69 | $4462.02 | $62973.56 | N/A | XXXX | XX | $89.00 | 08/01/2025 | Monthly | 0.00% | 23.06% | 23.06% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 67.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 04/28/2025 | 04/28/2025 |  |  |  | 710 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 36341.84 | 8.1 | 181421.04 | 40.7 | No | 79.83 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| XXXX | 667637 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 9 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 8996.35 | 06/02/2025 | 6.920% |  |  | No | 10.677% |  | 10.000% |  | $1805.10 | No |  | $2203.80 | $183.65 | $1982.04 | $165.17 | $0.00 | $0.00 | $784.42 | $2938.34 | $7754.04 | N/A |  |  | $0.00 |  |  | 0.00% | 31.29% | 31.29% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | N/A | 0 | 12 | No |  |  |  | 97.94% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified, Lease Agreements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 03/20/2025 | 03/20/2025 |  |  |  | 669 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 667662 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 9 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 3313.29 | 06/02/2025 | 6.920% |  |  | No | 11.555% |  | 10.875% |  | $971.51 | No |  | $8229.60 | $685.80 | $894.48 | $74.54 | $2196.00 | $183.00 | $2502.96 | $4417.81 | $27894.43 | N/A | XXXX | XX | $183.00 |  | Monthly | 0.00% | 19.77% | 19.77% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 30.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 05/21/2025 | 05/21/2025 |  |  |  | 676 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 11750.11 | 2.7 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 667704 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 9 | XXXX | QM: Average Prime Offer Rate (APOR) | Yes | No | No | N/A | N/A | 7705 | 06/23/2025 | 6.830% |  |  | No | 8.316% |  | 8.000% |  | $2461.78 | No |  | $9675.84 | $806.32 | $1553.52 | $129.46 | $0.00 | $0.00 | $2524.37 | $5921.93 | $13769.89 | N/A |  |  | $0.00 |  |  | 0.00% | 41.71% | 41.71% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 84 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Asset Depletion, Asset Depletion, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 06/04/2025 | 06/04/2025 |  |  |  | 775 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 16243.43 | 2.7 | 16243.43 | 2.7 | No | 54.75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 668271 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 9 | XXXX | QM: Rebuttable Presumption (APOR) | Yes | No | No | N/A | N/A | 2828 | 06/09/2025 | 6.880% |  |  | No | 10.694% |  | 9.990% |  | $613.78 | No |  | $8360.16 | $696.68 | $1947.00 | $162.25 | $480.00 | $40.00 | $2512.42 | $4025.13 | $6014.54 | N/A | XXXX | XX | $40.00 |  | Monthly | 0.00% | 46.62% | 46.62% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 24 | 24 | FNMA 1005 |  |  | 0 |  | No | 0 |  | No | Borrower - Wage - 2 YRS W2 1099 Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - 2025, 2024, 2023 | Borrower - 2 YRS Executed 4506T Verified - 2025, 2024, 2023 | XXXX | XXXX | XX | XXXX | XXXX | 06/05/2025 | 06/05/2025 |  |  |  | 663 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 7.78 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 669912 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 03/11/2025 | 8 | XXXX | QM: Average Prime Offer Rate (APOR) | Yes | No | No | N/A | N/A | 1990 | 06/16/2025 | 6.890% |  |  | No | 8.787% |  | 8.625% |  | $2138.92 | No |  | $16542.84 | $1378.57 | $6038.04 | $503.17 | $2460.00 | $205.00 | $4739.48 | $8965.14 | $13601.61 | N/A | XXXX | XX | $205.00 |  | Monthly | 0.00% | 44.92% | 44.92% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation - CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 05/12/2025 | 05/12/2025 |  |  |  | 740 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 101204.74 | 11.3 | 101204.74 | 11.3 | No | 69.86 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| XXXX | 670102 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 10.375% |  | $2010.87 | No |  | $7160.40 | $596.70 | $1772.04 | $147.67 | $0.00 | $0.00 | $2079.60 | $4834.84 | $14755.71 | N/A |  |  | $0.00 |  |  | 0.00% | 47.77% | 47.77% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 1YR Full Doc |  |  |  |  |  | 0 |  |  | 2 | 1 | 2 | 1 | 3 | 2 |  |  | No | No | 0 | No | Yes |  | 1 | 0 | Yes |  | 1 | 0 | 0.00% | 100.00% | 100.00% |  | Borrower Prepared | 24 | Borrower | Borrower Prepared | Borrower | 24 | Yes | 60 | Yes | 60 |  | 0 | 0 |  |  | 0 | 0 |  | No | 0 |  |  | Borrower - Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO, SECorporation - 2 YRS Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120, K1), CPA Letter Verified, YTD Profit And Loss Verified, Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, 1040 Schedule E Verified - 2023, 2024, 2025 \|\| Co Borrower - SECorporation, SECorporation - 2 YRS Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, K1), CPA Letter Verified, YTD Profit And Loss Verified, Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, 1040 Schedule E Verified - 2023, 2024, 2025 | Borrower - 2 YRS Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120, K1), 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - 2023, 2024, 2025 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, K1), 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 05/06/2025 | 05/06/2025 | 05/06/2025 |  |  | 667 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 118040.40 | 24.4 | No | 70 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | 670103 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 9 | XXXX | QM: Average Prime Offer Rate (APOR) | Yes | No | No | N/A | N/A | 2499 | 06/09/2025 | 6.880% |  |  | No | 9.963% |  | 9.500% |  | $840.85 | No |  | $15178.32 | $1264.86 | $1724.04 | $143.67 | $0.00 | $0.00 | $1330.47 | $3579.85 | $5392.34 | N/A |  |  | $0.00 |  |  | 0.00% | 42.67% | 42.67% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 1YR Full Doc | 1 | 1 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 3 | Yes | Yes | No | No | 0 | No | Yes | Yes | 1 | 0 | Yes | Yes | 1 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 66 | 28 | Other | Yes | 165 | 28 | Other | No | 0 |  |  | Borrower - Other, Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified, Award Letter Verified, Personal Bank Statements Verified - 2024, 2025 \|\| Co Borrower - Other, Wage, Overtime and Bonus - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified, Award Letter Verified, Personal Bank Statements Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 03/26/2025 | 03/26/2025 | 03/26/2025 |  |  | 724 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 195.27 | 0.1 | 195.27 | 0.1 | No | 31.65 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | 670104 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 9 | XXXX | QM: Average Prime Offer Rate (APOR) | Yes | No | No | N/A | N/A | 3174 | 05/19/2025 | 6.870% |  |  | No | 8.672% |  | 8.125% |  | $742.50 | No |  | $1186.20 | $98.85 | $924.00 | $77.00 | $0.00 | $0.00 | $1001.19 | $1919.54 | $3896.36 | N/A |  |  | $0.00 |  |  | 0.00% | 48.80% | 48.80% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 05/13/2025 | 05/13/2025 |  |  |  | 763 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 82884.74 | 43.2 | No | 47 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| XXXX | 670105 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 9 | XXXX | QM: Verified Safe Harbor (VSH) | Yes | No | Yes | Option 3 - Underwritten to Proprietary Lender Guidelines | N/A | 5286.5 | 05/19/2025 | 6.870% |  |  | No | 10.164% |  | 9.875% |  | $2127.45 | No |  | $9335.88 | $777.99 | $4553.88 | $379.49 | $999.96 | $83.33 | $2423.49 | $5791.75 | $24452.58 | N/A | XXXX | XX | $83.33 |  | Annually | 0.00% | 23.78% | 23.78% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified - 2025, 2024 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - 2025, 2024 \|\| Co Borrower - 3 YRS Executed 4506T Verified - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 05/06/2025 | 05/06/2025 | 05/06/2025 |  |  | 770 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 84.93 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 671705 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 10.000% |  | $1667.39 | No |  | $5691.36 | $474.28 | $989.16 | $82.43 | $0.00 | $0.00 | $1575.11 | $3799.21 | $10636.42 | N/A |  |  | $0.00 |  |  | 0.00% | 41.16% | 41.16% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Commission, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 06/10/2025 | 06/10/2025 |  |  |  | 783 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 79.75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 673244 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 9 | XXXX | QM: Average Prime Offer Rate (APOR) | Yes | No | No | N/A | N/A | 5374 | 05/19/2025 | 6.870% |  |  | No | 10.070% |  | 9.625% |  | $2124.96 | No |  | $11245.92 | $937.16 | $1346.88 | $112.24 | $0.00 | $0.00 | $4473.60 | $7647.96 | $11326.44 | N/A |  |  | $0.00 |  |  | 0.00% | 47.31% | 47.31% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 2+ Months Paystubs Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 06/23/2025 | 06/23/2025 |  |  |  | 700 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 55.23 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 676029 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 2 | XXXX | QM: Average Prime Offer Rate (APOR) | Yes | No | No | N/A | N/A | 8712.18 | 06/16/2025 | 6.890% |  |  | No | 10.196% |  | 9.750% |  | $2652.10 | No |  | $4800.84 | $400.07 | $1386.00 | $115.50 | $0.00 | $0.00 | $1477.94 | $4645.61 | $9198.55 | N/A |  |  | $0.00 |  |  | 0.00% | 49.64% | 49.64% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 05/22/2025 | 05/22/2025 |  |  |  | 815 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 676059 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 2 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 4895 | 06/09/2025 | 6.880% |  |  | No | 11.255% |  | 10.875% |  | $1838.64 | No |  | $7223.52 | $601.96 | $1553.04 | $129.42 | $0.00 | $0.00 | $3338.55 | $5908.57 | $18138.40 | N/A |  |  | $0.00 |  |  | 0.00% | 38.00% | 38.00% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 04/22/2025 | 04/22/2025 |  |  |  | 690 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 69.99 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| XXXX | 677587 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 2 | XXXX | QM: Average Prime Offer Rate (APOR) | Yes | No | No | N/A | N/A | 995 | 06/23/2025 | 6.830% |  |  | No | 9.098% |  | 8.875% |  | $1193.47 | No |  | $10550.52 | $879.21 | $3351.00 | $279.25 | $0.00 | $0.00 | $2116.07 | $4468.00 | $27535.39 | N/A |  |  | $0.00 |  |  | 0.00% | 20.71% | 20.71% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 06/10/2025 | 06/10/2025 |  |  |  | 732 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 58.99 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 677591 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 2 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 9.750% |  | $2635.77 | No |  | $7680.12 | $640.01 | $2430.00 | $202.50 | $0.00 | $0.00 | $2314.07 | $5792.35 | $28489.17 | N/A |  |  | $0.00 |  |  | 0.00% | 38.33% | 38.33% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 05/14/2025 | 05/14/2025 |  |  |  | 712 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 4139.44 | 0.7 | 9605.12 | 1.7 | No | 55 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| XXXX | 677637 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 2 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 11.875% |  | $2588.26 | No |  | $10054.44 | $837.87 | $1707.12 | $142.26 | $0.00 | $0.00 | $2455.00 | $6023.39 | $3668.98 | N/A |  |  | $0.00 |  |  | 0.00% | 49.43% | 49.43% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 2 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Subject Property Net Rental Income(Loss) if NOO, SESoleProprietor - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - 2023, 2024, 2025 | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 06/06/2025 | 06/06/2025 |  |  |  | 715 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 249926.23 | 41.5 | No | 78.89 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 677664 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 2 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 9.625% |  | $1682.98 | No |  | $6236.28 | $519.69 | $3180.00 | $265.00 | $0.00 | $0.00 | $1669.43 | $4137.10 | $9374.86 | N/A |  |  | $0.00 |  |  | 0.00% | 48.68% | 48.68% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 64 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 05/22/2025 | 05/22/2025 |  |  |  | 815 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 186786.17 | 45.2 | No | 69.96 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 679138 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 9 | XXXX | QM: Average Prime Offer Rate (APOR) | Yes | No | No | N/A | N/A | 995 | 06/16/2025 | 6.890% |  |  | No | 9.939% |  | 9.875% |  | $2691.88 | No |  | $13505.28 | $1125.44 | $2853.96 | $237.83 | $0.00 | $0.00 | $4447.14 | $8502.29 | $14052.31 | N/A |  |  | $0.00 |  |  | 0.00% | 40.38% | 40.38% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified - 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 06/05/2025 | 06/05/2025 | 06/05/2025 |  |  | 791 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 211130.16 | 25 | No | 84.82 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | 679569 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 9 | XXXX | QM: Average Prime Offer Rate (APOR) | Yes | No | No | N/A | N/A | 8151.75 | 06/09/2025 | 6.880% |  |  | No | 10.124% |  | 9.750% |  | $2568.87 | No |  | $10282.80 | $856.90 | $1878.00 | $156.50 | $0.00 | $0.00 | $3243.49 | $6825.76 | $14165.52 | N/A |  |  | $0.00 |  |  | 0.00% | 37.73% | 37.73% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 17 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 05/07/2025 | 05/07/2025 |  |  |  | 701 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 209812.88 | 30.7 | No | 73.96 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 679570 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 9 | XXXX | QM: Average Prime Offer Rate (APOR) | Yes | No | No | N/A | N/A | 8343.75 | 06/23/2025 | 6.830% |  |  | No | 10.242% |  | 9.875% |  | $2613.73 | No |  | $5693.88 | $474.49 | $2610.96 | $217.58 | $1044.00 | $87.00 | $2511.11 | $5903.91 | $10577.42 | N/A | XXXX | XX | $87.00 |  | Monthly | 0.00% | 44.97% | 44.97% | No | No |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | 1YR Full Doc | 1 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 1 | 0 | 1 | 1 | 3 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 100.00% |  | N/A | 0 | N/A | Borrower Prepared | Borrower | 5 | NA | 0 | No | 0 | Yes | 360 | 29 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage - 1 YR Personal Tax Returns Verified, 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - SESoleProprietor - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(K1), YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - 2024, 2025 | Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(K1), 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 05/05/2025 | 05/05/2025 | 05/05/2025 |  |  | 669 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 74.92 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 680950 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 9 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 7195 | 06/09/2025 | 6.880% |  |  | No | 9.102% |  | 8.500% |  | $1230.26 | No |  | $11527.44 | $960.62 | $2531.16 | $210.93 | $0.00 | $0.00 | $3464.35 | $5866.16 | $16227.70 | N/A |  |  | $0.00 |  |  | 0.00% | 38.18% | 38.18% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 12 | 12 | Other | Yes | 264 | 27 | Work Number | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - 2023, 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2023, 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 07/01/2025 | 07/01/2025 | 07/01/2025 |  |  | 695 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 38417.62 | 6.6 | No | 58.56 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 681138 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 9 | XXXX | QM: Average Prime Offer Rate (APOR) | Yes | No | No | N/A | N/A | 10749 | 06/23/2025 | 6.830% |  |  | No | 8.836% |  | 8.625% |  | $4666.74 | No |  | $4243.20 | $353.60 | $4997.04 | $416.42 | $0.00 | $0.00 | $4068.34 | $9505.10 | $50863.11 | N/A |  |  | $0.00 |  |  | 0.00% | 20.13% | 20.13% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 16 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Other REO Net Rental Income(Loss), SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, Balance Sheet Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 05/06/2025 | 05/06/2025 |  |  |  | 740 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 41589.59 | 4.4 | 41589.59 | 4.4 | No | 55.35 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 682385 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 9.250% |  | $2468.04 | No |  | $5376.24 | $448.02 | $642.96 | $53.58 | $0.00 | $0.00 | $1518.83 | $4488.47 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.47 | 1.16 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 06/26/2025 | 06/26/2025 |  |  |  | 761 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 282814.29 | 63 | No | 67.75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 683334 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 9.375% |  | $664.39 | No |  | $2354.28 | $196.19 | $2385.96 | $198.83 | $0.00 | $0.00 | $1625.06 | $2684.47 | $16484.93 | N/A |  |  | $0.00 |  |  | 0.00% | 36.23% | 36.23% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), SESCorp - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 04/08/2025 | 04/08/2025 |  |  |  | 752 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 794.19 | 0.3 | 794.19 | 0.3 | No | 69.78 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 684056 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 2 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 10740 | 06/23/2025 | 6.830% |  |  | No | 12.057% |  | 11.625% |  | $3499.44 | No |  | $10040.16 | $836.68 | $2198.04 | $183.17 | $0.00 | $0.00 | $5453.87 | $9973.16 | $17379.29 | N/A |  |  | $0.00 |  |  | 0.00% | 44.32% | 44.32% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified, Lease Agreements Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 06/09/2025 | 06/09/2025 |  |  |  | 683 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 317141.90 | 31.8 | No | 77.93 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| XXXX | 684151 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 11.000% |  | $2095.11 | No |  | $7597.44 | $633.12 | $1669.20 | $139.10 | $0.00 | $0.00 | $2050.02 | $4917.35 | $14520.65 | N/A |  |  | $0.00 |  |  | 0.00% | 36.13% | 36.13% | Yes | Yes |  |  |  |  |  |  | Not Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | Yes | Yes | 0 | 12 | 100.00% | 0.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Subject Property Net Rental Income(Loss) if NOO \|\| Co Borrower - SESoleProprietor - Business Bank Statements Verified, Lease Agreements Verified - 2024, 2025 | Borrower \|\| Co Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 05/30/2025 | 05/30/2025 | 05/30/2025 |  |  | 791 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 79.89 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 684482 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 2 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 9.875% |  | $3551.55 | Yes | 35.000% | $5945.16 | $495.43 | $4811.04 | $400.92 | $0.00 | $0.00 | $2474.38 | $6922.28 | $162395.75 | N/A |  |  | $0.00 |  |  | 0.00% | 20.01% | 20.01% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 04/29/2025 | 04/29/2025 |  |  |  | 713 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 381280.86 | 55.1 | No | 69.92 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 685079 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 9 | XXXX | QM: Average Prime Offer Rate (APOR) | Yes | No | No | N/A | N/A | 3304.2 | 05/26/2025 | 6.930% |  |  | No | 8.624% |  | 8.125% |  | $631.12 | No |  | $6999.96 | $583.33 | $3705.00 | $308.75 | $0.00 | $0.00 | $1894.99 | $3418.19 | $6845.42 | N/A |  |  | $0.00 |  |  | 0.00% | 45.02% | 45.02% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 2 | NA |  | No | No | 0 | No | Yes | Yes | 12 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS IRS Transcripts Verified, Personal Bank Statements Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2 YRS IRS Transcripts Verified - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 05/16/2025 | 05/16/2025 |  |  |  | 800 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 13660.21 | 4 | 13660.21 | 4 | No | 58.39 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 689867 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 9 | XXXX | QM: Average Prime Offer Rate (APOR) | Yes | No | No | N/A | N/A | 2269.5 | 06/23/2025 | 6.830% |  |  | No | 9.862% |  | 9.500% |  | $712.60 | No |  | $12826.20 | $1068.85 | $1346.04 | $112.17 | $0.00 | $0.00 | $7459.29 | $9352.91 | $16674.05 | N/A |  |  | $0.00 |  |  | 0.00% | 42.43% | 42.43% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 96 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower | Borrower - 2024, 2025 \|\| Co Borrower | XXXX | XXXX | XX | XXXX | XXXX | 05/08/2025 | 05/08/2025 | 05/08/2025 |  |  | 739 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 20492.77 | 2.2 | 20492.77 | 2.2 | No | 75.08 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 689868 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 9 | XXXX | QM: Average Prime Offer Rate (APOR) | Yes | No | No | N/A | N/A | 4186.5 | 06/23/2025 | 6.830% |  |  | No | 9.453% |  | 9.000% |  | $1206.93 | No |  | $12705.24 | $1058.77 | $5592.48 | $466.04 | $0.00 | $0.00 | $1273.72 | $4005.46 | $12301.95 | N/A |  |  | $0.00 |  |  | 0.00% | 29.45% | 29.45% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 04/22/2025 | 04/22/2025 |  |  |  | 680 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 3126.83 | 0.8 | 3126.83 | 0.8 | No | 46.05 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 689996 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 9 | XXXX | QM: Average Prime Offer Rate (APOR) | Yes | No | No | N/A | N/A | 2345 | 07/07/2025 | 6.670% |  |  | No | 8.809% |  | 8.750% |  | $3933.50 | No |  | $8834.76 | $736.23 | $6189.12 | $515.76 | $1790.04 | $149.17 | $2461.89 | $5334.66 | $43924.84 | N/A | XXXX | XX | $149.17 |  | Annually | 0.00% | 22.56% | 22.56% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | N/A | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, SESoleProprietor, Retirement - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - 2 YRS Executed 4506T Verified - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 06/06/2025 | 06/06/2025 |  |  |  | 726 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 24592.04 | 4.6 | 305093.26 | 57.2 | No | 47.24 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 692342 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 2 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 10.250% |  | $1288.54 | No |  | $2292.00 | $191.00 | $2909.04 | $242.42 | $2646.00 | $220.50 | $1565.89 | $3508.35 |  | N/A | XXXX | XX | $220.50 |  | Monthly | 0.00% | 0.00% | 0.00% | No | No |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.027 | 1.023 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 06/12/2025 | 06/12/2025 | 06/12/2025 |  |  | 735 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 17138.35 | 4.9 | 155064.64 | 44.2 | No | 70 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 692359 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 2 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 9070 | 06/30/2025 | 6.770% |  |  | No | 12.190% |  | 11.750% |  | $3260.39 | No |  | $17919.72 | $1493.31 | $12908.88 | $1075.74 | $0.00 | $0.00 | $5054.68 | $10884.12 | $76329.98 | N/A |  |  | $0.00 |  |  | 0.00% | 23.20% | 23.20% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 06/12/2025 | 06/12/2025 |  |  |  | 693 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 79.99 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| XXXX | 692379 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 2 | XXXX | QM: Average Prime Offer Rate (APOR) | Yes | No | No | N/A | N/A | 11690 | 06/16/2025 | 6.890% |  |  | No | 9.842% |  | 9.750% |  | $4295.77 | No |  | $8721.60 | $726.80 | $3603.96 | $300.33 | $0.00 | $0.00 | $3101.64 | $8424.54 | $17611.47 | N/A |  |  | $0.00 |  |  | 0.00% | 38.59% | 38.59% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 48 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 06/16/2025 | 06/16/2025 |  |  |  | 742 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 110049.30 | 13.1 | No | 69.87 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 692770 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 2 | XXXX | QM: Average Prime Offer Rate (APOR) | Yes | No | No | N/A | N/A | 8690 | 07/07/2025 | 6.670% |  |  | No | 9.844% |  | 9.750% |  | $3007.04 | No |  | $11585.40 | $965.45 | $4659.96 | $388.33 | $2760.00 | $230.00 | $2800.52 | $7391.34 | $28121.04 | N/A | XXXX | XX | $230.00 | 09/01/2025 | Monthly | 0.00% | 33.63% | 33.63% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 06/18/2025 | 06/18/2025 |  |  |  | 793 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 74.06 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 693664 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.875% |  | $1909.55 | No |  | $7006.44 | $583.87 | $3128.64 | $260.72 | $0.00 | $0.00 | $1466.76 | $4220.90 | $42654.01 | N/A |  |  | $0.00 |  |  | 0.00% | 43.30% | 43.30% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | 0 | Yes | 59 | No | 0 | NA | 0 | 0 |  |  | 0 | 0 |  | No | 0 |  |  | Borrower - Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified, null 1040 Schedule E Verified - 2024, 2025 \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null 1040 Schedule E Verified - 2024, 2025 \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 06/05/2025 | 06/05/2025 | 06/05/2025 |  |  | 770 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 14974.25 | 3.6 | 14974.25 | 3.6 | No | 59.59 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 694277 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 9 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 5958.41 | 06/23/2025 | 6.830% |  |  | No | 11.040% |  | 10.375% |  | $1318.65 | No |  | $6014.04 | $501.17 | $4836.84 | $403.07 | $1560.00 | $130.00 | $2000.39 | $4353.28 | $4988.33 | N/A | XXXX | XX | $130.00 |  | Monthly | 0.00% | 46.60% | 46.60% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified - 2025, 2024, 2023 | Borrower - 2 YRS Executed 4506T Verified - 2025, 2024, 2023 | XXXX | XXXX | XX | XXXX | XXXX | 05/01/2025 | 05/01/2025 |  |  |  | 661 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 70 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 694329 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 2 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 9.875% |  | $1302.52 | No |  | $8461.08 | $705.09 | $3921.00 | $326.75 | $2340.00 | $195.00 | $2116.41 | $4645.77 | $28782.54 | N/A | XXXX | XX | $195.00 |  | Monthly | 0.00% | 39.19% | 39.19% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 24 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 24 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2023, 2024, 2025 \|\| Co Borrower | Borrower - 2023, 2024, 2025 \|\| Co Borrower | XXXX | XXXX | XX | XXXX | XXXX | 06/10/2025 | 06/10/2025 | 06/10/2025 |  |  | 770 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 142787.38 | 30.7 | No | 77.21 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 694839 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/15/2025 | 10 | XXXX | QM: Average Prime Offer Rate (APOR) | Yes | No | No | N/A | N/A | 8175 | 07/07/2025 | 6.670% |  |  | No | 9.609% |  | 9.250% |  | $2468.04 | No |  | $10896.48 | $908.04 | $3504.96 | $292.08 | $2340.00 | $195.00 | $2535.75 | $6398.91 | $10656.40 | N/A | XXXX | XX | $195.00 | 07/14/2025 | Monthly | 0.00% | 41.27% | 41.27% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 29 | 29 | Other |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Overtime and Bonus - Written VOE Verified - 2023, 2024, 2025 | Borrower - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 06/30/2025 | 06/30/2025 |  |  |  | 729 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 288425.54 | 45.1 | No | 69.71 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 695198 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 9 | XXXX | QM: Average Prime Offer Rate (APOR) | Yes | No | No | N/A | N/A | 3990 | 07/07/2025 | 6.670% |  |  | No | 9.414% |  | 9.125% |  | $1627.27 | No |  | $11636.28 | $969.69 | $1296.48 | $108.04 | $0.00 | $0.00 | $3938.44 | $6643.44 | $7556.80 | N/A |  |  | $0.00 |  |  | 0.00% | 47.12% | 47.12% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 69 | 28 | FNMA 1005 |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Overtime and Bonus - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 06/10/2025 | 06/10/2025 |  |  |  | 737 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 53587.50 | 8.1 | No | 73.26 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 696424 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 2 | XXXX | QM: Average Prime Offer Rate (APOR) | Yes | No | No | N/A | N/A | 10371.25 | 07/07/2025 | 6.670% |  |  | No | 9.826% |  | 9.750% |  | $3221.83 | No |  | $11577.84 | $964.82 | $3979.20 | $331.60 | $3120.00 | $260.00 | $5629.17 | $10407.42 | $26073.82 | N/A | XXXX | XX | $260.00 | 09/01/2025 | Monthly | 0.00% | 34.52% | 34.52% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 2YR Business P&L | 0 | 2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 0.00% |  | Third-Party Prepared (Unaudited) | 24 | CPA | N/A | N/A | 0 | Yes | 60 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESCorp - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 05/06/2025 | 05/06/2025 | 05/06/2025 |  |  | 720 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 56.1 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 697378 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 2 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 8095 | 06/23/2025 | 6.830% |  |  | No | 12.812% |  | 12.250% |  | $2934.11 | No |  | $12530.88 | $1044.24 | $5863.08 | $488.59 | $0.00 | $0.00 | $9485.70 | $13952.64 | $43939.93 | N/A |  |  | $0.00 |  |  | 0.00% | 38.42% | 38.42% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 05/23/2025 | 05/23/2025 |  |  |  | 736 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 259611.31 | 18.6 | No | 89.8 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 697681 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 2 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 6541.62 | 06/30/2025 | 6.770% |  |  | No | 10.396% |  | 9.875% |  | $1663.07 | No |  | $7304.52 | $608.71 | $1761.96 | $146.83 | $0.00 | $0.00 | $1711.43 | $4130.04 | $12229.50 | N/A |  |  | $0.00 |  |  | 0.00% | 40.53% | 40.53% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 06/30/2025 | 06/30/2025 |  |  |  | 710 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 176851.74 | 42.8 | No | 74.84 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 697717 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 2 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 7711.4 | 07/14/2025 | 6.750% |  |  | No | 10.753% |  | 10.375% |  | $1770.07 | No |  | $7916.64 | $659.72 | $4250.52 | $354.21 | $0.00 | $0.00 | $2256.75 | $5040.75 | $19053.25 | N/A |  |  | $0.00 |  |  | 0.00% | 23.16% | 23.16% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 06/10/2025 | 06/10/2025 |  |  |  | 747 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 188157.82 | 37.3 | No | 69.92 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 697729 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 2 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 2945 | 06/30/2025 | 6.770% |  |  | No | 11.476% |  | 11.125% |  | $1250.31 | No |  | $10467.36 | $872.28 | $3492.00 | $291.00 | $1188.00 | $99.00 | $2983.91 | $5496.50 | $11399.55 | N/A | XXXX | XX | $99.00 | 09/01/2025 | Monthly | 0.00% | 38.59% | 38.59% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 05/29/2025 | 05/29/2025 |  |  |  | 724 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 79.95 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| XXXX | 698141 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/15/2025 | 10 | XXXX | QM: Average Prime Offer Rate (APOR) | Yes | No | No | N/A | N/A | 2749 | 06/23/2025 | 6.830% |  |  | No | 9.185% |  | 8.750% |  | $786.70 | No |  | $2844.60 | $237.05 | $1803.00 | $150.25 | $0.00 | $0.00 | $886.56 | $2060.56 | $5167.08 | N/A |  |  | $0.00 |  |  | 0.00% | 36.77% | 36.77% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 48 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 06/10/2025 | 06/10/2025 |  |  |  | 727 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 74715.30 | 36.3 | No | 45.73 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 698160 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/15/2025 | 10 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 11.500% |  | $792.23 | No |  | $6452.28 | $537.69 | $1068.12 | $89.01 | $660.00 | $55.00 | $1914.91 | $3388.84 | $7290.20 | N/A | XXXX | XX | $55.00 |  | Monthly | 0.00% | 48.40% | 48.40% | Yes | Yes |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - 2025, 2024, 2023 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - 2025, 2024, 2023 | Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - 2025, 2024, 2023 \|\| Co Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - 2025, 2024, 2023 | XXXX | XXXX | XX | XXXX | XXXX | 05/27/2025 | 05/27/2025 | 05/27/2025 |  |  | 675 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 65.26 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 699136 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 2 | XXXX | QM: Average Prime Offer Rate (APOR) | Yes | No | No | N/A | N/A | 3995 | 06/23/2025 | 6.830% |  |  | No | 9.244% |  | 8.875% |  | $1193.47 | No |  | $5910.60 | $492.55 | $1904.04 | $158.67 | $0.00 | $0.00 | $2660.21 | $4504.90 | $25816.63 | N/A |  |  | $0.00 |  |  | 0.00% | 20.41% | 20.41% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 06/26/2025 | 06/26/2025 |  |  |  | 721 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 144542.84 | 32.1 | No | 68.67 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 699814 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 9 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 4702.5 | 07/14/2025 | 6.750% |  |  | No | 11.082% |  | 10.375% |  | $995.95 | No |  | $6109.20 | $509.10 | $798.96 | $66.58 | $0.00 | $0.00 | $2083.62 | $3655.25 | $4191.29 | N/A |  |  | $0.00 |  |  | 0.00% | 46.58% | 46.58% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 333 | 30 | Work Number |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2023, 2025 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2023, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 06/17/2025 | 06/17/2025 |  |  |  | 660 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 64335.26 | 17.6 | No | 63.89 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 700314 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 2 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 9.125% |  | $1948.23 | Yes | 35.000% | $6949.08 | $579.09 | $2085.36 | $173.78 | $0.00 | $0.00 | $1737.80 | $4438.90 | $52531.95 | N/A |  |  | $0.00 |  |  | 0.00% | 18.53% | 18.53% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 100.00% | 99.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified - 2023, 2024, 2025 | Borrower - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 05/01/2025 | 05/01/2025 |  |  |  | 760 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 106249.50 | 23.9 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 700317 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 2 | XXXX | QM: Average Prime Offer Rate (APOR) | Yes | No | No | N/A | N/A | 15995 | 06/16/2025 | 6.890% |  |  | No | 9.409% |  | 9.375% |  | $6238.12 | No |  | $33290.76 | $2774.23 | $23673.00 | $1972.75 | $0.00 | $0.00 | $14653.38 | $25638.48 | $43903.19 | N/A |  |  | $0.00 |  |  | 0.00% | 41.52% | 41.52% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 07/09/2025 | 07/09/2025 |  |  |  | 768 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 315996.64 | 12.3 | 315996.64 | 12.3 | No | 69.75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 700365 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 2 | XXXX | QM: Average Prime Offer Rate (APOR) | Yes | No | No | N/A | N/A | 3795 | 06/23/2025 | 6.830% |  |  | No | 9.088% |  | 8.875% |  | $1113.90 | No |  | $7884.48 | $657.04 | $905.76 | $75.48 | $0.00 | $0.00 | $3541.75 | $5388.17 | $9260.32 | N/A |  |  | $0.00 |  |  | 0.00% | 42.14% | 42.14% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 06/26/2025 | 06/26/2025 |  |  |  | 782 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 117326.43 | 21.8 | No | 73.17 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 700368 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 2 | XXXX | QM: Average Prime Offer Rate (APOR) | Yes | No | No | N/A | N/A | 1995 | 07/14/2025 | 6.750% |  |  | No | 8.430% |  | 8.375% |  | $3952.38 | No |  | $16900.08 | $1408.34 | $5381.52 | $448.46 | $0.00 | $0.00 | $6169.67 | $11978.85 | $60889.36 | N/A |  |  | $0.00 |  |  | 0.00% | 24.22% | 24.22% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 06/23/2025 | 06/23/2025 |  |  |  | 770 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 510815.12 | 42.6 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 700704 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 2 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 11.375% |  | $2397.96 | No |  | $14608.92 | $1217.41 | $1311.00 | $109.25 | $0.00 | $0.00 | $1722.74 | $5447.36 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.01 | 1.01 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 06/20/2025 | 06/20/2025 |  |  |  | 721 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 701013 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 9 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 2600.1 | 06/16/2025 | 6.890% |  |  | No | 10.863% |  | 10.375% |  | $814.87 | No |  | $7871.04 | $655.92 | $3975.00 | $331.25 | $0.00 | $0.00 | $3689.27 | $5491.31 | $6884.71 | N/A |  |  | $0.00 |  |  | 0.00% | 45.29% | 45.29% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR 1099 | 1 |  | Missing |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 1 | Yes |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SSI and Disability, SESoleProprietor - 1 YR W2 1099 Verified, 1 YR IRS Transcripts Verified, Award Letter Verified - 2024, 2025 | Borrower - 1 YR IRS Transcripts Verified - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 05/06/2025 | 05/06/2025 |  |  |  | 695 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 6398.89 | 1.2 | 6398.89 | 1.2 | No | 65.55 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 703579 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 9 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 6366.01 | 06/09/2025 | 6.880% |  |  | No | 9.877% |  | 9.250% |  | $1110.60 | No |  | $7116.00 | $593.00 | $1515.48 | $126.29 | $0.00 | $0.00 | $1353.06 | $3182.95 | $7658.18 | N/A |  |  | $0.00 |  |  | 0.00% | 41.77% | 41.77% | No | No |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | 1YR Full Doc | 1 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 1 | 0 | 1 | 1 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 100.00% |  | N/A | 0 | N/A | Borrower Prepared | Borrower | 4 | NA | 0 | No | 0 | Yes | 108 | 27 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - SESoleProprietor - 1 YR Personal Tax Returns Verified, YTD Profit And Loss Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024, 2025 | Borrower - 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 04/11/2025 | 04/11/2025 | 04/11/2025 |  |  | 699 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 100667.60 | 31.6 | No | 68.52 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 703603 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 2 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 11.625% |  | $2109.66 | No |  | $4738.92 | $394.91 | $1706.16 | $142.18 | $0.00 | $0.00 | $3889.00 | $6535.75 | $21627.05 | N/A |  |  | $0.00 |  |  | 0.00% | 26.86% | 26.86% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 06/03/2025 | 06/03/2025 |  |  |  | 718 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 208137.73 | 31.9 | No | 64.96 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| XXXX | 704829 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 2 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 9.875% |  | $1128.84 | No |  | $13663.92 | $1138.66 | $0.00 | $0.00 | $6600.00 | $550.00 | $1680.55 | $4498.05 |  | Yes | XXXX | XX | $550.00 |  | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1 | 1 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 05/02/2025 | 05/02/2025 |  |  |  | 779 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 192.25 | 0 | 108139.63 | 24 | No | 69.9 | Yes | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 704985 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 2 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 6495 | 07/14/2025 | 6.750% |  |  | No | 10.845% |  | 10.250% |  | $1792.20 | No |  | $8570.64 | $714.22 | $1767.96 | $147.33 | $0.00 | $0.00 | $3024.42 | $5678.17 | $16014.66 | N/A |  |  | $0.00 |  |  | 0.00% | 31.27% | 31.27% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 06/04/2025 | 06/04/2025 |  |  |  | 776 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 79.42 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 705122 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 2 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 6378 | 06/16/2025 | 6.890% |  |  | No | 10.334% |  | 9.750% |  | $1366.06 | No |  | $17015.04 | $1417.92 | $2852.04 | $237.67 | $0.00 | $0.00 | $8784.52 | $11806.17 | $14323.83 | N/A |  |  | $0.00 |  |  | 0.00% | 47.63% | 47.63% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | N/A | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 05/15/2025 | 05/15/2025 |  |  |  | 764 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 38135.02 | 3.2 | 167342.81 | 14.2 | No | 83.86 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 705497 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 2 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 5359.95 | 06/30/2025 | 6.770% |  |  | No | 9.115% |  | 9.000% |  | $1327.63 | No |  | $8301.72 | $691.81 | $2427.96 | $202.33 | $0.00 | $0.00 | $2497.84 | $4719.61 | $10203.64 | N/A |  |  | $0.00 |  |  | 0.00% | 37.22% | 37.22% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 06/29/2025 | 06/29/2025 |  |  |  | 808 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 10325.20 | 2.2 | No | 45.15 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 705542 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 2 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 14995 | 06/23/2025 | 6.830% |  |  | No | 10.155% |  | 9.750% |  | $4295.77 | No |  | $22909.20 | $1909.10 | $4448.04 | $370.67 | $0.00 | $0.00 | $15340.66 | $21916.20 | $73641.96 | N/A |  |  | $0.00 |  |  | 0.00% | 39.30% | 39.30% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 05/21/2025 | 05/21/2025 |  |  |  | 705 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 477617.71 | 21.8 | No | 69.28 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 705689 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 2 | XXXX | QM: Average Prime Offer Rate (APOR) | Yes | No | No | N/A | N/A | 9770 | 07/14/2025 | 6.750% |  |  | No | 9.091% |  | 8.875% |  | $4296.47 | No |  | $23342.16 | $1945.18 | $9567.96 | $797.33 | $0.00 | $0.00 | $4243.55 | $11282.53 | $18318.75 | N/A |  |  | $0.00 |  |  | 0.00% | 42.07% | 42.07% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 06/24/2025 | 06/24/2025 |  |  |  | 772 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 252386.43 | 23 | No | 42.7 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 705741 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 2 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 9.875% |  | $1658.55 | No |  | $10256.52 | $854.71 | $1395.96 | $116.33 | $0.00 | $0.00 | $3237.61 | $5867.20 | $29432.03 | N/A |  |  | $0.00 |  |  | 0.00% | 36.60% | 36.60% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 72 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 07/02/2025 | 07/02/2025 |  |  |  | 779 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 141383.73 | 24.1 | No | 74.96 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| XXXX | 705798 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/15/2025 | 10 | XXXX | QM: Average Prime Offer Rate (APOR) | Yes | No | No | N/A | N/A | 2620 | 06/23/2025 | 6.830% |  |  | No | 10.300% |  | 9.875% |  | $868.35 | No |  | $12159.60 | $1013.30 | $2682.00 | $223.50 | $0.00 | $0.00 | $3257.06 | $5362.21 | $7657.33 | N/A |  |  | $0.00 |  |  | 0.00% | 42.96% | 42.96% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 1 | 2+ Months | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 48 | 29 | FNMA 1005 | Yes | 91 | 29 | Other | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - 2025, 2024, 2023 \|\| Co Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - 2025, 2024, 2023 | Borrower - 2 YRS Executed 4506T Verified - 2025, 2024, 2023 \|\| Co Borrower - 2 YRS Executed 4506T Verified - 2025, 2024, 2023 | XXXX | XXXX | XX | XXXX | XXXX | 06/26/2025 | 06/26/2025 | 06/26/2025 |  |  | 685 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 32052.38 | 6 | No | 72.54 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 707687 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/15/2025 | 10 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 995 | 07/21/2025 | 6.790% |  |  | No | 10.290% |  | 10.250% |  | $4910.64 | No |  | $9298.56 | $774.88 | $2549.52 | $212.46 | $2700.00 | $225.00 | $3233.40 | $9356.38 | $15721.12 | N/A | XXXX | XX | $225.00 |  | Monthly | 0.00% | 49.18% | 49.18% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 24 | 24 | Work Number |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 06/24/2025 | 06/24/2025 |  |  |  | 665 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 57726.45 | 6.2 | No | 69.98 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| XXXX | 707928 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/15/2025 | 10 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 9.625% |  | $849.99 | No |  | $6587.76 | $548.98 | $1533.00 | $127.75 | $0.00 | $0.00 | $1611.98 | $3138.70 | $12337.18 | N/A |  |  | $0.00 |  |  | 0.00% | 42.06% | 42.06% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 98 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified, Lease Agreements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 06/10/2025 | 06/10/2025 |  |  |  | 706 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 35228.28 | 11.2 | 35228.28 | 11.2 | No | 65.76 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 707929 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 9 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 8102.25 | 07/07/2025 | 6.670% |  |  | No | 10.679% |  | 10.250% |  | $2546.09 | No |  | $5776.80 | $481.40 | $1377.00 | $114.75 | $0.00 | $0.00 | $1783.20 | $4925.44 | $9754.96 | N/A |  |  | $0.00 |  |  | 0.00% | 39.33% | 39.33% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 98.35% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 90 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 06/04/2025 | 06/04/2025 |  |  |  | 679 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 2061.51 | 0.4 | 2061.51 | 0.4 | No | 71.17 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 712152 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 2 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 2919.14 | 07/07/2025 | 6.670% |  |  | No | 10.314% |  | 9.625% |  | $849.99 | No |  | $4305.48 | $358.79 | $1587.00 | $132.25 | $0.00 | $0.00 | $999.85 | $2340.88 | $11182.18 | N/A |  |  | $0.00 |  |  | 0.00% | 20.68% | 20.68% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 24 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2023, 2024, 2025 | Borrower - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 06/17/2025 | 06/17/2025 |  |  |  | 769 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 14667.76 | 6.3 | 108461.87 | 46.3 | No | 74.21 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 712335 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 2 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 7295 | 07/07/2025 | 6.670% |  |  | No | 10.244% |  | 9.875% |  | $2431.38 | No |  | $10215.00 | $851.25 | $1310.04 | $109.17 | $0.00 | $0.00 | $4546.16 | $7937.96 | $11164.71 | N/A |  |  | $0.00 |  |  | 0.00% | 42.85% | 42.85% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 07/07/2025 | 07/07/2025 |  |  |  | 768 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 71.13 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 712618 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 2 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 35012.5 | 06/16/2025 | 6.890% |  |  | No | 9.744% |  | 9.375% |  | $6238.12 | No |  | $38667.36 | $3222.28 | $3659.52 | $304.96 | $0.00 | $0.00 | $30452.91 | $40218.27 | $78058.48 | N/A |  |  | $0.00 |  |  | 0.00% | 36.00% | 36.00% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 06/16/2025 | 06/16/2025 |  |  |  | 729 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 725332.41 | 18 | No | 50.88 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 714254 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 2 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 9.250% |  | $1234.01 | No |  | $5106.60 | $425.55 | $337.32 | $28.11 | $3600.00 | $300.00 | $2245.22 | $4232.89 |  | Yes | XXXX | XX | $300.00 |  | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.063 | 1.027 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 06/09/2025 | 06/09/2025 |  |  |  | 759 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 45814.39 | 10.8 | 181243.28 | 42.8 | No | 58.6 | Yes | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 714507 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 2 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 4657.55 | 07/28/2025 | 6.750% |  |  | No | 12.638% |  | 11.875% |  | $1105.82 | No |  | $11195.52 | $932.96 | $1584.00 | $132.00 | $0.00 | $0.00 | $2802.73 | $4973.51 | $7024.68 | N/A |  |  | $0.00 |  |  | 0.00% | 49.63% | 49.63% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 24 | 24 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - Written VOE Verified - 2023, 2024, 2025 | Borrower - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 05/15/2025 | 05/15/2025 |  |  |  | 749 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen |  | Real ID Driver's License |  | XXXX | XXXX | XXXX |  |  | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 714925 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 2 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 10.375% |  | $1548.25 | No |  | $3534.60 | $294.55 | $2008.44 | $167.37 | $0.00 | $0.00 | $871.28 | $2881.45 | $28035.25 | N/A |  |  | $0.00 |  |  | 0.00% | 39.10% | 39.10% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified - 2025 - 2025 | Borrower - 2025 - 2025 | XXXX | XXXX | XX | XXXX | XXXX | 07/11/2025 | 07/11/2025 |  |  |  | 718 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 160980.84 | 55.9 | No | 64.85 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 715248 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 2 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 11.875% |  | $764.25 | No |  | $6962.16 | $580.18 | $960.12 | $80.01 | $0.00 | $0.00 | $2202.60 | $3627.04 | $28202.72 | N/A |  |  | $0.00 |  |  | 0.00% | 38.73% | 38.73% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 07/11/2025 | 07/11/2025 |  |  |  | 718 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 67406.89 | 47.3 | No | 69.97 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 715324 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/15/2025 | 10 | XXXX | QM: Average Prime Offer Rate (APOR) | Yes | No | No | N/A | N/A | 999 | 07/21/2025 | 6.790% |  |  | No | 8.171% |  | 8.125% |  | $4454.98 | No |  | $18819.84 | $1568.32 | $7289.52 | $607.46 | $2700.00 | $225.00 | $4083.33 | $10939.09 | $47009.86 | N/A | XXXX | XX | $225.00 |  | Monthly | 0.00% | 25.09% | 25.09% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified, Lease Agreements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 06/11/2025 | 06/11/2025 |  |  |  | 764 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 5302.75 | 0.4 | 417218.09 | 31.8 | No | 65.57 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 715325 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 9 | XXXX | QM: Average Prime Offer Rate (APOR) | Yes | No | No | N/A | N/A | 5446.5 | 06/23/2025 | 6.830% |  |  | No | 10.170% |  | 9.750% |  | $1910.54 | No |  | $3378.72 | $281.56 | $2831.04 | $235.92 | $0.00 | $0.00 | $2041.01 | $4469.03 | $68856.85 | N/A |  |  | $0.00 |  |  | 0.00% | 8.34% | 8.34% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 50.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 53 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SEPartnership - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 06/19/2025 | 06/19/2025 |  |  |  | 727 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 72.94 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 715326 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 9 | XXXX | QM: Average Prime Offer Rate (APOR) | Yes | No | No | N/A | N/A | 4186.5 | 07/07/2025 | 6.670% |  |  | No | 9.175% |  | 8.750% |  | $1180.05 | No |  | $7346.04 | $612.17 | $2220.48 | $185.04 | $0.00 | $0.00 | $2424.46 | $4401.72 | $10860.28 | N/A |  |  | $0.00 |  |  | 0.00% | 29.50% | 29.50% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 24 | CPA |  |  |  | Yes | 48 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2023, 2024, 2025 | Borrower - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 06/25/2025 | 06/25/2025 |  |  |  | 737 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Non Permanent Resident Alien | Non-Permanent Non-US Citizen |  | Real ID Driver's License |  | XXXX | XXXX | XXXX |  |  | I-766 Employment Authorization Document |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 143270.38 | 32.6 | No | 72.99 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 715484 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 2 | XXXX | QM: Average Prime Offer Rate (APOR) | Yes | No | No | N/A | N/A | 17237.5 | 06/30/2025 | 6.770% |  |  | No | 9.406% |  | 9.375% |  | $6238.12 | No |  | $17166.96 | $1430.58 | $7801.56 | $650.13 | $0.00 | $0.00 | $2806.53 | $11125.36 | $61197.75 | N/A |  |  | $0.00 |  |  | 0.00% | 26.90% | 26.90% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 99.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 06/26/2025 | 06/26/2025 |  |  |  | 720 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 240487.16 | 21.6 | No | 33.26 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| XXXX | 715527 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 2 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 5395 | 07/21/2025 | 6.790% |  |  | No | 10.646% |  | 10.125% |  | $1418.92 | No |  | $10945.68 | $912.14 | $2442.96 | $203.58 | $0.00 | $0.00 | $5383.95 | $7918.59 | $20648.45 | N/A |  |  | $0.00 |  |  | 0.00% | 39.27% | 39.27% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 06/22/2025 | 06/22/2025 |  |  |  | 729 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 85709.12 | 10.8 | No | 66.61 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 715575 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 2 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 8716 | 06/23/2025 | 6.830% |  |  | No | 12.517% |  | 12.000% |  | $2221.37 | No |  | $9900.72 | $825.06 | $5604.96 | $467.08 | $0.00 | $0.00 | $3179.86 | $6693.37 | $18404.78 | N/A |  |  | $0.00 |  |  | 0.00% | 35.53% | 35.53% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2025, 2024 | Borrower - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 06/11/2025 | 06/11/2025 |  |  |  | 691 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 35397.63 | 4.9 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 716189 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 2 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 12870 | 07/21/2025 | 6.790% |  |  | No | 10.367% |  | 10.000% |  | $4387.86 | No |  | $18759.24 | $1563.27 | $1413.96 | $117.83 | $5484.00 | $457.00 | $14314.85 | $20840.81 | $63052.27 | Yes | XXXX | XX | $457.00 |  | Monthly | 0.00% | 34.87% | 34.87% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 04/10/2025 | 04/10/2025 |  |  |  | 726 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 483452.90 | 23.2 | No | 74.73 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 716477 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/15/2025 | 10 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 4968.43 | 05/26/2025 | 6.930% |  |  | No | 11.532% |  | 11.250% |  | $2523.87 | No |  | $8555.28 | $712.94 | $4524.96 | $377.08 | $2028.00 | $169.00 | $2522.92 | $6305.81 | $43656.05 | N/A | XXXX | XX | $169.00 |  | Monthly | 0.00% | 25.36% | 25.36% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 1 | 0 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 4 | CPA |  |  |  | Yes | 197 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), SESoleProprietor - 1 YR Personal Tax Returns Verified, CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - 2024, 2025 | Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 07/03/2025 | 07/03/2025 |  |  |  | 736 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 251374.54 | 39.9 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 720264 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 2 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 9.250% |  | $2468.03 | No |  | $7151.28 | $595.94 | $3831.84 | $319.32 | $0.00 | $0.00 | $5580.30 | $8963.59 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.277 | 1.277 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 05/22/2025 | 05/22/2025 | 05/22/2025 |  |  | 764 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 293708.25 | 32.8 | No | 11.32 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 720301 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 2 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 9.875% |  | $3473.39 | No |  | $11974.56 | $997.88 | $677.04 | $56.42 | $0.00 | $0.00 | $3347.05 | $7874.74 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.225 | 1.225 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 06/18/2025 | 06/18/2025 |  |  |  | 762 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 387453.56 | 49.2 | No | 50.51 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| XXXX | 720701 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/15/2025 | 10 | XXXX | QM: Average Prime Offer Rate (APOR) | Yes | No | No | N/A | N/A | 5665 | 07/28/2025 | 6.750% |  |  | No | 9.824% |  | 9.500% |  | $2060.09 | No |  | $37250.04 | $3104.17 | $9690.00 | $807.50 | $0.00 | $0.00 | $16669.27 | $22641.03 | $37732.42 | N/A |  |  | $0.00 |  |  | 0.00% | 40.05% | 40.05% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | 1 Month |  | N/A | 0 |  |  | 2 | 0 |  |  | 2 | 1 | Yes |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 27 | 27 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, SSI and Disability, SESoleProprietor, SESoleProprietor, Other REO Net Rental Income(Loss), Retirement, Retirement - 2 YRS Personal Tax Returns Verified, 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Award Letter Verified - 2024, 2023, 2025 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024, 2023, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 06/27/2025 | 06/27/2025 |  |  |  | 719 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 23934.18 | 1.1 | No | 79.86 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 720916 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 9 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 6269 | 07/14/2025 | 6.750% |  |  | No | 9.275% |  | 8.750% |  | $1180.05 | No |  | $10403.04 | $866.92 | $10803.96 | $900.33 | $1500.00 | $125.00 | $1175.14 | $4247.44 | $7913.56 | N/A | XXXX | XX | $125.00 | 01/01/2026 | Annually | 0.00% | 48.52% | 48.52% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 04/30/2025 | 04/30/2025 |  |  |  | 753 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 67.13 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 721122 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 2 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 14057.5 | 07/21/2025 | 6.790% |  |  | No | 10.310% |  | 9.875% |  | $4124.66 | No |  | $10332.60 | $861.05 | $4674.00 | $389.50 | $0.00 | $0.00 | $3364.39 | $8739.60 | $25442.37 | N/A |  |  | $0.00 |  |  | 0.00% | 36.36% | 36.36% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 06/12/2025 | 06/12/2025 |  |  |  | 740 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 460765.60 | 52.7 | No | 79.94 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 721624 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/15/2025 | 10 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 9.750% |  | $859.15 | No |  | $2276.16 | $189.68 | $771.00 | $64.25 | $0.00 | $0.00 | $657.28 | $1770.36 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.011 | 1.01 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 07/31/2025 | 07/31/2025 |  |  |  | 809 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen |  | Missing |  | XXXX | XXXX | XXXX |  |  | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 94837.92 | 53.6 | No | 60.13 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 723534 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 2 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 8557.5 | 06/23/2025 | 6.830% |  |  | No | 12.387% |  | 11.875% |  | $2802.25 | No |  | $10919.04 | $909.92 | $4283.04 | $356.92 | $0.00 | $0.00 | $3573.80 | $7642.89 | $488461.71 | N/A |  |  | $0.00 |  |  | 0.00% | 2.48% | 2.48% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 54 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 05/22/2025 | 05/22/2025 |  |  |  | 678 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 255865.00 | 33.5 | No | 71.57 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 724188 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/15/2025 | 10 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 9.875% |  | $4124.66 | No |  | $13802.04 | $1150.17 | $10658.04 | $888.17 | $0.00 | $0.00 | $4269.66 | $10432.66 | $20323.68 | N/A |  |  | $0.00 |  |  | 0.00% | 40.33% | 40.33% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified, Lease Agreements Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 04/23/2025 | 04/23/2025 |  |  |  | 717 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 67090.51 | 6.4 | 249424.24 | 23.9 | No | 62.25 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| XXXX | 724316 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 9 | XXXX | QM: Average Prime Offer Rate (APOR) | Yes | No | No | N/A | N/A | 5119.38 | 07/28/2025 | 6.750% |  |  | No | 9.101% |  | 8.875% |  | $2622.68 | No |  | $4467.60 | $372.30 | $1194.96 | $99.58 | $0.00 | $0.00 | $1255.63 | $4350.19 | $19072.76 | N/A |  |  | $0.00 |  |  | 0.00% | 18.76% | 18.76% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified - 2025, 2024 | Borrower - 2 YRS Executed 4506T Verified - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 07/07/2025 | 07/07/2025 |  |  |  | 809 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 258784.63 | 59.5 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 724318 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 9 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 5166.68 | 07/07/2025 | 6.670% |  |  | No | 10.810% |  | 10.375% |  | $2012.50 | No |  | $7723.80 | $643.65 | $1188.00 | $99.00 | $0.00 | $0.00 | $2421.97 | $5177.12 | $32138.08 | N/A |  |  | $0.00 |  |  | 0.00% | 38.34% | 38.34% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified - 2025, 2024 | Borrower - 2 YRS Executed 4506T Verified - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 06/24/2025 | 06/24/2025 |  |  |  | 689 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 129197.74 | 25 | 133302.22 | 25.8 | No | 70 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 725470 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 2 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 5495 | 07/28/2025 | 6.750% |  |  | No | 10.515% |  | 10.250% |  | $2688.30 | No |  | $17694.48 | $1474.54 | $2520.96 | $210.08 | $0.00 | $0.00 | $5951.71 | $10324.63 | $13981.95 | N/A |  |  | $0.00 |  |  | 0.00% | 43.80% | 43.80% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 05/08/2025 | 05/08/2025 |  |  |  | 711 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 57.63 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 726014 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 2 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 3745 | 08/04/2025 | 6.750% |  |  | No | 11.523% |  | 10.750% |  | $933.48 | No |  | $3844.44 | $320.37 | $5664.00 | $472.00 | $0.00 | $0.00 | $1263.87 | $2989.72 | $3036.11 | N/A |  |  | $0.00 |  |  | 0.00% | 49.86% | 49.86% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 2 |  | Less than 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 34.16% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, SESoleProprietor - CPA Letter Verified, 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, Personal Bank Statements Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 05/08/2025 | 05/08/2025 |  |  |  | 680 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 47825.67 | 16 | No | 69.21 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 726095 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/15/2025 | 10 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 5234.63 | 07/21/2025 | 6.790% |  |  | No | 11.222% |  | 10.625% |  | $1199.33 | No |  | $2872.68 | $239.39 | $2529.72 | $210.81 | $0.00 | $0.00 | $2304.75 | $3954.28 | $23442.72 | N/A |  |  | $0.00 |  |  | 0.00% | 25.95% | 25.95% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 18 | CPA |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - YTD Profit And Loss Verified - 2025, 2024 | Borrower - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 06/25/2025 | 06/25/2025 |  |  |  | 687 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 121946.17 | 30.8 | No | 70 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 728740 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 2 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 4075 | 07/14/2025 | 6.750% |  |  | No | 10.039% |  | 9.375% |  | $931.56 | No |  | $1538.88 | $128.24 | $5943.00 | $495.25 | $1740.00 | $145.00 | $489.45 | $2189.50 | $10997.24 | N/A | XXXX | XX | $145.00 |  | Monthly | 0.00% | 22.39% | 22.39% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 180 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 08/07/2025 | 08/07/2025 |  |  |  | 700 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 25.75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 728826 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/15/2025 | 10 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 2904 | 07/21/2025 | 6.790% |  |  | No | 11.340% |  | 11.000% |  | $1209.45 | No |  | $13598.52 | $1133.21 | $4487.88 | $373.99 | $1100.04 | $91.67 | $5278.57 | $8086.89 | $8092.10 | N/A | XXXX | XX | $91.67 |  | Annually | 0.00% | 49.98% | 49.98% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | N/A | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - 2 YRS Executed 4506T Verified - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 07/01/2025 | 07/01/2025 |  |  |  | 668 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX |  |  | Other |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 19002.56 | 2.4 | No | 7.7 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 728827 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/15/2025 | 10 | XXXX | QM: Average Prime Offer Rate (APOR) | Yes | No | No | N/A | N/A | 4297.09 | 07/28/2025 | 6.750% |  |  | No | 10.121% |  | 9.750% |  | $1335.01 | No |  | $3168.12 | $264.01 | $1905.36 | $158.78 | $4200.00 | $350.00 | $2467.24 | $4575.04 | $12057.64 | N/A | XXXX | XX | $350.00 |  | Monthly | 0.00% | 29.44% | 29.44% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 0 | 2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 1 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | Yes | 0 | 0 | 70.48% | 80.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 12 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2025, 2024, 2023 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2025, 2024, 2023 | XXXX | XXXX | XX | XXXX | XXXX | 07/16/2025 | 07/16/2025 | 07/16/2025 |  |  | 691 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 75 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 728937 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 2 | XXXX | QM: Average Prime Offer Rate (APOR) | Yes | No | No | N/A | N/A | 8682.5 | 07/21/2025 | 6.790% |  |  | No | 10.145% |  | 9.875% |  | $3560.23 | No |  | $8058.00 | $671.50 | $2111.04 | $175.92 | $0.00 | $0.00 | $3160.99 | $7568.64 | $51465.39 | N/A |  |  | $0.00 |  |  | 0.00% | 39.97% | 39.97% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 07/01/2025 | 07/01/2025 |  |  |  | 732 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 400633.02 | 52.9 | No | 74.91 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| XXXX | 730608 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/15/2025 | 10 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 1411.82 | 07/07/2025 | 6.670% |  |  | No | 12.669% |  | 12.250% |  | $1153.58 | No |  | $8335.32 | $694.61 | $2980.92 | $248.41 | $1200.00 | $100.00 | $2416.18 | $4612.78 | $8874.43 | N/A | XXXX | XX | $100.00 |  | Monthly | 0.00% | 43.83% | 43.83% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 3 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Wage, Wage - CPA Letter Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified, Business Bank Statements Verified - 2025, 2024, 2023 | Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - 2025, 2024, 2023 | XXXX | XXXX | XX | XXXX | XXXX | 06/30/2025 | 06/30/2025 |  |  |  | 711 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 1492.23 | 0.3 | No | 84.85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 731111 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 2 | XXXX | QM: Average Prime Offer Rate (APOR) | Yes | No | No | N/A | N/A | 10365 | 07/14/2025 | 6.750% |  |  | No | 9.939% |  | 9.875% |  | $4068.21 | No |  | $9429.48 | $785.79 | $3204.12 | $267.01 | $0.00 | $0.00 | $2907.33 | $8028.34 | $24139.58 | N/A |  |  | $0.00 |  |  | 0.00% | 32.74% | 32.74% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 07/14/2025 | 07/14/2025 |  |  |  | 749 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 126873.60 | 15.8 | No | 74.98 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 731270 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 2 | XXXX | QM: Average Prime Offer Rate (APOR) | Yes | No | No | N/A | N/A | 9245 | 07/28/2025 | 6.750% |  |  | No | 9.877% |  | 9.500% |  | $2774.82 | No |  | $7365.12 | $613.76 | $4788.00 | $399.00 | $0.00 | $0.00 | $2025.71 | $5813.29 | $13186.86 | N/A |  |  | $0.00 |  |  | 0.00% | 39.00% | 39.00% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 07/21/2025 | 07/21/2025 |  |  |  | 778 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 317850.68 | 54.7 | No | 73.89 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| XXXX | 731886 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 2 | XXXX | QM: Average Prime Offer Rate (APOR) | Yes | No | No | N/A | N/A | 8995 | 07/21/2025 | 6.790% |  |  | No | 9.321% |  | 9.000% |  | $3218.49 | No |  | $17860.68 | $1488.39 | $3157.08 | $263.09 | $0.00 | $0.00 | $3734.00 | $8703.97 | $20395.19 | N/A |  |  | $0.00 |  |  | 0.00% | 32.71% | 32.71% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 50.00% | 50.00% |  | Third-Party Prepared (Unaudited) | 12 | CPA | Third-Party Prepared (Unaudited) | CPA | 12 | Yes | 24 | Yes | 24 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SEPartnership - CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified - 2024, 2025 \|\| Co Borrower - SEPartnership - CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 07/21/2025 | 07/21/2025 | 07/21/2025 |  |  | 812 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 327819.18 | 37.7 | No | 58.9 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 731964 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 2 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 5641.33 | 07/21/2025 | 6.790% |  |  | No | 8.727% |  | 8.000% |  | $1044.48 | No |  | $4490.40 | $374.20 | $7138.92 | $594.91 | $0.00 | $0.00 | $1441.66 | $3455.25 | $3932.43 | N/A |  |  | $0.00 |  |  | 0.00% | 46.95% | 46.95% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Personal Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 06/14/2025 | 06/14/2025 |  |  |  | 749 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 3275.93 | 0.9 | 91572.06 | 26.5 | No | 17.25 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 732461 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 9 | XXXX | QM: Average Prime Offer Rate (APOR) | Yes | No | No | N/A | N/A | 5090.38 | 06/30/2025 | 6.770% |  |  | No | 9.102% |  | 8.750% |  | $1813.34 | No |  | $9571.80 | $797.65 | $5249.16 | $437.43 | $4224.00 | $352.00 | $1775.38 | $5175.80 | $9053.89 | N/A | XXXX | XX | $352.00 |  | Monthly | 0.00% | 41.80% | 41.80% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 192 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2025, 2024 | Borrower - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 05/22/2025 | 05/22/2025 |  |  |  | 742 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 219382.25 | 42.4 | No | 58.69 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 732462 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/15/2025 | 10 | XXXX | QM: Average Prime Offer Rate (APOR) | Yes | No | No | N/A | N/A | 3014 | 08/04/2025 | 6.750% |  |  | No | 8.812% |  | 8.250% |  | $683.65 | No |  | $1465.80 | $122.15 | $1121.04 | $93.42 | $0.00 | $0.00 | $1720.51 | $2619.73 | $3096.53 | N/A |  |  | $0.00 |  |  | 0.00% | 45.83% | 45.83% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | Yes |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 27 | 27 | Other |  |  | 0 |  | No | 0 |  |  | Borrower - Retirement, Wage - 2 YRS W2 1099 Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - 2025, 2024, 2023, 2022 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025, 2024, 2023, 2022 | XXXX | XXXX | XX | XXXX | XXXX | 06/10/2025 | 06/10/2025 |  |  |  | 778 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 25376.70 | 9.7 | No | 66.72 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 732485 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 2 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 8282.5 | 07/28/2025 | 6.750% |  |  | No | 12.054% |  | 11.500% |  | $2624.27 | No |  | $13376.88 | $1114.74 | $2933.04 | $244.42 | $0.00 | $0.00 | $4608.61 | $8592.04 | $30544.04 | N/A |  |  | $0.00 |  |  | 0.00% | 47.30% | 47.30% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 33.33% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 07/11/2025 | 07/11/2025 |  |  |  | 739 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 81267.59 | 9.5 | 331684.76 | 38.6 | No | 19.63 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 732494 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 2 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 6557.5 | 06/09/2025 | 6.880% |  |  | No | 10.519% |  | 9.875% |  | $1519.61 | No |  | $5643.48 | $470.29 | $2020.56 | $168.38 | $0.00 | $0.00 | $2154.95 | $4313.23 | $7664.70 | N/A |  |  | $0.00 |  |  | 0.00% | 42.91% | 42.91% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 05/29/2025 | 05/29/2025 |  |  |  | 689 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 84865.98 | 19.7 | No | 44.55 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| XXXX | 733046 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 2 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 7358.75 | 07/14/2025 | 6.750% |  |  | No | 9.889% |  | 9.250% |  | $1587.76 | No |  | $26197.68 | $2183.14 | $2629.20 | $219.10 | $0.00 | $0.00 | $10471.00 | $14461.00 | $28886.00 | N/A |  |  | $0.00 |  |  | 0.00% | 34.82% | 34.82% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 06/02/2025 | 06/02/2025 |  |  |  | 730 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 179746.01 | 12.4 | No | 63.49 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 736024 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 2 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 13232.5 | 07/28/2025 | 6.750% |  |  | No | 12.374% |  | 11.875% |  | $4534.55 | No |  | $6437.04 | $536.42 | $3192.96 | $266.08 | $0.00 | $0.00 | $3367.84 | $8704.89 | $15134.19 | N/A |  |  | $0.00 |  |  | 0.00% | 38.51% | 38.51% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 07/17/2025 | 07/17/2025 |  |  |  | 670 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 426775.60 | 49 | No | 62.4 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| XXXX | 737377 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/15/2025 | 10 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 4307.35 | 07/28/2025 | 6.750% |  |  | No | 9.775% |  | 9.125% |  | $747.73 | No |  | $6905.88 | $575.49 | $1908.12 | $159.01 | $0.00 | $0.00 | $2861.25 | $4343.48 | $4344.60 | N/A |  |  | $0.00 |  |  | 0.00% | 49.99% | 49.99% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | N/A | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 6 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 07/12/2025 | 07/12/2025 |  |  |  | 682 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 39253.91 | 9 | No | 63.5 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 738097 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 2 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 6948.75 | 08/11/2025 | 6.630% |  |  | No | 10.753% |  | 10.250% |  | $1940.06 | No |  | $11312.88 | $942.74 | $2349.12 | $195.76 | $0.00 | $0.00 | $3512.05 | $6590.61 | $16733.54 | N/A |  |  | $0.00 |  |  | 0.00% | 39.32% | 39.32% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 07/17/2025 | 07/17/2025 |  |  |  | 763 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX |  |  | I-766 Employment Authorization Document |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 206562.53 | 31.3 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 739622 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/15/2025 | 10 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 10186.5 | 07/21/2025 | 6.790% |  |  | No | 11.179% |  | 10.750% |  | $3267.18 | No |  | $8256.36 | $688.03 | $2366.04 | $197.17 | $2664.00 | $222.00 | $1962.91 | $6337.29 | $10548.41 | N/A | XXXX | XX | $222.00 |  | Monthly | 0.00% | 49.02% | 49.02% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Written Verification of Employment | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 336 | 24 | FNMA 1005 | Yes | 22 | 22 | FNMA 1005 | No | 0 |  |  | Borrower - Wage, Other REO Net Rental Income(Loss) - Written VOE Verified, 3 YRS Executed 4506T Verified - 2025, 2024 \|\| Co Borrower - Wage - Written VOE Verified, 3 YRS Executed 4506T Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2025, 2024 \|\| Co Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 06/03/2025 | 06/03/2025 | 06/03/2025 |  |  | 786 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 12853.20 | 2 | 12853.20 | 2 | No | 81.26 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 739623 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/15/2025 | 10 | XXXX | QM: Average Prime Offer Rate (APOR) | Yes | No | No | N/A | N/A | 9999 | 07/07/2025 | 6.670% |  |  | No | 8.454% |  | 8.125% |  | $2969.99 | No |  | $37564.20 | $3130.35 | $6577.32 | $548.11 | $57000.00 | $4750.00 | $3832.97 | $15231.42 | $36740.35 | Yes | XXXX | XX | $4750.00 |  | Monthly | 0.00% | 38.39% | 38.39% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 40 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 06/18/2025 | 06/18/2025 |  |  |  | 800 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 340136.41 | 22.3 | No | 61.22 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 739820 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/15/2025 | 3 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 4395 | 08/04/2025 | 6.750% |  |  | No | 11.875% |  | 11.500% |  | $1683.50 | No |  | $29058.48 | $2421.54 | $6543.00 | $545.25 | $0.00 | $0.00 | $20673.96 | $25324.25 | $152715.94 | N/A |  |  | $0.00 |  |  | 0.00% | 18.92% | 18.92% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | Yes | 72 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 06/04/2025 | 06/04/2025 |  |  |  | 728 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 61157.34 | 2.4 | 61157.34 | 2.4 | No | 85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 741095 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/15/2025 | 10 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 3183.32 | 07/28/2025 | 6.750% |  |  | No | 10.802% |  | 10.250% |  | $1304.91 | No |  | $3200.76 | $266.73 | $1379.16 | $114.93 | $0.00 | $0.00 | $1236.82 | $2923.39 | $17941.11 | N/A |  |  | $0.00 |  |  | 0.00% | 31.11% | 31.11% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 97.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Other REO Net Rental Income(Loss), SECorporation - Business Bank Statements Verified - 2025, 2024 | Borrower - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 06/27/2025 | 06/27/2025 |  |  |  | 715 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 137700.78 | 47.1 | No | 79.78 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 741398 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/15/2025 | 7.15.25 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 9.875% |  | $981.23 | No |  | $6111.48 | $509.29 | $1391.16 | $115.93 | $4656.00 | $388.00 | $1732.86 | $3727.31 | $10541.47 | Yes | XXXX | XX | $388.00 |  | Monthly | 0.00% | 45.92% | 45.92% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 19 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2025 - 2025 | Borrower - 2025 - 2025 | XXXX | XXXX | XX | XXXX | XXXX | 07/28/2025 | 07/28/2025 |  |  |  | 765 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | N/A |  |  | XXXX |  |  |  | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 5089.36 | 1.4 | 113419.40 | 30.4 | No | 19.48 | Yes | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 741957 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/15/2025 | 3 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 9.750% |  | $2856.69 | No |  | $24403.80 | $2033.65 | $6714.96 | $559.58 | $4464.00 | $372.00 | $8741.62 | $14563.54 | $35136.73 | N/A | XXXX | XX | $372.00 | 10/01/2025 | Monthly | 0.00% | 48.07% | 48.07% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 07/14/2025 | 07/14/2025 |  |  |  | 757 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 65 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| XXXX | 742028 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/15/2025 | 3 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 5787.75 | 08/04/2025 | 6.750% |  |  | No | 10.941% |  | 10.375% |  | $1827.11 | No |  | $2480.52 | $206.71 | $1209.84 | $100.82 | $0.00 | $0.00 | $2210.48 | $4345.12 | $11162.88 | N/A |  |  | $0.00 |  |  | 0.00% | 34.03% | 34.03% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 05/22/2025 | 05/22/2025 |  |  |  | 729 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 79.84 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 742047 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/15/2025 | 3 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 6021.37 | 07/28/2025 | 6.750% |  |  | No | 11.403% |  | 10.875% |  | $1723.39 | No |  | $7508.40 | $625.70 | $1563.24 | $130.27 | $2160.00 | $180.00 | $2497.65 | $5157.01 | $25047.93 | N/A | XXXX | XX | $180.00 | 09/01/2025 | Monthly | 0.00% | 34.21% | 34.21% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 04/30/2025 | 04/30/2025 |  |  |  | 734 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 129025.97 | 25 | No | 80 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 743875 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/15/2025 | 7.15.25 | XXXX | QM: Average Prime Offer Rate (APOR) | Yes | No | No | N/A | N/A | 1990 | 08/04/2025 | 6.750% |  |  | No | 8.211% |  | 8.125% |  | $2747.24 | No |  | $8188.32 | $682.36 | $912.12 | $76.01 | $0.00 | $0.00 | $2367.80 | $5873.41 | $6869.26 | N/A |  |  | $0.00 |  |  | 0.00% | 46.82% | 46.82% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 07/17/2025 | 07/17/2025 |  |  |  | 781 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 365438.43 | 62.2 | No | 63.85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 744287 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/15/2025 | 3 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 11.125% |  | $1923.56 | No |  | $7944.84 | $662.07 | $2752.56 | $229.38 | $0.00 | $0.00 | $2784.08 | $5599.09 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1 | 1 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 07/29/2025 | 07/29/2025 |  |  |  | 721 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 71.29 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 744288 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/15/2025 | 3 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 10.000% |  | $2632.71 | No |  | $5710.32 | $475.86 | $1208.28 | $100.69 | $12468.00 | $1039.00 | $992.19 | $5240.45 | $18205.88 | Yes | XXXX | XX | $1039.00 |  | Monthly | 0.00% | 39.09% | 39.09% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 24 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2023, 2024, 2025 | Borrower - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 07/09/2025 | 07/09/2025 |  |  |  | 740 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 287234.03 | 54.8 | No | 38.43 | Yes | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| XXXX | 745364 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/15/2025 | 3 | XXXX | QM: Average Prime Offer Rate (APOR) | Yes | No | No | N/A | N/A | 3795 | 08/04/2025 | 6.750% |  |  | No | 9.418% |  | 8.875% |  | $1113.90 | No |  | $9172.32 | $764.36 | $2392.56 | $199.38 | $0.00 | $0.00 | $2790.87 | $4868.51 | $13873.99 | N/A |  |  | $0.00 |  |  | 0.00% | 38.25% | 38.25% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 24 | CPA |  |  |  | Yes | 72 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 08/05/2025 | 08/05/2025 |  |  |  | 778 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 129100.80 | 26.5 | No | 67.29 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 745384 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/15/2025 | 3 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 4943.75 | 08/04/2025 | 6.750% |  |  | No | 12.358% |  | 11.875% |  | $1788.35 | No |  | $18125.04 | $1510.42 | $3153.96 | $262.83 | $0.00 | $0.00 | $8262.22 | $11823.82 | $128804.29 | N/A |  |  | $0.00 |  |  | 0.00% | 10.31% | 10.31% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2023, 2024, 2025 | Borrower - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 07/02/2025 | 07/02/2025 |  |  |  | 781 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 169936.85 | 14.4 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 745560 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/15/2025 | 7.15.25 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 4090 | 08/04/2025 | 6.750% |  |  | No | 9.385% |  | 9.000% |  | $1126.47 | No |  | $2837.88 | $236.49 | $5276.04 | $439.67 | $0.00 | $0.00 | $913.59 | $2716.22 | $5216.63 | N/A |  |  | $0.00 |  |  | 0.00% | 34.24% | 34.24% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | N/A | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 120 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | Yes | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 06/19/2025 | 06/19/2025 |  |  |  | 704 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 68.12 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 745689 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | QM: Average Prime Offer Rate (APOR) | Yes | No | No | N/A | N/A | 4045 | 07/28/2025 | 6.750% |  |  | No | 9.143% |  | 8.750% |  | $702.72 | No |  | $2859.48 | $238.29 | $958.32 | $79.86 | $0.00 | $0.00 | $1410.72 | $2431.59 | $2431.66 | N/A |  |  | $0.00 |  |  | 0.00% | 50.00% | 50.00% | No | No |  |  |  |  |  |  | Not Employed | Self-Employed |  |  |  |  | 1YR Full Doc | 0 | 1 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 1 | 1 | 3 | 1 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | Yes | 0 | 0 | 0.00% |  | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - SESCorp - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(K1), 1 YR W2 1099 Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024 - 2024 | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(K1), 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024 - 2024 | XXXX | XXXX | XX | XXXX | XXXX | 07/23/2025 | 07/23/2025 | 07/23/2025 |  |  | 729 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 63.89 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 745867 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/15/2025 | 3 | XXXX | QM: Average Prime Offer Rate (APOR) | Yes | No | No | N/A | N/A | 7857.81 | 08/18/2025 | 6.610% |  |  | No | 8.950% |  | 8.750% |  | $4575.39 | No |  | $12088.56 | $1007.38 | $1209.96 | $100.83 | $0.00 | $0.00 | $3270.98 | $8954.58 | $25877.40 | N/A |  |  | $0.00 |  |  | 0.00% | 35.57% | 35.57% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 07/18/2025 | 07/18/2025 |  |  |  | 776 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX |  |  | I-766 Employment Authorization Document |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 21484.19 | 2.4 | 589354.28 | 65.8 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| XXXX | 745883 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 2 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 24166 | 07/21/2025 | 6.790% |  |  | No | 9.076% |  | 8.875% |  | $4773.87 | No |  | $13151.52 | $1095.96 | $5871.48 | $489.29 | $4716.00 | $393.00 | $4398.46 | $11150.58 | $39766.05 | N/A | XXXX | XX | $393.00 | 10/01/2025 | Monthly | 0.00% | 41.23% | 41.23% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 07/14/2025 | 07/14/2025 |  |  |  | 757 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 380348.87 | 34.1 | No | 21.83 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| XXXX | 746862 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/15/2025 | 3 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 9.375% |  | $3993.43 | No |  | $2881.20 | $240.10 | $5795.40 | $482.95 | $0.00 | $0.00 | $5804.39 | $10520.87 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.331 | 1.331 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 07/09/2025 | 07/09/2025 |  |  |  | 760 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 459209.88 | 43.7 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 747181 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/15/2025 | 3 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 9.375% |  | $3018.52 | No |  | $3098.64 | $258.22 | $5795.40 | $482.95 | $0.00 | $0.00 | $5342.05 | $9101.74 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.052 | 1.052 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 07/09/2025 | 07/09/2025 |  |  |  | 760 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 345572.52 | 38 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 749072 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/15/2025 | 3 | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 9.500% |  | $2648.69 | No |  | $10641.96 | $886.83 | $540.72 | $45.06 | $0.00 | $0.00 | $2818.40 | $6398.98 | $45566.52 | N/A |  |  | $0.00 |  |  | 0.00% | 41.12% | 41.12% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 50.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SEPartnership, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 06/18/2025 | 06/18/2025 |  |  |  | 792 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 303396.53 | 47.3 | No | 69.94 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 749395 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/15/2025 | 7.15.25 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.875% |  | $1288.94 | No |  | $2851.68 | $237.64 | $769.08 | $64.09 | $0.00 | $0.00 | $1233.27 | $2823.94 | $28174.08 | N/A |  |  | $0.00 |  |  | 0.00% | 25.43% | 25.43% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 1 | 1 |  |  | 2 | 1 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 3 | No |  |  |  | 0.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SEPartnership, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S), 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Business Bank Statements Verified, 1040 Schedule E Verified - 2023, 2025 | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S), 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - 2023, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 07/23/2025 | 07/23/2025 |  |  |  | 786 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 228378.96 | 80.9 | 229290.06 | 81.2 | No | 58.64 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| XXXX | 750570 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/15/2025 | 3 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 10.000% |  | $3773.56 | No |  | $9923.64 | $826.97 | $4650.96 | $387.58 | $0.00 | $0.00 | $2705.67 | $7693.78 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.014 | 1.014 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 07/15/2025 | 07/15/2025 |  |  |  | 711 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 54.95 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 750887 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/15/2025 | 3 | XXXX | QM: Average Prime Offer Rate (APOR) | Yes | No | No | N/A | N/A | 15995 | 07/28/2025 | 6.750% |  |  | No | 9.288% |  | 9.250% |  | $6170.07 | No |  | $2392.08 | $199.34 | $3224.16 | $268.68 | $0.00 | $0.00 | $5741.00 | $12379.09 | $24657.73 | N/A |  |  | $0.00 |  |  | 0.00% | 36.75% | 36.75% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 07/25/2025 | 07/25/2025 |  |  |  | 772 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 18904.15 | 1.5 | 262205.43 | 21.2 | No | 67.67 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 751134 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/15/2025 | 7.15.25 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 10.125% |  | $1815.55 | No |  | $10838.40 | $903.20 | $3116.04 | $259.67 | $0.00 | $0.00 | $3055.63 | $6034.05 | $75314.45 | N/A |  |  | $0.00 |  |  | 0.00% | 29.82% | 29.82% | Yes | Yes |  |  |  |  |  |  | Not Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | Yes | N/A | 0 | 12 | 100.00% | 0.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | Yes | 384 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2024 | Borrower \|\| Co Borrower - 3 YRS Executed 4506T Verified - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 07/31/2025 | 07/31/2025 | 07/31/2025 |  |  | 730 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 18573.29 | 3.1 | 183135.49 | 30.4 | No | 80 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | 752289 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | QM: Average Prime Offer Rate (APOR) | Yes | No | No | N/A | N/A | 5370 | 07/21/2025 | 6.790% |  |  | No | 8.446% |  | 8.375% |  | $1900.18 | No |  | $16821.48 | $1401.79 | $8939.16 | $744.93 | $5040.00 | $420.00 | $5664.19 | $10131.09 | $13968.60 | N/A | XXXX | XX | $420.00 |  | Monthly | 0.00% | 42.04% | 42.04% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.21% | 50.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 12 | Yes | 12 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Other - CPA Letter Verified, Business Bank Statements Verified - 2025, 2024 \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - 2025, 2024 \|\| Co Borrower - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 07/23/2025 | 07/23/2025 | 07/23/2025 |  |  | 773 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 43.72 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 752544 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/15/2025 | 7.15.25 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 9.625% |  | $892.49 | No |  | $4218.96 | $351.58 | $3176.04 | $264.67 | $6876.00 | $573.00 | $723.51 | $2805.25 | $9348.18 | Yes | XXXX | XX | $573.00 |  | Monthly | 0.00% | 49.41% | 49.41% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | N/A | 12 | 0 | Yes | N/A | 12 | 0 | 0.00% | 50.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 240 | Yes | 240 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SEPartnership, Retirement, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Personal Bank Statements Verified - 2025, 2024 \|\| Co Borrower - SEPartnership - CPA Letter Verified, 3 YRS Executed 4506T Verified, Personal Bank Statements Verified - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - 2025, 2024 \|\| Co Borrower - 3 YRS Executed 4506T Verified - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 07/30/2025 | 07/30/2025 | 07/30/2025 |  |  | 755 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 4544.48 | 1.6 | 103987.12 | 37.1 | No | 68.43 | Yes | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 752545 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/15/2025 | 7.15.25 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 9.625% |  | $892.49 | No |  | $3994.44 | $332.87 | $2870.04 | $239.17 | $6876.00 | $573.00 | $677.84 | $2715.37 | $9244.73 | Yes | XXXX | XX | $573.00 |  | Monthly | 0.00% | 49.97% | 49.97% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | Yes | NA | No | No | 0 | No | Yes | N/A | 12 | 0 | Yes | N/A | 12 | 0 | 0.00% | 50.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 144 | Yes | 144 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SEPartnership, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Retirement - CPA Letter Verified, 3 YRS Executed 4506T Verified, Award Letter Verified, Personal Bank Statements Verified - 2025, 2024 \|\| Co Borrower - SEPartnership - CPA Letter Verified, 3 YRS Executed 4506T Verified, Personal Bank Statements Verified - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - 2025, 2024 \|\| Co Borrower - 3 YRS Executed 4506T Verified - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 07/30/2025 | 07/30/2025 | 07/30/2025 |  |  | 755 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 4544.49 | 1.7 | 103287.83 | 38 | No | 66.07 | Yes | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 752657 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/15/2025 | 3 | XXXX | QM: Average Prime Offer Rate (APOR) | Yes | No | No | N/A | N/A | 14955 | 08/18/2025 | 6.610% |  |  | No | 9.652% |  | 9.625% |  | $5932.93 | No |  | $13466.28 | $1122.19 | $4003.56 | $333.63 | $0.00 | $0.00 | $3277.07 | $10665.82 | $16911.29 | N/A |  |  | $0.00 |  |  | 0.00% | 42.35% | 42.35% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation - CPA Letter Verified, Business Bank Statements Verified - 2023, 2024, 2025 | Borrower - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 07/28/2025 | 07/28/2025 |  |  |  | 729 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 77724.97 | 7.3 | 773189.51 | 72.5 | No | 74.98 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 758253 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/15/2025 | 7.15.25 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 9.625% |  | $637.49 | No |  | $7246.68 | $603.89 | $1935.00 | $161.25 | $0.00 | $0.00 | $1399.96 | $2802.59 | $10002.98 | N/A |  |  | $0.00 |  |  | 0.00% | 40.25% | 40.25% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA | N/A | N/A | 0 | Yes | 30 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - 2025, 2024 \|\| Co Borrower | Borrower - 3 YRS Executed 4506T Verified - 2025, 2024 \|\| Co Borrower | XXXX | XXXX | XX | XXXX | XXXX | 08/15/2025 | 08/15/2025 | 08/15/2025 |  |  | 754 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 25420.41 | 9.1 | No | 9.68 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | 758254 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/15/2025 | 7.15.25 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 9.750% |  | $711.39 | No |  | $5674.20 | $472.85 | $1275.96 | $106.33 | $0.00 | $0.00 | $2029.90 | $3320.47 | $81410.03 | N/A |  |  | $0.00 |  |  | 0.00% | 21.38% | 21.38% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 2 |  | NA |  | N/A | 0 |  |  | 1 | 1 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 33.31% |  |  | Borrower Prepared | 12 | Borrower |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S), YTD Profit And Loss Verified, 2 YRS W2 1099 Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023, 2025, 2024 | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S), 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023, 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 05/06/2025 | 05/06/2025 |  |  |  | 721 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | .00 | 0 | 69617.69 | 21 | No | 79.83 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 758368 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | QM: Average Prime Offer Rate (APOR) | Yes | No | No | N/A | N/A | 2245 | 08/11/2025 | 6.630% |  |  | No | 8.413% |  | 8.250% |  | $766.29 | No |  | $3386.76 | $282.23 | $1425.36 | $118.78 | $0.00 | $0.00 | $2006.24 | $3173.54 | $6287.20 | N/A |  |  | $0.00 |  |  | 0.00% | 35.25% | 35.25% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 360 | 32 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 07/28/2025 | 07/28/2025 |  |  |  | 721 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 23052.75 | 7.3 | No | 57.44 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 758404 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/15/2025 | 3 | XXXX | QM: Average Prime Offer Rate (APOR) | Yes | No | No | N/A | N/A | 3495 | 08/25/2025 | 6.630% |  |  | No | 8.751% |  | 8.500% |  | $1922.28 | No |  | $6341.16 | $528.43 | $1916.04 | $159.67 | $5640.00 | $470.00 | $1731.66 | $4812.04 | $14556.97 | Yes | XXXX | XX | $470.00 |  | Monthly | 0.00% | 26.48% | 26.48% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 08/18/2025 | 08/18/2025 |  |  |  | 809 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 20225.04 | 4.2 | 265188.20 | 55.1 | No | 60.73 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| XXXX | 759178 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/15/2025 | 7.15.25 | XXXX | QM: Average Prime Offer Rate (APOR) | Yes | No | No | N/A | N/A | 3220 | 08/25/2025 | 6.630% |  |  | No | 8.734% |  | 8.500% |  | $1537.83 | No |  | $18039.48 | $1503.29 | $1653.00 | $137.75 | $0.00 | $0.00 | $6157.17 | $9336.04 | $11459.96 | N/A |  |  | $0.00 |  |  | 0.00% | 46.50% | 46.50% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 24 | 24 | FNMA 1005 |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Overtime and Bonus - Written VOE Verified - 2023, 2024, 2025 | Borrower - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 08/07/2025 | 08/07/2025 |  |  |  | 768 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 61.56 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 759187 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 13139.25 | 08/18/2025 | 6.610% |  |  | No | 8.900% |  | 8.750% |  | $2635.45 | No |  | $8760.72 | $730.06 | $2118.96 | $176.58 | $0.00 | $0.00 | $2770.17 | $6312.26 | $15674.03 | N/A |  |  | $0.00 |  |  | 0.00% | 28.71% | 28.71% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 120 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 07/17/2025 | 07/17/2025 |  |  |  | 784 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 327553.01 | 51.9 | No | 79.95 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 759372 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | QM: Average Prime Offer Rate (APOR) | Yes | No | No | N/A | N/A | 5458 | 08/11/2025 | 6.630% |  |  | No | 8.454% |  | 8.375% |  | $1938.18 | No |  | $6827.40 | $568.95 | $3884.16 | $323.68 | $0.00 | $0.00 | $1997.54 | $4828.35 | $5596.86 | N/A |  |  | $0.00 |  |  | 0.00% | 49.27% | 49.27% | No | No |  |  |  |  |  |  | Self-Employed | Retired |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | Yes | Yes | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 0.00% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 60 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, SESoleProprietor, SSI and Disability - CPA Letter Verified, 3 YRS Executed 4506T Verified, Award Letter Verified, Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower - SSI and Disability - Award Letter Verified - 2024 - 2024 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 \|\| Co Borrower - 2024 - 2024 | XXXX | XXXX | XX | XXXX | XXXX | 08/08/2025 | 08/08/2025 | 08/08/2025 |  |  | 770 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 239479.32 | 49.6 | No | 56.97 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | 761954 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/15/2025 | 7.15.25 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.375% |  | $1368.13 | No |  | $10440.96 | $870.08 | $888.96 | $74.08 | $0.00 | $0.00 | $2311.21 | $4623.50 | $6949.89 | N/A |  |  | $0.00 |  |  | 0.00% | 43.65% | 43.65% | Yes | Yes |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 2 | 0 | 2 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Subject Property Net Rental Income(Loss) if NOO, Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - 2023, 2024, 2025 \|\| Co Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - 2023, 2024, 2025 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - 2023, 2024, 2025 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 08/04/2025 | 08/04/2025 | 08/04/2025 |  |  | 749 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | Permanent Resident Alien | Permanent Non-US Citizen |  |  |  |  | XXXX |  |  |  | I-151 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 74.76 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 762466 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/15/2025 | 3 | XXXX | QM: Average Prime Offer Rate (APOR) | Yes | No | No | N/A | N/A | 7690 | 08/25/2025 | 6.630% |  |  | No | 8.841% |  | 8.750% |  | $2360.10 | No |  | $8342.88 | $695.24 | $1817.52 | $151.46 | $0.00 | $0.00 | $2249.68 | $5456.48 | $22693.55 | N/A |  |  | $0.00 |  |  | 0.00% | 39.06% | 39.06% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 08/21/2025 | 08/21/2025 |  |  |  | 790 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 293282.30 | 53.8 | No | 52.91 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 763312 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/15/2025 | 3 | XXXX | QM: Average Prime Offer Rate (APOR) | Yes | No | No | N/A | N/A | 16990 | 07/14/2025 | 6.750% |  |  | No | 9.410% |  | 9.125% |  | $6102.25 | No |  | $27121.32 | $2260.11 | $2379.00 | $198.25 | $0.00 | $0.00 | $6741.35 | $15301.96 | $53539.03 | N/A |  |  | $0.00 |  |  | 0.00% | 30.07% | 30.07% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 92.60% | 100.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | Yes | 24 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor, SEPartnership, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower - SEPartnership - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 \|\| Co Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 07/15/2025 | 07/15/2025 | 07/15/2025 |  |  | 727 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 20391.18 | 1.3 | 20391.18 | 1.3 | No | 47.91 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX |  |  |

---

## Exhibit 99.2

[VISTA POINT ASSETS LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.2 - Schedule 6**

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| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXXX | 607187 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 18.8 | 84.38 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XXXX |
| XXXX | 623877 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 12.66 | 64.2 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 630824 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | AVM |  |  | XXXX | 13.93 | 43.86 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 635237 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 21.58 | 56.43 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXX |
| XXXX | 636622 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 30.67 | 58.06 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 640139 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | AVM |  |  | XXXX | 9.09 | 41.4 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 640140 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 23.33 | 59.41 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XXXX |
| XXXX | 640887 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 11.82 | 41.2 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 | XXXX |
| XXXX | 643019 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 38.78 | 63.88 | XXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1.9 | XXXX |
| XXXX | 646358 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 13.85 | 79.96 | XXXX | XXXX | -.0445 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0445 | 94.0 | 0.06 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XXXX |
| XXXX | 648336 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 27.87 | 73.44 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | 651120 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 12.15 | 69.94 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | XXXX |
| XXXX | 651874 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 19.51 | 46.71 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XXXX |
| XXXX | 653830 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 27.14 | 62.89 | XXXX | XXXX | -.0003 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0003 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 657003 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 2055 Exterior Only Inspection Report | XXXX | XXXX | XXXX | 24.69 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 657004 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 2055 Exterior Only Inspection Report | XXXX | XXXX | XXXX | 23.38 | 79.51 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 657005 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | AVM |  |  | XXXX | 23.08 | 67.78 | XXXX | XXXX | .0123 | 2055 Exterior Only Inspection Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0123 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 658052 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 21.51 | 67.98 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 658053 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 28.7 | 64.53 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XXXX |
| XXXX | 659852 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 24.81 | 61.87 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 662541 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 23.47 | 72.28 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 664648 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 15.39 | 70.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| XXXX | 664683 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 9.0 | 75.0 | XXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1.7 | XXXX |
| XXXX | 665449 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 20.56 | 48.22 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 665874 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 30.52 | 59.94 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 667284 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 29.19 | 64.35 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 667636 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 27.91 | 79.83 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 667637 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 38.23 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 667662 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 12.12 | 75.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1 | XXXX |
| XXXX | 667704 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 20.33 | 54.75 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | XXXX | Not Eligible | 1 | XXXX |
| XXXX | 668271 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 7.78 | 67.85 | XXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1.2 | XXXX |
| XXXX | 669912 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 14.1 | 69.86 | XXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 2.4 | XXXX |
| XXXX | 670102 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 24.01 | 70.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 670103 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | AVM |  |  | XXXX | 10.67 | 31.65 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 670104 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 2055 Exterior Only Inspection Report | XXXX | XXXX | XXXX | 15.04 | 47.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 670105 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 27.53 | 84.93 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| XXXX | 671705 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 28.88 | 79.75 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 673244 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 12.82 | 55.23 | XXXX | XXXX | -.0316 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0316 | 90.0 | 0.1 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXX |
| XXXX | 676029 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 39.58 | 80.0 | XXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible |  |  |
| XXXX | 676059 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 16.96 | 69.99 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XXXX |
| XXXX | 677587 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 16.3 | 58.99 | XXXX | XXXX | -.0464 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0464 | 96.0 | 0.04 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 677591 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 24.54 | 55.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 677637 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 24.42 | 78.89 | XXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible |  |  |
| XXXX | 677664 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 25.88 | 69.96 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 679138 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 22.55 | 84.82 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 679569 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 23.04 | 73.96 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XXXX |
| XXXX | 679570 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | AVM |  |  | XXXX | 27.8 | 74.92 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 680950 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 10.0 | 58.56 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 681138 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 23.11 | 55.35 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | XXXX | Not Eligible | 1.5 | XXXX |
| XXXX | 682385 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 37.5 | 67.75 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 683334 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 15.82 | 69.78 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 684056 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 24.14 | 77.93 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXX |
| XXXX | 684151 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 25.88 | 79.89 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 684482 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 33.25 | 69.92 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 685079 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | AVM |  |  | XXXX | 10.69 | 58.39 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 689867 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 5.48 | 75.08 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 689868 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | AVM |  |  | XXXX | 16.03 | 46.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 689996 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 23.52 | 47.24 | XXXX | XXXX | -.0306 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0306 | 90.0 | 0.1 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX |
| XXXX | 692342 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 22.93 | 70.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0848 | 92.0 | 0.08 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 692359 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 20.19 | 79.99 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 692379 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 30.86 | 69.87 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | XXXX | Not Eligible |  |  |
| XXXX | 692770 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 26.72 | 74.06 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 693664 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 2055 Exterior Only Inspection Report | XXXX | XXXX | XXXX | 25.83 | 59.59 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 694277 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 17.03 | 70.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXX |
| XXXX | 694329 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 19.23 | 77.21 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1 | XXXX |
| XXXX | 694839 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 30.46 | 69.71 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 695198 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 15.94 | 73.26 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | XXXX |
| XXXX | 696424 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 15.37 | 56.1 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1.5 | XXXX |
| XXXX | 697378 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 16.47 | 89.8 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 697681 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 25.88 | 74.84 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1.8 | XXXX |
| XXXX | 697717 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 17.38 | 69.92 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 697729 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 13.54 | 79.95 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 698141 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | AVM |  |  | XXXX | 19.14 | 45.73 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 698160 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | AVM |  |  | XXXX | 11.02 | 65.26 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 699136 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | AVM |  |  | XXXX | 14.12 | 68.67 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 699814 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 14.97 | 63.89 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 700314 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 30.39 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | LOW | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 700317 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 18.29 | 69.75 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 | XXXX |
| XXXX | 700365 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | AVM |  |  | XXXX | 11.42 | 73.17 | XXXX | 0.0 | .0000 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 700368 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 24.19 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 700704 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 32.38 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | XXXX |
| XXXX | 701013 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 8.57 | 65.55 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 703579 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 21.6 | 68.52 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |
| XXXX | 703603 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 18.76 | 64.96 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 704829 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 19.12 | 69.9 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | XXXX |
| XXXX | 704985 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 22.1 | 79.42 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | XXXX | Not Eligible | 1.8 | XXXX |
| XXXX | 705122 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | AVM |  |  | XXXX | 9.34 | 83.86 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 705497 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 11.1 | 45.15 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 | XXXX |
| XXXX | 705542 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 14.29 | 69.28 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 705689 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 15.88 | 42.7 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 705741 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | AVM |  |  | XXXX | 16.77 | 74.96 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 705798 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | AVM |  |  | XXXX | 8.4 | 72.54 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 707687 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 32.24 | 69.98 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 2 | XXXX |
| XXXX | 707928 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 17.86 | 65.76 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 707929 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 33.55 | 71.17 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 712152 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 23.81 | 74.21 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1 | XXXX |
| XXXX | 712335 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 20.0 | 71.13 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | XXXX |
| XXXX | 712618 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 7.73 | 50.88 | XXXX | XXXX | .0103 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0103 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 714254 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 14.42 | 58.6 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | XXXX |
| XXXX | 714507 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 13.07 | 85.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 714925 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 30.65 | 64.85 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | XXXX |
| XXXX | 715248 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | AVM |  |  | XXXX | 9.65 | 69.97 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 715324 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 19.67 | 65.57 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | XXXX |
| XXXX | 715325 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 24.07 | 72.94 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | XXXX |
| XXXX | 715326 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | AVM |  |  | XXXX | 19.34 | 72.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 715484 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 19.87 | 33.26 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 | XXXX |
| XXXX | 715527 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 11.64 | 66.61 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | XXXX |
| XXXX | 715575 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 18.0 | 75.0 | XXXX | XXXX | -.0852 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0852 | 91.0 | 0.09 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | XXXX |
| XXXX | 716189 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 13.51 | 74.73 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | XXXX |
| XXXX | 716477 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 34.97 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 720264 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 11.32 | 58.26 | XXXX | XXXX | -.0943 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0943 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | XXXX |
| XXXX | 720301 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 20.0 | 50.51 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 720701 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 7.54 | 79.86 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | XXXX |
| XXXX | 720916 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 27.27 | 67.13 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 721122 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 35.19 | 79.94 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| XXXX | 721624 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 28.17 | 60.13 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 723534 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 21.48 | 71.57 | XXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |
| XXXX | 724188 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 23.39 | 62.25 | XXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible |  |  |
| XXXX | 724316 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | AVM |  |  | XXXX | 46.97 | 80.0 | XXXX | XXXX | .1344 | 2055 Exterior Only Inspection Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .1044 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .1344 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 724318 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 22.45 | 70.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | XXXX | Not Eligible |  |  |
| XXXX | 725470 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 15.0 | 57.63 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 726014 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 20.0 | 69.21 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | XXXX |
| XXXX | 726095 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 24.72 | 70.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | XXXX |
| XXXX | 728740 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 25.75 | 51.55 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 728826 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 7.7 | 67.86 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1.4 | XXXX |
| XXXX | 728827 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | AVM |  |  | XXXX | 17.71 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 728937 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 28.67 | 74.91 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 730608 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 14.2 | 84.85 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | XXXX |
| XXXX | 731111 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 36.04 | 74.98 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 731270 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 36.67 | 73.89 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 731886 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 19.51 | 58.9 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1.4 | XXXX |
| XXXX | 731964 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 17.25 | 54.06 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 732461 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 25.61 | 58.69 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 732462 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | AVM |  |  | XXXX | 14.28 | 66.72 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 732485 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 19.63 | 79.99 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 732494 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 12.01 | 44.55 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .1294 | 86.0 | 0.14 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 733046 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 6.87 | 63.49 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 736024 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 24.45 | 62.4 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible |  |  |
| XXXX | 737377 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | AVM |  |  | XXXX | 8.37 | 63.5 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 738097 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 18.35 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | XXXX |
| XXXX | 739622 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 37.63 | 81.26 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| XXXX | 739623 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 11.11 | 61.22 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | XXXX |
| XXXX | 739820 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 5.0 | 85.0 | XXXX | 0.0 | .0000 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0000 | XXXX | 1004 URAR | XXXX | XXXX | -.0186 | 95.0 | 0.05 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 741095 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 33.1 | 79.78 | XXXX | XXXX | -.0920 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0920 | 93.0 | 0.07 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XXXX |
| XXXX | 741398 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 19.48 | 68.83 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 741957 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 12.28 | 65.0 | XXXX | XXXX | -.0042 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0042 | 95.0 | 0.05 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 742028 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 24.43 | 79.84 | XXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1.8 | XXXX |
| XXXX | 742047 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 19.65 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 743875 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 26.43 | 63.85 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 744287 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 18.43 | 71.29 | XXXX | XXXX | -.0829 | 2000 One Unit Appraisal Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 744288 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 26.57 | 38.43 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.1423 | 81.0 | 0.19 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 745364 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 12.94 | 67.29 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXX |
| XXXX | 745384 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 11.14 | 90.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XXXX |
| XXXX | 745560 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 28.0 | 68.12 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXX |
| XXXX | 745689 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | AVM |  |  | XXXX | 16.51 | 63.89 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 745867 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 37.52 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | XXXX |
| XXXX | 745883 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 12.5 | 21.83 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 746862 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 20.43 | 70.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 747181 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 17.7 | 70.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 749072 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 25.2 | 69.94 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 749395 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 2055 Exterior Only Inspection Report | XXXX | XXXX | XXXX | 24.55 | 58.64 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 750570 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 25.6 | 54.95 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.2668 | 82.0 | 0.18 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 750887 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 27.78 | 67.67 | XXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible |  |  |
| XXXX | 751134 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 21.33 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 752289 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | AVM |  |  | XXXX | 8.13 | 43.72 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 752544 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 32.61 | 68.43 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX |
| XXXX | 752545 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 33.12 | 66.07 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 752657 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 37.73 | 74.98 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 758253 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | AVM |  |  | XXXX | 9.68 | 51.8 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 758254 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 15.59 | 79.83 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 758368 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | AVM |  |  | XXXX | 19.17 | 57.44 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 758404 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | AVM |  |  | XXXX | 36.5 | 60.73 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 759178 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 10.47 | 61.56 | XXXX | XXXX | -.0419 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0419 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 759187 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 29.91 | 79.95 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | 759372 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | AVM |  |  | XXXX | 19.51 | 56.97 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 761954 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 17.65 | 74.76 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | XXXX |
| XXXX | 762466 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | AVM |  |  | XXXX | 24.38 | 52.91 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 763312 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 16.67 | 47.91 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | XXXX |

---

## Exhibit 99.3

[VISTA POINT ASSETS LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.3**

![](ex993001.jpg)

**EXECUTIVE SUMMARY**<br> **VSTA 2025-CES3**

**<u>Description of the due diligence performed</u>**

**Overview of the assets that were reviewed**

Incenter Lender Services LLC, c/k/a Incenter Diligence Solutions ("Incenter Diligence"), performed an independent third-party due diligence review of 160 loans acquired by Vista Point Mortgage, LLC (the "Client"). The review was performed from May 2025 through September 2025 using the scope of review described herein, which was agreed to at the time of review. The results of the review performed by Incenter Diligence only reflect information concerning the related loans on which such review was performed as of the date such review was performed based on the scope of review used as of the date such review was performed and not as of any subsequent date. Incenter Diligence has not subsequently performed any review with respect to the loans, and Incenter Diligence will not be required to complete or provide any additional, new, or refreshed review or results with respect to the loans.

**Sampling of assets**

Incenter Diligence follows the nationally recognized statistical rating organizations, NRSRO(s), criteria. For all originators, Incenter Diligence performed review on 100% of the loans. The loan population was 160 loans for an aggregate original principal balance of $44,771,651.00.

The review was conducted in accordance with the following NRSRO(s) Third Party Due Diligence Criteria:

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Identity of NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;DBRS, Inc. | &nbsp;&nbsp;Third-Party Due-Diligence and Representations & Warranties Criteria for U.S. RMBS Transactions – September 30, 2024 |

---

**Data integrity, review scope and methodology**

**Data Integrity –** Incenter Diligence performed a data integrity analysis by comparing the information in the loan file against the data tape supplied by the Client to ascertain accuracy and completeness. All discrepancies are reported on the Data Comparison Report

The data comparison consisted of the following data fields:

---

| |
|:---|
| &nbsp;&nbsp;**Data Compare Field Name** |
| &nbsp;&nbsp;ARM Interest Data |
| &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;Borrower 1 First Name |
| &nbsp;&nbsp;Borrower 1 Last Name |
| &nbsp;&nbsp;Borrower 2 First Name |
| &nbsp;&nbsp;Borrower 2 Last Name |
| &nbsp;&nbsp;Borrower 1 FTHB |
| &nbsp;&nbsp;Borrower 2 FTHB |
| &nbsp;&nbsp;Doc Type |

---

Page **1** of **18**

![](ex993001.jpg)

---

| |
|:---|
| &nbsp;&nbsp;First Payment Date |
| &nbsp;&nbsp;Interest Only Flag |
| &nbsp;&nbsp;Lien Position |
| &nbsp;&nbsp;Loan Program |
| &nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;Loan Type |
| &nbsp;&nbsp;Maturity Date |
| &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;Number of Units |
| &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;Original Interest Rate |
| &nbsp;&nbsp;Original Loan Amount |
| &nbsp;&nbsp;Original Loan Term |
| &nbsp;&nbsp;Original P&I |
| &nbsp;&nbsp;Originator DSCR |
| &nbsp;&nbsp;Prepayment Penalty |
| &nbsp;&nbsp;Property Address |
| &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Property Zip Code |
| &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;QM Designation |
| &nbsp;&nbsp;Qualifying Appraised Value |
| &nbsp;&nbsp;Qualifying CLTV |
| &nbsp;&nbsp;Qualifying FICO |
| &nbsp;&nbsp;Qualifying LTV |
| &nbsp;&nbsp;Qualifying Total DTI |
| &nbsp;&nbsp;Refinance Type |
| &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Subordinate Lien Amount |
| &nbsp;&nbsp;Underwriting Guideline Name |

---

**Underwriting Conformity (<u>Standard Residential Loans</u>)**

Incenter Diligence performed a complete review of all loan files, as supplied by the Client, to determine whether the loans were originated in accordance with the underwriting guidelines provided by the Client (which, for the avoidance of doubt, may be either the Client's or a third party's underwriting guidelines), eligibility requirements, Ability to Repay (ATR), Qualified Mortgage and Appendix Q requirements (where applicable), and applicable Policies & Procedures, noting any exceptions and compensating factors. The review included, where applicable, the following items:

**Conformance to Ability to Repay (ATR) standards** – Incenter Diligence reviewed each loan to validate that the underwriter correctly assessed the borrower's ability to repay based on employment and credit/repayment history,

Page **2** of **18**

![](ex993001.jpg)

income and assets, projected monthly payment and current obligations, debt to income ratio, and other information provided to support ability to repay prior to originating the loan.

**An evaluation of Qualified Mortgage and Appendix Q requirements, if applicable** – Based on the information provided, Incenter Diligence will review each loan to determine that it satisfies all requirements for a Qualified Mortgage, if designated as such, including an evaluation of points and fees, risk factors associated with the loan terms, re-calculation of debt to income and a review of all income and assets.

**Credit, Income, Assets and Employment**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. Validate
 that the appropriate employment and income documentation, such as pay stubs, tax transcripts,
 and bank statements, was provided and used to accurately qualify the borrower according
 to guidelines. Recalculate the borrower's income and debt to determine the appropriate
 debt to income ratio in accordance with the guidelines. Validate borrower's employment
 history and confirm that the appropriate income and assets were used to qualify. Make
 a reasonable assessment of whether there are any indications that income documentation
 may be fraudulent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. Validate
 that assets used to qualify the borrower match the documentation in the file and the
 information used to calculate down payment, closing costs, and reserves meet program
 guideline requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. Review
 exceptions, compensating factors and underwriter comments, if available.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;D. Review
 program guidelines against the loan approval for discrepancies such as:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Employment
 requirements;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Income
 requirements;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Asset
 requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;E. Review
 the loan approval against all supporting documentation and loan application to verify
 accuracy.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;F. Review
 the initial loan application against the final loan application or other loan applications
 found in the file to validate the application was signed and properly completed and to
 expose discrepancies.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;G. Confirm
 that credit report(s) and verification of mortgage or rental history, when required,
 have been provided for all borrowers/guarantors, are consistent with loan approval, and
 meet guideline requirements. Verify whether any fraud alerts are listed on the credit
 reports and make a reasonable assessment of whether the borrower's profile adheres
 to applicable guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;H. Review
 the loan file for inconsistencies based on information derived from source documentation
 provided in the loan file, for the purposes of identifying misrepresentations contained
 in the loan file, including with respect to occupancy and mortgage liabilities.

**Occupancy, Taxes, Title and Insurance**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. Review
 source documents for consistency with regard to subject property occupancy intent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. Review
 the title report for possible judgments and other liens that may have existed upon origination;
 verify chain of title, as required by guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. Verify
 and validate the file contains sufficient property insurance coverage as required by
 guidelines; confirm property insurance policy contains appropriate mortgagee clause.
 For subject properties located in a Special Flood Hazard Area where flood insurance is
 required, verify and validate the file contains sufficient flood insurance coverage as
 required by guidelines and that flood insurance policy contains appropriate mortgagee
 clause.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;D. Review
 property details on appraisal including a review for ineligible properties.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;E. Verify
 that Business Purpose Affidavit and Occupancy Affidavit, if applicable, were executed
 by the borrowers/guarantors and confirm that document addresses are consistent with subject
 property address and do not match the primary residence address.

Page **3** of **18**

![](ex993001.jpg)

**Underwriting Conformity (<u>Business Purpose/DSCR</u>)**

For each loan, Incenter Diligence validated conformance to Client supplied and program requirements and noted any exceptions. Unless otherwise directed by the Client, no regulatory compliance review was performed.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. Validate
 Conformance to Product Type and Eligibility

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Financing
 Terms

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Loan
 Product

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Seasoning

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Geographic
 Requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Loan
 Amount

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. LTV/CLTV

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. Transaction
 Types: Verify Conformance with Business Purpose Loan Requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Business
 Purpose Affidavit – verify signed Borrower Statement of Business Purpose is present
 in the file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Non-Owner
 Occupancy – verify Occupancy certification is present in the file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Validate
 that there is no information in the loan that contradicts occupancy type

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. Review
 Debt Service Coverage Ratio

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;D. Review
 Cash Flow and Expense Factor

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;E. Review
 Hazard/Flood Insurance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;F. Review
 preliminary Title Report/Commitment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;G. Credit
 Review

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Validate
 documentation requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Verify
 acceptable Residency Status

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Review
 credit reports used to qualify borrower, as well as consumer credit history/charge offs/collections,
 and cite any exceptions or unusual findings

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Evaluate
 credit scores and tradelines against guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Evaluate
 other debt obligations (alimony, child support, etc.)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. If
 required, verify that a 3rd party fraud report (DataVerify, etc.) is contained in the
 loan file and review findings to confirm all deficiencies were resolved

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Evaluate
 borrower's mortgage/rental payment history using credit reports or other information
 supplied in the loan file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Verify
 that all judgements/liens/tax liens have been satisfied

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Verify
 that any bankruptcy, foreclosure or forbearance activity is in accordance with guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Perform
 a review of all asset information supplied in the loan file against guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. Evaluate
 borrowers' asset utilization and verify sufficient liquid assets to supplement
 income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. Perform
 a rental income analysis using the information supplied in the loan file as per the guidelines

**Property Valuation Review (Standard Residential and Business Purpose/DSCR Loans)**

Incenter Diligence reviewed all loans to validate the original appraisal report was provided in the loan file and that it is substantially complete. The evaluation will include the following components:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. Review
 the original appraisal report to ensure the valuation was performed by a licensed appraiser
 and in accordance with guidelines,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. Verify
 subject property type meets applicable guidelines,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. Note
 any exceptions to stated value or appraisal guidelines,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;D. Verify
 value used to calculate LTV/CLTV and note any deviations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;E. Verify
 that the loan and property data within the appraisal report matches the loan documents.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;F. Review
 the appraisal report to ensure report value is "as is" or, if report is "subject
 to", that there is an associated completion report resolving all noted issues,
 and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;G. Review
 additional valuation products in the file; if there is a variance greater than 10% below
 the appraisal value, Client will be notified and an additional independent valuation
 product will be obtained as requested.

Page **4** of **18**

![](ex993001.jpg)

**Regulatory Compliance Review (Standard Residential Loans Only, Unless Otherwise Requested)**

Incenter Diligence's Regulatory Compliance analysis is intended to expose certain potential risk associated with the loans examined. It is strictly limited to the review scope outlined below and is based solely on the accuracy of the documentation and data supplied by the Client or other agreed upon third parties. The review findings are not guaranteed to encompass all critical elements related to the underwriting, origination or regulatory compliance status of the loans examined. Further, the findings are not to be construed as guidance on future indicators of positive or negative performance.

Incenter Diligence will perform a review of all loans supplied by the Client to verify all documentation provided is complete and complies with all applicable federal and state regulatory requirements, in addition to following the RMBS 4.0 TRID Compliance Review Scope published by the Structured Finance Industry Group (now the Structured Finance Association or "SFA") (the "SFIG Compliance Review Scope"), as amended from time to time, and the advice of outside counsel. As it relates to TILA-RESPA Integrated Disclosures ("TRID") testing, Incenter Diligence works with outside counsel on an ongoing basis to understand and interpret compliance regulations based on recent guidance by the Consumer Financial Protection Bureau (the "CFPB") that has created deviations in the TRID review scope and related exceptions/cures. The TRID-related review scope, outlined below and not performed for investment properties, will continue to be amended where appropriate as future guidance and rules are published. Incenter Diligence's conclusions are representative of best efforts to identify material risks and exceptions associated with each loan based on interpretation of the continually evolving regulations. Incenter Diligence maintains an active dialogue with outside counsel, Clients, Rating Agencies, SFA and other parties when interpreting compliance regulations and amending the review scope to accurately expose the risk associated with a loan. However, no guaranties can be made that the Review includes all areas of risk that may be present in the Transaction. In addition to the foregoing, Incenter Diligence utilizes nationally recognized integrated compliance analyzer tools.

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

Incenter Diligence reviews each loan to validate compliance with the following federal and state regulatory requirements, whenever applicable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**A.** **Truth In Lending Act - 12 CFR §1026 ("TILA")** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Federal
 TILA

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Finance
 Charge Test (12 CFR §1026.18(d)(1))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. It
 is understated by no more than $100; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. It
 is greater than the amount required to be disclosed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Rescission
 Finance Charge Test (12 CFR §1026.23(h)(2)(i))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. It
 is understated by no more than $35; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. It
 is greater than the amount required to be disclosed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Rescission
 Total of Payments Test ((12 CFR §1026.23(h)(2)(ii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Is
 understated by no more than $35; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Is
 greater than the amount required to be disclosed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Foreclosure
 Rescission Finance Charge and Total of Payments Tests (12 CFR §1026.23(h))

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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;e. APR
 Test 12 CFR (§1026.22(a)(2), (4))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 disclosed annual percentage rate (APR) is considered accurate because it is not more
 than 1/8 of 1 percentage (for regular transactions) or 1/4 of 1 percentage (for irregular
 transactions) point above or below the APR as determined in accordance with the actuarial
 method; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The
 disclosed APR results from the disclosed finance charge, and the disclosed finance charge
 is considered accurate under §1026.18(d)(1) (the finance charge test), or for purposes
 of rescission the disclosed finance charge is considered accurate under §1026.23(g)
 or (h) (the rescission finance charge test or the foreclosure rescission finance charge
 test), whichever applies

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Right
 of Rescission Test (12 CFR §1026.23(a)(3), §1026.15(a)(3))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 funding date is not before the third business day following consummation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The
 consumer may exercise the right to rescind until midnight of the third business day following
 consummation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Validate
 Right of Rescission Notice was provided, and the correct form was used

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Dual
 Broker Compensation Test (12 CFR §1026.36(d)(2))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If
 any loan originator receives compensation directly from a consumer in a consumer credit
 transaction secured by a dwelling, no loan originator shall receive compensation, directly
 or indirectly, from any other person other than the consumer in connection with the transaction
 for loan origination activities

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Loan
 Originator Credits Test (12 C.F.R. §1026.36(d)(1))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Test
 that the initial disclosure (GFE/TIL/LE) does not contain any broker fees paid by the
 broker

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Financing
 of Single Premium Credit Insurance Test (12 CFR §1026.36 (i))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. A
 creditor may not finance, directly or indirectly, any premiums or fees for credit insurance
 in connection with a consumer credit transaction secured by a dwelling (including a home
 equity line of credit secured by the consumer's principal dwelling)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. TIL
 Disclosure (Pre-TRID)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. TIL
 Disclosure Date Test (12 CFR §1026.17(b),1026.19(a))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 loan is a mortgage transaction subject to the Real Estate Settlement Procedures Act (12
 U.S.C. §2601 et seq.) that is secured by the consumer's dwelling; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The
 initial TIL disclosure date is not later than the third business day (counting days on
 which the creditor's offices are open to the public for carrying on substantially all
 of its business functions) after the creditor receives the consumer's written application;
 and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. The
 initial TIL disclosure date is not later than the seventh business day (counting all
 calendar days except Sunday and specified legal public holidays) before consummation
 of the transaction, or the application date of the loan is before July 30, 2009; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. The
 loan is a "residential mortgage transaction" subject to the Real Estate Settlement
 Procedures Act (12 U.S.C. §2601 et seq.); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. The
 initial TIL disclosure date is before consummation or three business days after the creditor
 receives the consumer's written application, whichever is earlier; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Test
 the final TIL disclosure and any re-disclosed TIL(s); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. The
 final TIL disclosure is properly executed; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. The
 final TIL disclosure and any re-disclosed TIL(s) is properly completed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. TILA
 RESPA Integrated Disclosures (TRID)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Initial
 Loan Estimate Delivery Date Test (from application) (12 CFR §1026.19(e)(1)(iii)(A))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i)
 (provision of loan estimate form) not later than the third business day after the creditor
 receives the consumer's application

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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;b. Initial
 Loan Estimate Delivery Date Test (prior to consummation) (12 CFR §1026.19(e)(1)(iii)(B))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(e)(1)(i)
 (provision of loan estimate form) not later than the seventh business day before consummation
 of the transaction

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Loan
 Estimate (12 CFR §1026.19 and 37)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Verify
 applicable sections of the disclosure determined to carry assignee liability were accurately
 completed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Verify
 final Loan Estimate was provided to borrower prior to the Closing Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Written
 List of Service Providers (SSPL) Disclosure Date Test (12 CFR §1026.19(e)(1)(vi))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If
 the consumer is permitted to shop for a settlement service, the creditor shall provide
 the consumer with a written list identifying available providers of that settlement service
 and stating that the consumer may choose a different provider for that service. The creditor
 must identify at least one available provider for each settlement service for which the
 consumer is permitted to shop. The creditor shall provide this written list of settlement
 service providers separately from the disclosures required by §1026.19(e)(1)(e)(1)(i)
 but in accordance with the timing requirements in §1026.19(e)(1)(e)(1)(iii)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Revised
 Loan Estimate Delivery Date Test (prior to consummation) (12 CFR §1026.19(e)(4)(ii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i)
 on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i).
 The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i)
 not later than four business days prior to consummation. If the revised version of the
 disclosures required under §1026.19(e)(1)(i) is not provided to the consumer in
 person, the consumer is considered to have received such version three business days
 after the creditor delivers or places such version in the mail

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Valid
 Change of Circumstances Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 changed circumstance(s) form was provided and the reason for re-disclosure is:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Changed
 circumstance affecting settlement charges; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Changed
 circumstance affecting eligibility; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Revisions
 requested by the consumer; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Expiration
 of initial loan estimate; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Delayed
 settlement date on a construction loan for new construction transactions only; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. The
 date the rate was set was not provided and interest rate dependent charges change once
 the interest rate is locked; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. The
 reason for re-disclosure is "Decrease in charges affecting settlement or eligibility,
 a consumer-requested revision, or other non-tolerance-related re-disclosure;" or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. The
 initial loan estimate was not delivered timely

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Initial
 Closing Disclosure Delivery Date Test (12 CFR §1026.19(f)(1)(ii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 creditor shall ensure that the consumer receives the disclosures required under paragraph
 §1026.19(f)(1)(i) no later than three business days before consummation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Closing
 Disclosure Test (12 CFR §1026.19 and 38)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Verify
 applicable sections of the disclosure determined to carry assignee liability were accurately
 completed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Revised
 Closing Disclosure Delivery Date Test (waiting period vs. no waiting period required)
 (12 CFR §1026.19(f)(2)(i) & (ii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If
 the disclosures provided under §1026.19(f)(1)(i) become inaccurate before consummation,
 the creditor shall provide corrected disclosures reflecting any changed terms to the
 consumer so that the consumer receives the corrected disclosures at or before consummation

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. If
 the consumer determines that the extension of credit is needed to meet a bona fide personal
 financial emergency, the consumer may modify or waive the three-business-day waiting
 period for the revised closing disclosure after receiving the disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j. TRID
 Tolerance Testing - Charges That Cannot Increase Test (12 CFR §1026.19(e)(3)(i))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. An
 estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the
 charge paid by or imposed on the consumer does not exceed the amount originally disclosed
 under §1026.19(e)(1)(i)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;k. TRID
 Tolerance Testing - Charges That in Total Cannot Increase More Than 10% Test (12 CFR
 §1026.19(e)(3)(ii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 aggregate amount of charges for third-party services and recording fees paid by or imposed
 on the consumer does not exceed the aggregate amount of such charges disclosed under
 §1026.19(e)(1)(i) by more than 10 percent

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;l. TRID
 Tolerance Testing - Lender Credits That Cannot Decrease Test (12 CFR §1026.19(e)(3)(i))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. An
 estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the
 charge paid by or imposed on the consumer does not exceed the amount originally disclosed
 under §1026.19(e)(1)(i)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;m. TRID
 Reimbursement Amount Test (12 CFR §1026.19(f)(2)(v))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Refunds
 related to the good faith analysis. If amounts paid by the consumer exceed the amounts
 specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i)
 if the creditor refunds the excess to the consumer no later than 60 days after consummation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;n. TRID
 Reimbursement Date Test (12 CFR §1026.19(f)(2)(v))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Refunds
 related to the good faith analysis. If amounts paid by the consumer exceed the amounts
 specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i)
 if the creditor refunds the excess to the consumer no later than 60 days after consummation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o. Disclosure
 of Escrow Account (§1026.38(l)(7))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If
 the loan indicates an escrow account will be established

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verify
 all amounts disclosed in the Projected Payments Table are accurate (§1026.38(c);
 §1026.37(c))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verify
 all amounts disclosed in the Estimated Taxes, Insurance and Assessments (ETIA) are accurate
 (§1026.37(c)(4),(5))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Verify
 all amounts disclosed in Section G – Initial Escrow Payment and Closing are accurate
 (§1026.37(g)(3))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Verify
 all amounts disclosed in the Escrow Account Section are accurate (§1026.38(l)(7))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. If
 the loan indicates an escrow account will not be established

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verify
 all amounts disclosed in the Projected Payments Table are accurate (§1026.38(c);
 (§1026.37(c))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verify
 all amounts disclosed in the Estimated Taxes, Insurance and Assessments (ETIA) are accurate
 (§1026.37(c)(4), (5))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Verify
 all amounts disclosed in the Escrow Account Section are accurate (§1026.38(l)(7))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;p. Disclosure
 of Seller Paid Closing Costs (§1026.38(t)(5)(v)(B))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. In
 transactions involving a seller, validate whether the lender disclosed all costs being
 paid by the seller on the borrowers Closing Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. If
 seller paid fees are present on the borrower's Closing Disclosure, review the seller's
 Closing Disclosure or alternative documentation for accuracy of disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;q. Post-consummation
 Event and Revised Closing Disclosure Delivery Date Test

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 post-consummation revised closing disclosure delivery date is not more than 60 calendar
 days after the consummation date, or closing / settlement date if no consummation date
 was provided; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The
 provided reimbursement date is not more than 60 calendar days after the consummation
 date, or closing / settlement date if no consummation date was provided

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;r. Non-numeric
 Clerical Error and Post-consummation Revised Closing Disclosure Delivery Date Test (12
 CFR §1026.19(f)(2)(iv))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. A
 creditor does not violate §1026.19(f)(1)(i) if the disclosures provided under §1026.19(f)(1)(i)
 contain non-numeric clerical errors, provided the creditor delivers or places in the
 mail corrected disclosures no later than 60 days after consummation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;s. Loan
 Calculation Test on the Closing Disclosure (12 CFR §1026.38))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Finance
 Charge

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Amount
 Financed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Total
 of Payments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Total
 Interest Percentage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Qualified
 Mortgage / Ability To Repay – Dodd Frank

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Classification
 of QM designated loan

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Validate
 whether the mortgage loan is a Safe Harbor QM or Higher Priced QM by comparing the mortgage
 loan's actual annual percentage rate, as recalculated, to the applicable average
 prime offer rate plus a certain applicable percentage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Determination
 of conformity thresholds (Safe Harbor or Rebuttable Presumption)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Negative
 Amortization Loan (12 CFR 1026.43(e)(2)(i)(A))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Verify
 that a qualified mortgage is a covered transaction that provides for regular periodic
 payments that are substantially equal and any interest rate change after consummation,
 along with the corresponding payment, does not result in an increase of the principal
 balance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Interest
 Only Loan (12 CFR 1026.43(e)(2)(i)(B))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Verify
 that no qualified mortgage loan allows the consumer to defer repayment of principal

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Balloon
 Payment Loan (12 CFR 1026.43(e)(2)(i)(C))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Verify
 that no qualified mortgage results in a ballon payment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Loan
 Term (12 CFR 1026.43(e)(2)(iii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. A
 qualified mortgage is a covered transaction for which the loan term does not exceed 30
 years

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Points
 and Fees (12 CFR §1026.43(e)(3))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Points
 and fees do not exceed the qualified mortgage points and fees threshold

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. DTI
 (12 CFR §1026.43(e)(2)(vi))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 ratio of the consumer's total monthly debt to total monthly income at the time of consummation
 does not exceed 43 percent, calculated in accordance with Appendix Q

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. For
 Fannie Mae and Freddie Mac, however, the revised QM rules become mandatory on July 1,
 2021, meaning that the QM Patch effectively terminates on July 1, 2021—and that
 all loans sold to Fannie and Freddie must comply with the revised QM rules, effective
 July 1, 2021.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. For
 creditors not selling loans to Fannie Mae and/or Freddie Mac, loans underwritten from
 March 1, 2021 until October 1, 2022 will continue to apply the legacy QM rules; however,
 commencing July 1, 2021, legacy QM loans must be underwritten to Appendix Q and NOT to
 the QM Patch.

<br> Stated another way, since the FHFA terminated the QM Patch, loans underwritten to the QM Patch after July 1 are no longer eligible for sale to the GSEs, and in effect, the QM Patch disappeared after that date, notwithstanding the CFPB's intent for it to continue until October 1, 2022. Hence, for non-agency loans, underwritten between July 1, 2021 and October 1, 2022, legacy QM loans must be underwritten in accordance with Appendix Q.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Client
 is required to advise regarding which application of QM/DTI or QM/APR rule for loans
 with application dates between 03/01/2021 and 10/01/2022 for the proper evaluation of
 QM.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Loans
 underwritten after 10/1/2022 will be reviewed following the revised QM (QM 2.0) rules,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. APR
 (12 CFR §1026.43(e)(2)(vi))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 loan APR is not to exceed the APOR plus percentage threshold, calculated according to
 12 CFR §1026.43(e)(2)(vi). With a QM/APR optional test period for loans with application
 dates between 03/01/2021 and 10/01/2022 and mandatory compliance and testing for loans
 after 10/01/2022.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. The
 APR on the loan does not exceed the threshold for the loan amount:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. For
 a first-lien loan with a loan amount greater than or equal to $110,260 (indexed for inflation),
 2.25 or more percentage points;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. For
 a first-lien loan with a loan amount greater than or equal to $66,156 (indexed for inflation),
 but less than $110,260 (indexed for inflation), 3.5 or more percentage points;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. For
 a first lien loan with a loan amount less than $66,156 (indexed for inflation), 6.5 or
 more percentage points;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. For
 a subordinate-lien loan with a loan amount great than or equal to $66,156 (indexed for
 inflation), 3.5 or more percentage points; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. For
 a subordinate-lien loan with a loan amount less than $66,156 (indexed for inflation),
 6.5 or more percentage points.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Revised
 QM (QM 2.0)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. QM/DTI
 test will cease as of application dates on or after 10/01/2022

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. In
 addition to the Generally Applicable Factors above, all Revised QM loans must meet the
 following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Monthly
 Payment. The amount of the monthly payment on the loan is calculated using the maximum
 rate that may apply during the first five years and considers the monthly payment for
 simultaneous loans and mortgage obligations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Consider
 and Verify. The creditor considers and verifies the consumer's current or expected
 income and assets and debt and his DTI or residual income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. As
 part of the "consider" requirement, Incenter Diligence will review the (i)
 creditor's policies and procedures provided by Client, as well as any exceptions
 thereto, for how the creditor takes into account the underwriting factors enumerated
 above, and (ii) the documentation retained by creditor, such as an underwriting worksheet
 or a final automated underwriting system certification, showing how the creditor took
 these factors into account in its ability-to-repay determination.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Consider
 and Verify Safe Harbor (VSH). Creditor is deemed to have complied with this "verify"
 requirement if it complies with the verification standards in one or more of these following
 agency manuals:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Chapters
 B3-3 through B3-6 of the Fannie Mae Single Family Selling Guide, published June 3, 2020
 including all subsequent updates; Sections 5102 through 5500 of the Freddie Mac Single-Family
 Seller/Servicer Guide, published June 10, 2020 including all subsequent updates;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Sections
 II.A.1 and II.A.4-5 of the Federal Housing Administration's Single-Family Housing
 Policy Handbook, issued October 24, 2019 including all subsequent updates;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Chapter
 4 of the U.S. Department of Veterans Affairs' Lenders Handbook, revised February
 22, 2019 including all subsequent updates;

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j. Chapter
 4 of the U.S. Department of Agriculture's Field Office Handbook for the Direct
 Single Family Housing Program, revised March 15, 2019 including all subsequent updates;
 and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;k. Chapters
 9 through 11 of the U.S. Department of Agriculture's Handbook for the Single-Family
 Guaranteed Loan Program, revised March 19, 2020 including all subsequent updates.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;l. For
 purposes of compliance with VSH, a creditor must comply with only those provisions in
 the manuals that require creditors to verify income, assets, debt obligations, alimony
 and child support using specified documents or to classify and count particular inflows,
 property, and obligations as income, assets, debt obligations, alimony, and child support.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;m. Revised
 versions of manuals. A creditor also complies with the verification safe harbor where
 it complies with revised versions of the manuals listed above provided that the two versions
 are "substantially similar".

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;n. The
 QM 2.0 Rule permits the creditor to "mix and match" verification standards
 from different agency manuals. Incenter Diligence will test the creditor's "verification"
 of third- party records in instances when the creditor either uses (i) its own procedures
 or alternatively, (ii) the verification standards of one or more of the agency handbooks
 listed above.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o. Note:
 the Client must provide written policies and procedures and related documentation such
 as underwriter worksheets in order for Incenter Diligence to review loans under the QM
 2.0 Rules, and in particular, with regard to the "consider" and "verify"
 requirements. Further, if the Client intends to use the VSH, its written policies and
 procedures must specify the precise agency handbook(s) that it is relying on with specific
 references to the particular provisions addressing income, assets, debt obligations,
 alimony and child support using specified documents or to classify and count particular
 inflows, property, and obligations as income, assets, debt obligations, alimony, and
 child support—as well as the specific date(s) of the agency handbook(s) issuance,
 publication or revision. In addition, Incenter Diligence is not responsible for determining
 whether revised versions of the manuals listed above are "substantially similar"
 for purposes of the VSH; such a determination of the sole responsibility of the Client.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;p. Note:
 due to the inherent subjectivity of the foregoing "consider" and "verify"
 requirements, Incenter Diligence will review the Client's: (i) policies and procedures
 and worksheets and (ii) methods and criteria for verification of income and assets (regardless
 of whether the "safe harbor" is utilized) for content only, and will not
 opine whether such policies and procedures, worksheets and verification methods and criteria
 themselves comply with applicable law, and cannot guarantee that a court, governmental
 regulator, rating agency or another third party diligence provider would reach the same
 conclusions using such work product.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Prepayment
 Penalty (12 CFR 1026.43(g))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. A
 covered transaction must not include a prepayment penalty unless:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 prepayment penalty is otherwise permitted by law; and the transaction:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Has
 an annual percentage rate that cannot increase after consummation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Is
 a qualified mortgage under paragraph (e)(2), (e)(4), or (f) of this section; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Is
 not a Higher Priced Mortgage Loan, as defined in § 1026.35(a)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Home
 Ownership and Equity Protection Act – HOEPA (Sections 32)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Federal
 HOEPA coverage (12 CFR §1026.32(a)(1)(i), (ii))

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Tests
 that the loan is/is not secured by the consumer's principal dwelling; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Tests
 that the loan is/ is not an open-end credit plan; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. That
 the application date of the loan occurs before/after the effective date of October 1,
 1995; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. That
 the date the creditor received application occurs on or after January 10, 2014, the effective
 date of the High-Cost Mortgage amendments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. High-Cost
 Mortgage APR threshold test (12 CFR §1026.32(a)(1)(i)(A), (C))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 loan is secured by a first-lien transaction, and the annual percentage rate (APR) does
 not exceed the Average Prime Offer Rate by more than 6.5%; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The
 loan is a subordinate-lien transaction, and the annual percentage rate (APR), does not
 exceed the Average Prime Offer Rate by more than 8.5%

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. High-Cost
 Mortgage Points and Fees Threshold Test (12 CFR §1026.32(a)(1)(ii)(A), (B))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 total points and fees do not exceed allowable limits per the given loan amount

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. High-Cost
 Mortgage Prepayment Penalty Threshold Test (12 CFR §1026.32(a)(1)(iii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 loan contract or open-end credit agreement does not allow the creditor to charge:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. A
 prepayment penalty more than 36 months after consummation or account opening; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Prepayment
 penalties that can exceed, in total, more than 2 percent of the amount prepaid

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. High-Cost
 Mortgage (12 CFR §1026.32(a)(1))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. High-Cost
 Mortgage Repayment Ability Test (12 CFR §1026.34(a)(4), 1026.43)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Other
 high-costs tests pursuant to (12 CFR §1026.32(a)(1))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Timing
 of disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Balloon
 payment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Negative
 amortization

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Prepayment
 penalty

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Pre-loan
 counseling

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Late
 charges

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Grace
 period

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Financing
 of points and fees

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Higher
 Priced Mortgage Loan – HMPL (12 CFR §1026.35)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Higher
 Priced Mortgage Loan tests (12 CFR §1026.35(a))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Higher
 Priced Mortgage Loan required escrow account test (12 CFR §1026.35(b))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Higher
 Priced Mortgage Loan required appraisal test (12 CFR §1026.35(c))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Prohibited
 Acts – Brokers Comp

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Broker
 Compensation Test (12 CFR §1026.36(d)(2)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If
 any loan originator receives compensation directly from a consumer in a consumer credit
 transaction secured by a dwelling:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. No
 loan originator shall receive compensation, directly or indirectly, from any person other
 than the consumer in connection with the transaction; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. No
 person who knows or has reason to know of the consumer-paid compensation to the loan
 originator (other than the consumer) shall pay any compensation to a loan originator,
 directly or indirectly, in connection with the transaction

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Nationwide
 Mortgage Licensing System (NMLS) Tests (12 CFR §1026.36)

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. verify
 the data against the NMLSR database, as available

Page **12** of **18**

![](ex993001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**B.** **Real Estate Settlement Procedures Act – 12 CFR §1024 ("RESPA")** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Federal
 RESPA

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Homeownership
 Counseling Organizations Disclosure Date Test (12 CFR §1024.20(a))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Not
 later than three business days after a lender, mortgage broker, or dealer receives an
 application, or information sufficient to complete an application, the lender must provide
 the loan applicant with a clear and conspicuous written list of homeownership counseling
 organizations that provide relevant counseling services in the loan applicant's location

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The
 list of homeownership counseling organizations distributed to each loan applicant under
 this section shall be obtained no earlier than 30 days prior to the time when the list
 is provided to the loan applicant

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Good
 Faith Estimate Disclosure Test (12 CFR §1024.7)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Not
 later than 3 business days after a loan originator (broker or lender) receives an application
 for a federally related mortgage loan, or information sufficient to complete an application,
 the loan originator must provide the applicant with a GFE

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Good
 Faith Estimate Disallowed Credit and Charge test (GFE Block 2)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Looks
 for any amounts entered for both a loan discount fee and a yield spread premium or a
 lender credit

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Only
 one charge or one credit affecting the interest rate is allowed under the new RESPA regulations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**C.** **Equal Credit Opportunity Act – 12 CFR §1002 ("ECOA")** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. ECOA
 Valuation Rule (12 CFR §1002.14(a)(1))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review
 all applicable loans for the Disclosure of Right to Receive a Copy of Appraisals. Validate
 if the customer(s) waived their right to receive copies of their appraisals three business
 days prior to consummation/account opening

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Review
 all applicable loans for proof that lender delivered copies of appraisals and other written
 valuations three business days before consummation (closed-end), or account opening (open-end)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. If
 the customer(s) waived their right to receive copies of their appraisals three business
 days prior to consummation/account opening, review the Post-Closing submission for an
 Acknowledgment of Receipt of Appraisal Report, or other proof that the lender provided
 the copies either at, or prior to, consummation or account opening

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**D.** **State Specific tests (varies by state and applicability, but at a minimum includes);** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Consumer
 / Home Loan tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. High-cost
 tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Higher
 Priced Mortgage Loan tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. APR
 threshold tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Points
 and fees threshold tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Covered
 loan tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Negative
 Amortization tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Prepayment
 tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. Texas
 Home Equity Loans

**Document Review**

Incenter Diligence reviewed all mortgage loan files supplied and verified that the following documents, if applicable, were included in the file and that the data on the documents was consistent:

● Initial Application (1003)

● Final Application (1003)

● Loan Approval (1008)

● HUD1 from Sale of Previous Residence

Page **13** of **18**

![](ex993001.jpg)

● Loan Estimates and Closing Disclosures

● Sales Contract

● Mortgage/Deed of Trust

● Note

● Guaranty Agreement

● Occupancy Affidavit

● Lease Agreements

● Business Purpose Affidavit

● Junior Lien Information

● Subordination Agreement

● Income Documentation

● Employment Documentation

● Asset Documentation

● Credit Reports

● 4506T/Tax Documentation

● Change of Circumstance Documentation

● Disclosures: Right of Rescission, Net Tangible Benefit and FACTA

● Appraisal Valuation Reports

● Title/Preliminary Title

● Flood and Hazard Insurance Policies

● Flood Certificates

**Other review and methodology**

Not applicable.

Page **14** of **18**

![](ex993001.jpg)

**<u>Summary of findings and conclusions of review</u>**

Below provides the summary of the review findings:

**Final Overall Grade Summary**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;153 | &nbsp;&nbsp;95.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;7 | &nbsp;&nbsp;5.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**160** | &nbsp;&nbsp;**100.00%** |

---

**Credit Grade Summary**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;155 | &nbsp;&nbsp;96.88% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;5 | &nbsp;&nbsp;3.13% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**160** | &nbsp;&nbsp;**100.00%** |

---

**Compliance Grade Summary**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;158 | &nbsp;&nbsp;98.75% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.25% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**160** | &nbsp;&nbsp;**100.00%** |

---

**Property Grade Summary**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;124 | &nbsp;&nbsp;77.50% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.63% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;35 | &nbsp;&nbsp;21.88% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**160** | &nbsp;&nbsp;**100.00%** |

---

Page **15** of **18**

![](ex993001.jpg)

**Exception Summary**

Below provides a summary of the individual exceptions based on the general categories of Credit, Compliance, and Property.

\* Loan was not delivered to the reviewer or the file is not sufficiently complete to perform the basic review.

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Credit Exception Categories** | &nbsp;&nbsp;**Exception** <br> **Count** | &nbsp;&nbsp;**Credit** <br> **Grade A** | &nbsp;&nbsp;**Credit** <br> **Grade B** | &nbsp;&nbsp;**Credit** <br> **Grade C** | &nbsp;&nbsp;**Credit** <br> **Grade D \*** |
| &nbsp;&nbsp;Assets | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Borrower | &nbsp;&nbsp;5 | &nbsp;&nbsp;5 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Closing | &nbsp;&nbsp;4 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Data | &nbsp;&nbsp;5 | &nbsp;&nbsp;5 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Debt | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Eligibility | &nbsp;&nbsp;26 | &nbsp;&nbsp;24 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Income/Employment | &nbsp;&nbsp;9 | &nbsp;&nbsp;8 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Insurance | &nbsp;&nbsp;10 | &nbsp;&nbsp;10 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Missing Doc | &nbsp;&nbsp;111 | &nbsp;&nbsp;110 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;QM-ATR | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Title | &nbsp;&nbsp;33 | &nbsp;&nbsp;32 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**208** | &nbsp;&nbsp;**203** | &nbsp;&nbsp;**5** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** |

---

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Compliance Exception Categories** | &nbsp;&nbsp;**Exception** <br> **Count** | &nbsp;&nbsp;**Compliance Grade A** | &nbsp;&nbsp;**Compliance Grade B** | &nbsp;&nbsp;**Compliance Grade C** | &nbsp;&nbsp;**Compliance Grade D \*** |
| &nbsp;&nbsp;Ability to Repay | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Closing | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;23 | &nbsp;&nbsp;21 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Data | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Disclosure | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Documentation | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Fees | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Missing Doc | &nbsp;&nbsp;82 | &nbsp;&nbsp;82 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Points & Fees | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;QM-ATR | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Right to Rescind | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;State Reg | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;TRID | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**116** | &nbsp;&nbsp;**114** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** |

---

Page **16** of **18**

![](ex993001.jpg)

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Property Exception Categories** | &nbsp;&nbsp;**Exception** <br> **Count** | &nbsp;&nbsp;**Property** <br> **Grade A** | &nbsp;&nbsp;**Property Grade B** | &nbsp;&nbsp;**Property** <br> **Grade C** | &nbsp;&nbsp;**Property** <br> **Grade D \*** |
| &nbsp;&nbsp;Appraisal | &nbsp;&nbsp;11 | &nbsp;&nbsp;10 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Data | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Missing Doc | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Property Issue | &nbsp;&nbsp;2 | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**15** | &nbsp;&nbsp;**13** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** |

---

**Data Integrity Summary**

The table below provides a summary of the data compare results:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Data Compare Field Name** | &nbsp;&nbsp;**# of Discrepancies** | &nbsp;&nbsp;**% of Accuracy** |
| &nbsp;&nbsp;ARM Interest Data | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;4 | &nbsp;&nbsp;97.50% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;3 | &nbsp;&nbsp;98.13% |
| &nbsp;&nbsp;Borrower 2 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 FTHB | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;11 | &nbsp;&nbsp;93.13% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;3 | &nbsp;&nbsp;98.13% |
| &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.38% |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;2 | &nbsp;&nbsp;98.75% |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;8 | &nbsp;&nbsp;95.00% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Type | &nbsp;&nbsp;15 | &nbsp;&nbsp;90.63% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.38% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;22 | &nbsp;&nbsp;86.25% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;5 | &nbsp;&nbsp;96.88% |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;4 | &nbsp;&nbsp;97.50% |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Original Loan Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;5 | &nbsp;&nbsp;96.88% |
| &nbsp;&nbsp;Originator DSCR | &nbsp;&nbsp;2 | &nbsp;&nbsp;98.75% |
| &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;13 | &nbsp;&nbsp;91.88% |

---

Page **17** of **18**

![](ex993001.jpg)

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.38% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.38% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.38% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;15 | &nbsp;&nbsp;90.63% |
| &nbsp;&nbsp;QM Designation | &nbsp;&nbsp;40 | &nbsp;&nbsp;75.00% |
| &nbsp;&nbsp;Qualifying Appraised Value | &nbsp;&nbsp;23 | &nbsp;&nbsp;85.63% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;12 | &nbsp;&nbsp;92.50% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;11 | &nbsp;&nbsp;93.13% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;11 | &nbsp;&nbsp;93.13% |
| &nbsp;&nbsp;Qualifying Total DTI | &nbsp;&nbsp;17 | &nbsp;&nbsp;89.38% |
| &nbsp;&nbsp;Refinance Type | &nbsp;&nbsp;3 | &nbsp;&nbsp;98.13% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Subordinate Lien Amount | &nbsp;&nbsp;15 | &nbsp;&nbsp;90.63% |
| &nbsp;&nbsp;Underwriting Guideline Name | &nbsp;&nbsp;6 | &nbsp;&nbsp;96.25% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**255** | &nbsp;&nbsp;**96.05%** |

---

Page **18** of **18**

## Exhibit 99.3

[VISTA POINT ASSETS LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.3 - Schedule 1**

---

| | | | |
|:---|:---|:---|:---|
| TPR Firm: | ![](ex99-01.jpg) | Report Date: | 10/2/2025 |
| Client Name: | Vista Point Mortgage | Report: | Exception Report |
| Deal Name: | VSTA 2025-CES3 | Loans in report: | 160 |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Incenter Loan ID** | **Client Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** |
| XXX | 37590039 | XXX | XXX D A | Closed | FCRE5782 | 2025-06-11 15:48 | 2025-06-20 13:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received gap credit report reflecting no new debts or inquiries. - Due Diligence Vendor-06/20/2025 <br> Ready for Review-Document Uploaded. - Seller-06/20/2025 <br> Open-Missing GAP credit report dated within 15 days of the note date. Credit ran on XXX is 18 days from Note date of XXX. - Due Diligence Vendor-06/11/2025 | Ready for Review-Document Uploaded. - Seller-06/20/2025<br>| Resolved-Received gap credit report reflecting no new debts or inquiries. - Due Diligence Vendor-06/20/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 75% |  | XXX Report XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 37590039 | XXX | XXX D A | Closed | FCOM1233 | 2025-06-11 15:45 | 2025-06-20 13:34 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Received borrower LOX and revised signed URLA. - Due Diligence Vendor-06/20/2025 <br>Ready for Review-Document Uploaded. Updated URLA and LOX - Seller-06/20/2025 <br>Open-The Final 1003 is Incomplete Missing revised final URLA to reflect CoBorrower does not intent to occupy subject/investment property. Declaration page reflects CoBorrower intends to occupy subject investment property. - Due Diligence Vendor-06/11/2025 | Ready for Review-Document Uploaded. Updated URLA and LOX - Seller-06/20/2025<br>| Resolved-Received borrower LOX and revised signed URLA. - Due Diligence Vendor-06/20/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 75% |  | XXX Signed LOX.pdf<br> XXX 1003 Signed.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 37230401 | XXX | XXX C A | Closed | FCRE1254 | 2025-06-25 14:30 | 2025-06-26 17:36 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received final title policy reflecting solar endorsement. - Due Diligence Vendor-06/26/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-06/26/2025 <br> Open-Property Title Issue Missing documentation to support title item #9 (XXX item) has been paid/released. Confirmation for XXX UCC filing in file is for title item #11 and 12 only. Missing satisfaction of item #9. - Due Diligence Vendor-06/25/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-06/26/2025<br>| Resolved-Received final title policy reflecting solar endorsement. - Due Diligence Vendor-06/26/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | (Package) XXX XXX-SHORT-FORM-RESIDENTIAL-12-SP0L POLICY.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 37230401 | XXX | XXX C A | Closed | 1000609-1001960 | 2025-06-20 11:19 | 2025-06-25 15:37 | Resolved | 1 - Information C A | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Received Initial Closing Disclosure Issued 04/30/2025. - Due Diligence Vendor-06/25/2025 <br> Resolved- - Due Diligence Vendor-06/25/2025 <br> Ready for Review-Document Uploaded. It appears initial CD COC dated XXX as well as CD COC dated XXX not delivered - please see attached - Seller-06/25/2025 <br> Open-Missing Initial Closing Disclosure. Unable to complete regulatory compliance check and TRID Monitoring. - Due Diligence Vendor-06/23/2025 <br> Open- - Due Diligence Vendor-06/20/2025 | Ready for Review-Document Uploaded. It appears initial CD COC dated XXX as well as CD COC dated XXX not delivered - please see attached - Seller-06/25/2025 | Resolved-Received Initial Closing Disclosure Issued XXX. - Due Diligence Vendor-06/25/2025 | LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | XXXCOCCDXXX.pdf<br> XXX_InitalCDCOCXXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 37230401 | XXX | XXX C A | Closed | FCOM1329 | 2025-06-23 11:26 | 2025-06-25 15:13 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Anti-Steering Disclosure | Resolved-Received Anti-Steering Disclosure. - Due Diligence Vendor-06/25/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-06/25/2025 <br>Open-Loan Options Disclosure/Anti-Steering Disclosure is missing from the file.<br> - Due Diligence Vendor-06/23/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-06/25/2025<br>| Resolved-Received Anti-Steering Disclosure. - Due Diligence Vendor-06/25/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | NQ2ND-L23-XXX steer sighned.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 33008907 | XXX | XXX D A C | Closed | FCRE8946 | 2025-06-13 09:27 | 2025-07-09 17:56 | Resolved | 1 - Information C A | Credit | Income/Employment | Income documentation expiration dates | Resolved-Received updated paystubs supporting income. - Due Diligence Vendor-07/09/2025 <br> Ready for Review-Document Uploaded. - Seller-07/09/2025 <br> Counter-Received VVOE, however insufficient to clear condition. Last paystub in file is dated XXX which is outside of 60 day requirement. - Due Diligence Vendor-06/18/2025 <br> Ready for Review-Document Uploaded. - Seller-06/18/2025 <br> Open-Borrower 2 Income documentation is expired. Per guidelines, income documentation is valid for 60 days. Income documentation is dated XXX, which expired XXX and closing date is XXX. - Due Diligence Vendor-06/13/2025 | Ready for Review-Document Uploaded. - Seller-07/09/2025 <br>Ready for Review-Document Uploaded. - Seller-06/18/2025<br>| Resolved-Received updated paystubs supporting income. - Due Diligence Vendor-07/09/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90%<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50% |  | XXX VVOE.pdf<br> XXX - XXX XXX Paystubs.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 33008907 | XXX | XXX D A C | Closed | FCOM8805 | 2025-06-13 09:25 | 2025-06-18 12:20 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Borrower Authorization | Resolved-Received borrower authorization. - Due Diligence Vendor-06/18/2025 <br> Ready for Review-Document Uploaded. - Seller-06/18/2025 <br> Open-Credit report dated XXX pulled by XXX is dated prior to the application date XXX. Missing documentation to support borrower's authorization for credit pulled on XXX. - Due Diligence Vendor-06/13/2025 | Ready for Review-Document Uploaded. - Seller-06/18/2025<br>| Resolved-Received borrower authorization. - Due Diligence Vendor-06/18/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90%<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50% |  | XXX Borrower Credit Autho XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 36691591 | XXX | XXX D A | Closed | FCRE8611 | 2025-06-10 14:42 | 2025-06-20 09:23 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Received Borrower LOX for leave pay reflected on paystubs. - Due Diligence Vendor-06/20/2025 <br>Ready for Review-Document Uploaded. - Seller-06/19/2025 <br>Open-Missing documentation to clarify Extended Leave listed on Borrower 2's paystubs. VVOE in file reflects active, however, no supporting documentation submitted to explain the type of leave or evidence of borrowers return to work status. - Due Diligence Vendor-06/10/2025 | Ready for Review-Document Uploaded. - Seller-06/19/2025<br>| Resolved-Received Borrower LOX for leave pay reflected on paystubs. - Due Diligence Vendor-06/20/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | XXX LOE.pdf<br> LOE - Leave on Paystub.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 36691591 | XXX | XXX D A | Closed | FCRE1440 | 2025-06-10 14:23 | 2025-06-16 16:52 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved- - Due Diligence Vendor-06/16/2025 <br> Resolved-Received gap credit report reflecting Date of Last Activity for XXX #XXX was XXX. - Due Diligence Vendor-06/12/2025 <br> Ready for Review-Please see Gap Report - Seller-06/12/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Missing updated Mortgage Rating for Mortgage with XXX #XXX. Per guidelines, mortgage most be current and no more than 45 days have elapsed since the last paid installment date. Per the Credit report, last payment date is XXX. - Due Diligence Vendor-06/10/2025 | Ready for Review-Please see Gap Report - Seller-06/12/2025<br>| Resolved-Received gap credit report reflecting Date of Last Activity for XXX #XXX was XXX. - Due Diligence Vendor-06/12/2025 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 36691591 | XXX | XXX D A | Closed | FCRE1334 | 2025-06-10 14:26 | 2025-06-16 12:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Resolved-Received XXX for Borrower 2. - Due Diligence Vendor-06/16/2025 <br> Ready for Review-Document Uploaded. Please see attached joint XXX for B1 and B2 - Seller-06/16/2025 <br> Counter-Received tax return pages, however insufficient to clear condition. Still missing Executed XXX-C for Borrower 1 reflecting most current 2 years. XXX submitted lists 2018, 2017, 2016, 2015 only. - Due Diligence Vendor-06/12/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-06/12/2025 <br> Open-Borrower 1 Executed XXX-T Missing Missing executed XXX for most current 2 years. XXX submitted lists 2018, 2017, 2016, 2015 only. - Due Diligence Vendor-06/10/2025 | Ready for Review-Document Uploaded. Please see attached joint XXX for B1 and B2 - Seller-06/16/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-06/12/2025 | Resolved-Received XXX for Borrower 2. - Due Diligence Vendor-06/16/2025 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | XXX.pdf<br> XXX_XXX-XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 36691591 | XXX | XXX D A | Closed | FCRE1364 | 2025-06-10 14:26 | 2025-06-16 12:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Executed 4506-T Missing | Resolved-Received XXX for Borrower 1. - Due Diligence Vendor-06/16/2025 <br> Ready for Review-Document Uploaded. Please see attached joint XXX for both B1 and B2 - Seller-06/16/2025 <br> Counter-Received tax return pages, however insufficient to clear condition. Still missing Executed XXX-C for Borrower 2 reflecting most current 2 years. XXX submitted lists 2018, 2017, 2016, 2015 only. - Due Diligence Vendor-06/12/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-06/12/2025 <br> Open-Borrower 2 Executed XXX-T Missing Missing executed XXX for most current 2 years. XXX submitted lists 2018, 2017, 2016, 2015 only. - Due Diligence Vendor-06/10/2025 | Ready for Review-Document Uploaded. Please see attached joint XXX for both B1 and B2 - Seller-06/16/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-06/12/2025 | Resolved-Received XXX for Borrower 1. - Due Diligence Vendor-06/16/2025 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | XXX.pdf<br> XXX_XXX-XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 36691591 | XXX | XXX D A | Closed | FCOM1477 | 2025-06-04 14:18 | 2025-06-13 12:09 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Received Lock Confirmation reflecting Lock Date of XXX. - Due Diligence Vendor-06/13/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-06/13/2025 <br> Open-Evidence of Rate Lock Missing Missing lender's rate lock confirmation form confirming the date the rate was locked by borrower. Revised Loan Estimate (LE) in file Issued XXX reflects loan as locked, however, missing any form of rate lock confirmation. - Due Diligence Vendor-06/04/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-06/13/2025<br>| Resolved-Received Lock Confirmation reflecting Lock Date of XXX. - Due Diligence Vendor-06/13/2025 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | Lock Confirmations.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 36691591 | XXX | XXX D A | Closed | 1000135-1000385 | 2025-06-13 12:07 | 2025-06-13 12:08 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-Higher Priced Violation is Valid in Mavent, however, Loan is Non-QM. - Due Diligence Vendor-06/13/2025 <br>Open-The loan's (11.703%) APR equals or exceeds the Federal HPML threshold of (10.38%). The threshold is determined by adding 3.5 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)(iii)) - Due Diligence Vendor-06/13/2025 |  | Resolved-Higher Priced Violation is Valid in XXX, however, Loan is Non-QM. - Due Diligence Vendor-06/13/2025 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 36691591 | XXX | XXX D A | Closed | 1001288-1003549 | 2025-06-13 12:07 | 2025-06-13 12:08 | Resolved | 1 - Information C A | Compliance | AbilityToRepay:PriceBased | Federal - General Qualified Mortgage Price-Based Limit (Junior Lien) | Resolved-QM Violation is Valid in XXX, however, Loan is Non-QM. - Due Diligence Vendor-06/13/2025 <br> Open-The loan's (11.703%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (10.38%), which is the comparable average prime offer rate of (6.88%) plus 3.5. The System used the following date to perform the APOR index lookup (2025-04-30). The system added 3.5 to the comparable APOR because the ($XXX) note amount equals or exceeds ($XXX). The system used an interest rate of (11.25%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (12 CFR 1026.43(e)(2)(vi)(E)) - Due Diligence Vendor-06/13/2025 |  | Resolved-QM Violation is Valid in XXX, however, Loan is Non-QM. - Due Diligence Vendor-06/13/2025 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 36691591 | XXX | XXX D A | Closed | FCRE5783 | 2025-06-04 13:25 | 2025-06-12 16:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Received gap report reflecting no new debt or inquiries. - Due Diligence Vendor-06/12/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-06/12/2025 <br> Open-Borrower 2 Gap Credit Report is Missing Missing GAP Credit report dated within 15 days of Note Date. Subject to recalculation of DTI upon receipt. - Due Diligence Vendor-06/10/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-06/12/2025<br>| Resolved-Received gap report reflecting no new debt or inquiries. - Due Diligence Vendor-06/12/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | XXX_gapdocument.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 36691591 | XXX | XXX D A | Closed | FCRE5782 | 2025-06-04 13:25 | 2025-06-12 16:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received gap report reflecting no new debt or inquiries. - Due Diligence Vendor-06/12/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-06/12/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Missing GAP Credit report dated within 15 days of Note Date. Subject to recalculation of DTI upon receipt. - Due Diligence Vendor-06/10/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-06/12/2025<br>| Resolved-Received gap report reflecting no new debt or inquiries. - Due Diligence Vendor-06/12/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | XXX_gapdocument.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 36691591 | XXX | XXX D A | Closed | FCRE9549 | 2025-06-10 14:36 | 2025-06-12 15:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Credit Report Supplement | Resolved-Received gap report reflecting Date of Last Activity of XXX for XXX XXX. - Due Diligence Vendor-06/12/2025 <br> Ready for Review-See page 2 of Gap report XXX XXX listed - Seller-06/12/2025 <br> Open-Missing credit report supplement to update XXX XXX Supporting ACH was submitted from XXX Acct, however, no defining information was provided for account with XXX account was listed on ACH. Subject to recalculation of DTI upon receipt. - Due Diligence Vendor-06/10/2025 | Ready for Review-See page 2 of Gap report XXX xxXXX listed - Seller-06/12/2025 | Resolved-Received gap report reflecting Date of Last Activity of XXX for XXX xxXXX. - Due Diligence Vendor-06/12/2025 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 32044938 | XXX | XXX D B C A | Closed | FCRE1440 | 2025-06-04 20:12 | 2025-07-02 09:23 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received supporting documentation of additional loan modification. - Due Diligence Vendor-07/02/2025 <br> Ready for Review-Document Uploaded. this is for the forbearance - Seller-06/27/2025 <br> Open- - Due Diligence Vendor-06/16/2025 <br> Open-Housing History Does Not Meet Guideline Requirements XXX xxXXX mortgage statement for property at XXX reflects an interest bearing principal balance of $XXX with a P&I payment of $XXX. Statement also reflects a non-interest bearing principal balance of $XXX and other deferred balances of $XXX. The XXX Modification agreement dated XXX shows new balance of $XXX and P&I of $1,355.22. Maturity date of XXX. Modification agreement does not reflect the additional deferred interest or 'other' deferred balance information. Missing copies of the subsequent modification agreements. Additional conditions may apply upon receipt. - Due Diligence Vendor-06/05/2025 | Ready for Review-Document Uploaded. this is for the forbearance - Seller-06/27/2025<br>| Resolved-Received supporting documentation of additional loan modification. - Due Diligence Vendor-07/02/2025<br>|  |  | XXX XXX Deferral Agreement..pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | 32044938 | XXX | XXX D B C A | Closed | FCRE1441 | 2025-06-05 07:15 | 2025-06-16 17:01 | Waived | 2 - Non-Material C B | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Waived-Upon additional review, Client elects to waive with Comp Factors. - Due Diligence Vendor-06/16/2025 <br> Ready for Review-Document Uploaded. signed exception attached - Seller-06/16/2025 <br> Counter-Received internal exception waiver form, however exception disposition section is not completed. Additionally, the internal waiver form must be signed and dated by approving party. - Due Diligence Vendor-06/11/2025 <br> Ready for Review-Document Uploaded. Attached is the email from the Head of credit at XXX, no additional documentation is needed. - Seller-06/10/2025 <br> Counter-Received internal exception waiver form, however it must be signed and dated by approving party. - Due Diligence Vendor-06/09/2025 <br> Ready for Review-Document Uploaded. exception - Seller-06/06/2025 <br> Open-Delinquent Credit History Does Not Meet Guideline Requirements Missing Copy of signed/approved Lender Exception Approval for multiple BK events in the last 7 years. Borrower fixed a CH 13 BK on XXX which got dismissed on XXX due to borrower not providing any documentation. His intention was to convert it to a CH 11 which he filed on XXX and was discharged on XXX.<br> Compensating Factors: <br> Years in business - borrower has been a XXX for over XXX years<br> - Due Diligence Vendor-06/05/2025 | Ready for Review-Document Uploaded. signed exception attached - Seller-06/16/2025 <br> Ready for Review-Document Uploaded. Attached is the email from the Head of credit at XXX, no additional documentation is needed. - Seller-06/10/2025 <br> Ready for Review-Document Uploaded. exception - Seller-06/06/2025 | Waived-Upon additional review, Client elects to waive with Comp Factors. - Due Diligence Vendor-06/16/2025<br>|  | 1) Borrower has been a XXX for XXX years<br> 2) Great credit history with re-established credit after the BK in XXX | XXX - XXX Exception Waiver Form.pdf<br> XXX - XXX Exception Email.pdf<br> XXX - Exception signed.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Debt Consolidation | Originator Pre-Close | Yes |
| XXX | 32044938 | XXX | XXX D B C A | Closed | FCRE1204 | 2025-06-02 15:15 | 2025-06-09 11:51 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received cleared fraud report reflecting explanations for clearance of high alert items. - Due Diligence Vendor-06/09/2025 <br>Ready for Review-Document Uploaded. fraud report cleared - Seller-06/06/2025 <br>Open-Fraud Report Shows Uncleared Alerts Missing supporting documentation Lender addressed and cleared High Risk Items on Fraud Report. - Due Diligence Vendor-06/05/2025 | Ready for Review-Document Uploaded. fraud report cleared - Seller-06/06/2025<br>| Resolved-Received cleared fraud report reflecting explanations for clearance of high alert items. - Due Diligence Vendor-06/09/2025<br>|  |  | XXX XXX cleared.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | 32044938 | XXX | XXX D B C A | Closed | FCOM1233 | 2025-05-30 08:46 | 2025-06-05 13:29 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Received Page 9 of 13 for the URLA reflecting complete Demographic Information. - Due Diligence Vendor-06/05/2025 <br>Ready for Review-Document Uploaded. Correct Demographic information on 1003 - Seller-06/05/2025 <br>Open-The Final 1003 is Incomplete Demographic information of the borrower is partially completed. - Due Diligence Vendor-05/30/2025 | Ready for Review-Document Uploaded. Correct Demographic information on 1003 - Seller-06/05/2025<br>| Resolved-Received Page 9 of 13 for the URLA reflecting complete Demographic Information. - Due Diligence Vendor-06/05/2025<br>|  |  | XXX 1003 Demographic.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | 32044938 | XXX | XXX D B C A | Closed | 50001251-Fees-Limited | 2025-05-30 10:57 | 2025-06-05 13:21 | Resolved | 1 - Information C A | Compliance | Mavent | Fees: Limited | Resolved-Received Notice of Change Circumstances Reasons Closing Disclosure Issued 05/19/2025. - Due Diligence Vendor-06/05/2025 <br> Ready for Review-Document Uploaded. COC showing valid Change - Seller-06/05/2025 <br> Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). On the Revised Closing Disclosure (CD) in file Issued XXX the "Points" increased without a valid Change of Circumstance, resulting in the following failure: The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). - Due Diligence Vendor-05/30/2025 | Ready for Review-Document Uploaded. COC showing valid Change - Seller-06/05/2025<br>| Resolved-Received Notice of Change Circumstances Reasons Closing Disclosure Issued XXX. - Due Diligence Vendor-06/05/2025 |  |  | XXX COC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | 38668014 | XXX | XXX D A C | Closed | FCRE1159 | 2025-06-17 14:13 | 2025-06-30 11:39 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Received previous HOI policy in effect at time of loan closing. - Due Diligence Vendor-06/30/2025 <br> Ready for Review-Document Uploaded. - Seller-06/30/2025 <br> Counter-Received same policy already included in loan file which is insufficient to clear condition as policy was not in effect at the time of the Note. Still missing policy from XXX to XXX. - Due Diligence Vendor-06/25/2025 <br> Ready for Review-Document Uploaded. attached Final SS showing Disb date XXX - Seller-06/25/2025 <br> Ready for Review-Please disregard this attachment - Seller-06/25/2025 <br> Ready for Review-Document Uploaded. - Seller-06/25/2025 <br> Open-Hazard Insurance Effective Date of XXX is after the Note Date of XXX Missing Current HOI Policy effective from Note Date thru Funding Date. Subject transaction is a primary refinance and evidence of current Hazard Insurance at time of Note Date is missing. Documents submitted are for renewal/new policy effective the funding date. - Due Diligence Vendor-06/18/2025 | Ready for Review-Document Uploaded. - Seller-06/30/2025 <br> Ready for Review-Document Uploaded. attached Final SS showing Disb date XXX - Seller-06/25/2025 <br> Ready for Review-Please disregard this attachment - Seller-06/25/2025 <br> Ready for Review-Document Uploaded. - Seller-06/25/2025 | Resolved-Received previous HOI policy in effect at time of loan closing. - Due Diligence Vendor-06/30/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50% |  | XXX Buyer or Borrower's Statement FINAL.pdf<br> XXX PREV BINDER XXX TO XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 38668014 | XXX | XXX D A C | Closed | 1000135-1000385 | 2025-06-23 09:41 | 2025-06-23 09:45 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-Higher Priced Violation is Valid in XXX, however, Loan is Non-QM. - Due Diligence Vendor-06/23/2025 <br> Open-The loan's (10.712%) APR equals or exceeds the Federal HPML threshold of (10.42%). The threshold is determined by adding 3.5 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 (6.92%).(12 CFR 1026.35(a)(1)(iii)) - Due Diligence Vendor-06/23/2025 <br> Open- - Due Diligence Vendor-06/23/2025 |  | Resolved-Higher Priced Violation is Valid in XXX, however, Loan is Non-QM. - Due Diligence Vendor-06/23/2025 | Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 38668014 | XXX | XXX D A C | Closed | 1000149-1000412 | 2025-06-23 09:41 | 2025-06-23 09:45 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-CA Higher Priced Violation is Valid in XXX, however, Loan is Non-QM. - Due Diligence Vendor-06/23/2025 <br> Open-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (10.712%) equals or exceeds the California HPML threshold of (10.42%). The threshold is determined by adding 3.5 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 (6.92%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) - Due Diligence Vendor-06/23/2025 <br> Open- - Due Diligence Vendor-06/23/2025 |  | Resolved-CA Higher Priced Violation is Valid in XXX, however, Loan is Non-QM. - Due Diligence Vendor-06/23/2025 | Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 38668014 | XXX | XXX D A C | Closed | 1001288-1003549 | 2025-06-23 09:41 | 2025-06-23 09:44 | Resolved | 1 - Information C A | Compliance | AbilityToRepay:PriceBased | Federal - General Qualified Mortgage Price-Based Limit (Junior Lien) | Resolved-QM Violation is Valid in XXX, however, Loan is Non-QM. - Due Diligence Vendor-06/23/2025 <br> Open-The loan's (10.712%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (10.42%), which is the comparable average prime offer rate of (6.92%) plus 3.5. The System used the following date to perform the APOR index lookup (2025-06-05). The system added 3.5 to the comparable APOR because the ($XXX) note amount equals or exceeds ($XXX). The system used an interest rate of (10.25%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (12 CFR 1026.43(e)(2)(vi)(E)) - Due Diligence Vendor-06/23/2025 <br> Open- - Due Diligence Vendor-06/23/2025 |  | Resolved-QM Violation is Valid in XXX, however, Loan is Non-QM. - Due Diligence Vendor-06/23/2025 | Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 38668014 | XXX | XXX D A C | Closed | FCOM4227 | 2025-06-17 15:26 | 2025-06-23 09:44 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Received Initial Closing Disclosure Issued XXX. - Due Diligence Vendor-06/23/2025 <br> Ready for Review-Document Uploaded. - Seller-06/20/2025 <br> Open-Missing Initial Closing Disclosure. Unable to complete regulatory compliance check and TRID Monitoring. - Due Diligence Vendor-06/17/2025 | Ready for Review-Document Uploaded. - Seller-06/20/2025<br>| Resolved-Received Initial Closing Disclosure Issued XXX. - Due Diligence Vendor-06/23/2025 | Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50% |  | XXX Initial CD.pdf<br> XXX Audit log.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 35431564 | XXX | XXX D A | Closed | FCRE3653 | 2025-08-04 10:48 | 2025-08-20 15:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-Received borrower cash out letter. - Due Diligence Vendor-08/20/2025 <br>Ready for Review-Document Uploaded. - Seller-08/20/2025 <br>Open-Missing CashOut Letter from borrowers. - Due Diligence Vendor-08/04/2025 | Ready for Review-Document Uploaded. - Seller-08/20/2025<br>| Resolved-Received borrower cash out letter. - Due Diligence Vendor-08/20/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90%<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50% |  | XXX cash out letter.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 35431564 | XXX | XXX D A | Closed | FCOM1221 | 2025-07-30 15:29 | 2025-08-08 12:00 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-Received Mortgage inclusive of Exhibit "A" Legal Description. - Due Diligence Vendor-08/08/2025 <br> Ready for Review-Document Uploaded. - Seller-08/08/2025 <br> Open-The Deed of Trust is Incomplete The Mortgage is missing the legal description attached as Exhibit A. Mortgage in file dated XXX reflects "SEE LEGAL DESCRIPTION ATTACHED HERETO AND MADE A PART HEREOF AS "EXHIBIT A"." on Page 2, however, Exhibit A is missing. Need full copy of Mortgage inclusive of Exhibit A Legal Description and any Riders. - Due Diligence Vendor-07/30/2025 | Ready for Review-Document Uploaded. - Seller-08/08/2025<br>| Resolved-Received Mortgage inclusive of Exhibit "A" Legal Description. - Due Diligence Vendor-08/08/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90%<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50% |  | XXX - DOT.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 35431564 | XXX | XXX D A | Closed | FCOM8805 | 2025-07-31 13:27 | 2025-08-08 11:11 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Borrower Authorization | Resolved-Received borrower authorization. - Due Diligence Vendor-08/08/2025 <br> Ready for Review-Document Uploaded. - Seller-08/08/2025 <br> Open-Credit report dated XXX pulled by XXX is dated prior to the borrower's authorization dated XXX5. Missing documentation to support borrower's authorization to pull credit pulled on XXX - Due Diligence Vendor-07/31/2025 | Ready for Review-Document Uploaded. - Seller-08/08/2025<br>| Resolved-Received borrower authorization. - Due Diligence Vendor-08/08/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90%<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50% |  | XXX Cert and Autho.pdf<br> XXX Credit Autho.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 31655461 | XXX | XXX D A C | Closed | FCOM1221 | 2025-06-18 15:47 | 2025-06-26 18:43 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-Received complete DOT/Mortgage to include the Legal Description and applicable Riders. - Due Diligence Vendor-06/26/2025 <br> Ready for Review-Document Uploaded. - Seller-06/26/2025 <br> Open-The Deed of Trust is Incomplete The Deed of Trust is missing the legal description attached as Exhibit A. Deed of Trust in file dated XXX reflects "SEE LEGAL DESCRIPTION ATTACHED HERETO AND MADE A PART HEREOF AS "EXHIBIT A"." on Page 2, however, Exhibit A is missing. Need full copy of Deed of Trust inclusive of Exhibit A Legal Description and any Riders. - Due Diligence Vendor-06/18/2025 | Ready for Review-Document Uploaded. - Seller-06/26/2025<br>| Resolved-Received complete DOT/Mortgage to include the Legal Description and applicable Riders. - Due Diligence Vendor-06/26/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 55% |  | DOT.pdf | ATR/QM: Exempt | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 31655461 | XXX | XXX D A C | Closed | FCRE1254 | 2025-06-22 20:03 | 2025-06-26 18:28 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received supporting documentation Title #8 will be removed on the final title policy. - Due Diligence Vendor-06/26/2025 <br>Ready for Review-Document Uploaded. - Seller-06/26/2025 <br>Open-Property Title Issue Missing evidence/title supplement to support title item #8 has been resolved and will not appear on final title policy. - Due Diligence Vendor-06/23/2025 | Ready for Review-Document Uploaded. - Seller-06/26/2025<br>| Resolved-Received supporting documentation Title #8 will be removed on the final title policy. - Due Diligence Vendor-06/26/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 55% |  | XXX Supplemental ReportDelete Item 8 Vesting.pdf | ATR/QM: Exempt | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 39411195 | XXX | XXX D A | Closed | FCOM4227 | 2025-06-12 10:14 | 2025-06-24 15:41 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Received Initial Closing Disclosure Issued XXX. - Due Diligence Vendor-06/24/2025 <br> Ready for Review-Document Uploaded. Please see attached - my apologies - Seller-06/24/2025 <br> Counter-The document attached labeled "CD XXX Initial" is a Closing Disclosure with a Date Issued of XXX. Need an Initial Closing Disclosure with proof of borrower's receipt at least three business days prior to the consummation date of XXX. - Due Diligence Vendor-06/24/2025 <br> Ready for Review-Please see attached, s/b initial XXX which was missed in initial submission. Thank you, - Seller-06/24/2025 <br> Counter-Received Closing Disclosure Issued XXX, however, still need Initial Closing Disclosure with proof of borrower's receipt at least three business days prior to the consummation date of XXX. - Due Diligence Vendor-06/23/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-06/20/2025 <br> Open-Initial Closing Disclosure is missing from the file. Unable to complete regulatory compliance check and TRID Monitoring. - Due Diligence Vendor-06/12/2025 | Ready for Review-Document Uploaded. Please see attached - my apologies - Seller-06/24/2025 <br> Ready for Review-Please see attached, s/b initial XXX which was missed in initial submission. Thank you, - Seller-06/24/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-06/20/2025 | Resolved-Received Initial Closing Disclosure Issued XXX. - Due Diligence Vendor-06/24/2025 | Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%. |  | CD XXXInitial.pdf<br> XXX_XXXInitialCD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 32735494 | XXX | XXX D A C | Closed | FCRE7347 | 2025-06-23 12:04 | 2025-07-30 15:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Received Power Purchase Agreement. - Due Diligence Vendor-07/30/2025 <br>Ready for Review-Document Uploaded. - Seller-07/30/2025 <br>Open-Missing lease agreement for Leased Solar Panels on subject property. - Due Diligence Vendor-06/23/2025 | Ready for Review-Document Uploaded. - Seller-07/30/2025<br>| Resolved-Received Power Purchase Agreement. - Due Diligence Vendor-07/30/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%.<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90%. |  | 1003 and 1008 XXX.pdf<br> Solar Contract (1).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 32735494 | XXX | XXX D A C | Closed | 50001251-Fees-Limited | 2025-06-23 12:53 | 2025-07-02 16:13 | Resolved | 1 - Information C A | Compliance | Mavent | Fees: Limited | Resolved-Received Initial Closing Disclosure Issued XXX with Changed Circumstance Letter dated XXX that reflects COC Due to Broker compensation flipping to XXX. - Due Diligence Vendor-07/02/2025 <br> Resolved- - Due Diligence Vendor-07/02/2025 <br> Ready for Review-Document Uploaded. - Seller-07/02/2025 <br> Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Broker Fees. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). Changed Circumstance Letter in file dated XXX is inaccurate/incomplete. Changed Circumstance Letter does not reflect the addition of the Broker Fee as disclosed on the Initial Closing Disclosure Issued XXX, resulting in the following Violation: <br>The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Broker Fees. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). - Due Diligence Vendor-06/23/2025 | Ready for Review-Document Uploaded. - Seller-07/02/2025<br>| Resolved-Received Initial Closing Disclosure Issued XXX with Changed Circumstance Letter dated XXX that reflects COC Due to Broker compensation flipping to XXX. - Due Diligence Vendor-07/02/2025 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%.<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90%. |  | Initial closing disclosure XXX with COC on broker fees increase.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 37311411 | XXX | XXX D A | Closed | FCRE1316 | 2025-07-30 14:45 | 2025-08-01 12:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received VVOE within 10 days of closing. - Due Diligence Vendor-08/01/2025 <br>Ready for Review-Document Uploaded. - Seller-08/01/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing As per guideline verbal VOE from each employer within 10-days of the note date for wage and salaried employees is required - Due Diligence Vendor-07/30/2025 | Ready for Review-Document Uploaded. - Seller-08/01/2025<br>| Resolved-Received VVOE within 10 days of closing. - Due Diligence Vendor-08/01/2025<br>| Qualifying DTI below max allowed. - XXX calculated DTI is XXX percent below the maximum DTI per guidelines of 660<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80% |  | VVOE XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 35438789 | XXX | XXX D A | Closed | FCRE1201 | 2025-06-09 11:51 | 2025-06-13 09:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received fraud report reflecting no high alerts. - Due Diligence Vendor-06/13/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-06/13/2025 <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-06/09/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-06/13/2025<br>| Resolved-Received fraud report reflecting no high alerts. - Due Diligence Vendor-06/13/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90%<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50% |  | XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 38063067 | XXX | XXX D A | Closed | 50001262-Fees-Limited | 2025-07-02 19:16 | 2025-07-24 16:01 | Resolved | 1 - Information C A | Compliance | Mavent | Fees: Limited | Resolved-Received Revised Closing Disclosure Issued XXX with Changed Circumstance Letter reflecting Lock Extension Applied, thus decreasing Lender Credit. - Due Diligence Vendor-07/24/2025 <br> Resolved-Resolved - Due Diligence Vendor-07/24/2025 <br> Ready for Review-Document Uploaded. lock extension decreased lender credits - Seller-07/24/2025 <br> Open- - Due Diligence Vendor-07/02/2025 <br> Open-On the Final Closing Disclosure in file Issued XXX the Lender Credits decreased without a valid Change of Circumstance, resulting in the following Fail: <br> The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($XXX). The Last CD shows a total lender credit amount of ($XXX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). - Due Diligence Vendor-07/02/2025 <br> Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($XXX). The Last CD shows a total lender credit amount of ($XXX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). - Due Diligence Vendor-07/02/2025 <br> Open- - Due Diligence Vendor-07/02/2025 | Ready for Review-Document Uploaded. lock extension decreased lender credits - Seller-07/24/2025<br>| Resolved-Received Revised Closing Disclosure Issued XXX with Changed Circumstance Letter reflecting Lock Extension Applied, thus decreasing Lender Credit. - Due Diligence Vendor-07/24/2025 <br> Resolved-Resolved - Due Diligence Vendor-07/24/2025 | LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum LTV per guidelines 85%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | Lock extension XXX.pdf<br> XXX_XXX COC XXX.pdf<br> XXX_XXX CD XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 38063067 | XXX | XXX D A | Closed | FCOM4227 | 2025-06-27 10:06 | 2025-07-02 19:20 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Received Initial Closing Disclosure Issued XXX. - Due Diligence Vendor-07/02/2025 <br> Ready for Review-Document Uploaded. - Seller-07/02/2025 <br> Open-Missing Initial Closing Disclosure. Unable to complete regulatory compliance check and TRID Monitoring. - Due Diligence Vendor-06/27/2025 | Ready for Review-Document Uploaded. - Seller-07/02/2025<br>| Resolved-Received Initial Closing Disclosure Issued XXX. - Due Diligence Vendor-07/02/2025 | LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum LTV per guidelines 85%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | D22-ASF Signed.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 38063067 | XXX | XXX D A | Closed | FCOM1329 | 2025-06-27 10:06 | 2025-07-02 19:08 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Anti-Steering Disclosure | Resolved-Received Anti-Steering Form/Loan Options Disclosure. - Due Diligence Vendor-07/02/2025 <br>Ready for Review-Document Uploaded. - Seller-07/02/2025 <br>Open-Missing Anti-Steering Disclosure - Due Diligence Vendor-06/27/2025 | Ready for Review-Document Uploaded. - Seller-07/02/2025<br>| Resolved-Received Anti-Steering Form/Loan Options Disclosure. - Due Diligence Vendor-07/02/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum LTV per guidelines 85%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | Initial CD Signed.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 35472442 | XXX | XXX C A | Closed | FCRE1148 | 2025-06-26 11:49 | 2025-07-16 10:13 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received title supplement reflecting loan amount and mortgagee. - Due Diligence Vendor-07/16/2025 <br> Ready for Review-Document Uploaded. - Seller-07/15/2025 <br> Open-Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien(s) of $XXX Missing Title Supplemental Report reflecting loan amount coverage and mortgagee. - Due Diligence Vendor-06/26/2025 | Ready for Review-Document Uploaded. - Seller-07/15/2025<br>| Resolved-Received title supplement reflecting loan amount and mortgagee. - Due Diligence Vendor-07/16/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 70%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | XXX ProposedInsured.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 33153111 | XXX | XXX D A C | Closed | 50001251-Fees-Limited | 2025-07-03 18:06 | 2025-07-16 15:41 | Resolved | 1 - Information C A | Compliance | Mavent | Fees: Limited | Resolved-Received Changed Circumstance Letter dated XXX that reflects increase in Credit Report Fee. - Due Diligence Vendor-07/16/2025 <br> Resolved- - Due Diligence Vendor-07/16/2025 <br> Resolved- - Due Diligence Vendor-07/16/2025 <br> Ready for Review-Document Uploaded. - Seller-07/16/2025 <br> Open-On the Initial Closing Disclosure provided Issued XXX the Credit Report Fee increased without a valid Change of Circumstance, resulting in the following Fail:<br> The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Credit Report Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). On the Initial Closing Disclosure in file Issued 06/06/2025 the Credit Report Fee increased without a valid Change of Circumstance, resulting in the following Fail: The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Credit Report Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). - Due Diligence Vendor-07/03/2025 <br> Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Credit Report Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). On the Initial Closing Disclosure in file Issued XXX the Credit Report Fee increased without a valid Change of Circumstance, resulting in the following Fail: <br>The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Credit Report Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). - Due Diligence Vendor-07/03/2025 <br> Open- - Due Diligence Vendor-07/03/2025 <br> Open- - Due Diligence Vendor-07/03/2025 | Ready for Review-Document Uploaded. - Seller-07/16/2025<br>| Resolved-Received Changed Circumstance Letter dated XXX that reflects increase in Credit Report Fee. - Due Diligence Vendor-07/16/2025 <br> Resolved- - Due Diligence Vendor-07/16/2025 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 680 |  | XXX Initial CD with COC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 33153111 | XXX | XXX D A C | Closed | FCRE1148 | 2025-06-26 09:58 | 2025-07-07 10:39 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received final title policy reflecting sufficient coverage. - Due Diligence Vendor-07/07/2025 <br> Ready for Review-Document Uploaded. - Seller-07/03/2025 <br> Open-Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien(s) of $XXX Missing title supplement with Coverage Amount of $XXX - Due Diligence Vendor-06/26/2025 | Ready for Review-Document Uploaded. - Seller-07/03/2025<br>| Resolved-Received final title policy reflecting sufficient coverage. - Due Diligence Vendor-07/07/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 680 |  | XXX TTXXX XXX Loan Policy.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 33153111 | XXX | XXX D A C | Closed | FCOM4227 | 2025-06-26 11:54 | 2025-07-03 18:24 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Received Initial Closing Disclosure Issued XXX and signed XXX. - Due Diligence Vendor-07/03/2025 <br> Ready for Review-Document Uploaded. - Seller-07/03/2025 <br> Counter-Received Revised Closing Disclosure Issued XXX and signed XXX, however, need Initial Closing Disclosure with proof of Borrower's receipt at least 3 days prior to the consummation date of XXX. Unable to complete regulatory compliance check and TRID monitoring. - Due Diligence Vendor-07/02/2025 <br> Ready for Review-Document Uploaded. - Seller-07/02/2025 <br> Open-Missing Initial Closing Disclosure. Unable to perform Regulatory Compliance review and TRID Monitoring. - Due Diligence Vendor-06/26/2025 | Ready for Review-Document Uploaded. - Seller-07/03/2025 <br>Ready for Review-Document Uploaded. - Seller-07/02/2025<br>| Resolved-Received Initial Closing Disclosure Issued XXX and signed XXX. - Due Diligence Vendor-07/03/2025 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 680 |  | Initial CD- Signed.pdf<br> CD WET SIGNED XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 33153111 | XXX | XXX D A C | Closed | FCRE1254 | 2025-06-27 15:58 | 2025-07-03 16:10 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received supporting evidence of no monthly payment for lease of equipment. Equipment is not a fixture/lien on the property per title company and power purchase agreement. - Due Diligence Vendor-07/03/2025 <br> Ready for Review-Document Uploaded. - Seller-07/02/2025 <br> Open-Property Title Issue Missing documentation to support tile item #7 (XXX solar system) will not affect subject 2nd lien position. Additionally, the 12 months personal bank statements provided reflect monthly payments to XXX. XXX solar agreement provided, however, no indication if energy based or if there are required lease payments. Subject to re-calc of DTI upon receipt. - Due Diligence Vendor-06/27/2025 | Ready for Review-Document Uploaded. - Seller-07/02/2025<br>| Resolved-Received supporting evidence of no monthly payment for lease of equipment. Equipment is not a fixture/lien on the property per title company and power purchase agreement. - Due Diligence Vendor-07/03/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 680 |  | XXX2ND-L09-title email regarding lien position.pdf<br> XXX2ND-L09-title email about item 6.pdf<br> XXX2ND-L09-NOT XXX.pdf<br> XXX2ND-L09-SOLAR XXXAgreement.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 39160047 | XXX | XXX C A | Closed | FCRE1254 | 2025-06-25 20:22 | 2025-07-16 10:25 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received confirmation title items #19D and 21 will be removed from final title policy. - Due Diligence Vendor-07/16/2025 <br> Ready for Review-Document Uploaded. The #21 mentioned in the email is a response to the old version of the prelim. Please refer to the old version of the prelim. The prelim we submitted before is an update. It actually refers to #22. - Seller-07/16/2025 <br> Counter-Lender commentary received, however insufficient to clear condition as title item #22 is still outstanding. Email confirmation is regarding title item #19 which has been cleared and item #21. - Due Diligence Vendor-07/15/2025 <br> Ready for Review-The title promised to remove item #19 (Bankruptcy) and #22 (Lawsuit) . We are communicating with the title to obtain the updated final title policy. Can you help us clarify this condition first? Once we receive the final title policy, we will send it to you immediately.<br> - Seller-07/15/2025 <br> Counter-Received title confirmation of removal of Item 19D on final title, however still missing evidence title item #22 (Lawsuit) #22 has been resolved/released and will not appear on the final title policy. - Due Diligence Vendor-07/02/2025 <br> Ready for Review-Document Uploaded. - Seller-07/02/2025 <br> Open-Property Title Issue Missing documentation to support item #19 (Bankruptcy) and #22 (Lawsuit) have been resolved/released and will not appear on the final title policy. - Due Diligence Vendor-06/26/2025 | Ready for Review-Document Uploaded. The #21 mentioned in the email is a response to the old version of the prelim. Please refer to the old version of the prelim. The prelim we submitted before is an update.<br> It actually refers to #22. - Seller-07/16/2025 <br>Ready for Review-The title promised to remove item #19 (Bankruptcy) and #22 (Lawsuit) . We are communicating with the title to obtain the updated final title policy. Can you help us clarify this condition first? Once we receive the final title policy, we will send it to you immediately.<br> - Seller-07/15/2025 <br>Ready for Review-Document Uploaded. - Seller-07/02/2025<br>| Resolved-Received confirmation title items #19D and 21 will be removed from final title policy. - Due Diligence Vendor-07/16/2025<br>| DSCR ratio greater than guideline requirement - Calculated DSCR XXX, minimum DSCR per guidelines is 1.<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720.<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80%. |  | title emails_XXX_XXX.pdf<br> HXXX prelim title docs (1)_XXX_XXX(1).pdf | ATR/QM: Exempt | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 39160047 | XXX | XXX C A | Closed | FCRE1440 | 2025-06-25 22:04 | 2025-06-27 16:34 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Guideline Clarification received-cleared. - Due Diligence Vendor-06/27/2025 <br>Ready for Review-Document Uploaded. - Seller-06/27/2025 <br>Open-Housing History Does Not Meet Guideline Requirements DSCR Cash out transaction requires the borrower to currently own 5 properties including a primary residence. Borrower does not currently own a primary residence or a total of 5 properties. Borrower currently lives rent and expense free and lacks at least three mortgages reporting on the borrower's credit in the last three years. Housing history and experience do not meet guidelines. - Due Diligence Vendor-06/26/2025 | Ready for Review-Document Uploaded. - Seller-06/27/2025<br>| Resolved-Guideline Clarification received-cleared. - Due Diligence Vendor-06/27/2025<br>| DSCR ratio greater than guideline requirement - Calculated DSCR XXX, minimum DSCR per guidelines is 1.<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720.<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80%. |  | PTP - 2 (1).pdf | ATR/QM: Exempt | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 39160047 | XXX | XXX C A | Closed | FCRE1479 | 2025-06-25 21:05 | 2025-06-27 10:50 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Received asset statement reflecting sufficient funds to close. - Due Diligence Vendor-06/27/2025 <br> Ready for Review-Document Uploaded. - Seller-06/27/2025 <br> Open-Cashout refinance transaction. Currently funds to close, borrower is required to bring in funds for closing. Missing asset statement to support sufficient funds for closing in the amount of $XXX. - Due Diligence Vendor-06/26/2025 <br> Open-Asset Record 1 Does Not Meet G/L Requirements Short funds to close in the amount of $XXX. Missing asset statement to support sufficient funds for closing. - Due Diligence Vendor-06/26/2025 | Ready for Review-Document Uploaded. - Seller-06/27/2025<br>| Resolved-Received asset statement reflecting sufficient funds to close. - Due Diligence Vendor-06/27/2025<br>| DSCR ratio greater than guideline requirement - Calculated DSCR XXX, minimum DSCR per guidelines is 1.<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720.<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80%. |  | PTP - 1 (2).pdf | ATR/QM: Exempt | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 39160047 | XXX | XXX C A | Closed | FVAL9739 | 2025-06-23 13:42 | 2025-06-27 10:44 | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-Received supporting documentation for AIR Compliance. - Due Diligence Vendor-06/27/2025 <br> Ready for Review-Document Uploaded. - Seller-06/27/2025 <br> Open-Missing documentation to support appraisal order meets AIR compliance. Appraisal completed for XXX Inc reflects "No AMC" and payment was made directly to appraiser - Due Diligence Vendor-06/23/2025 | Ready for Review-Document Uploaded. - Seller-06/27/2025<br>| Resolved-Received supporting documentation for AIR Compliance. - Due Diligence Vendor-06/27/2025<br>| DSCR ratio greater than guideline requirement - Calculated DSCR XXX, minimum DSCR per guidelines is 1.<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720.<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80%. |  | pod.pdf | ATR/QM: Exempt | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 30174902 | XXX | XXX D A C | Closed | FVAL9739 | 2025-06-19 15:02 | 2025-06-24 13:38 | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-Received supporting documentation of AIR Compliance. - Due Diligence Vendor-06/24/2025 <br> Ready for Review-Document Uploaded. - Seller-06/24/2025 <br> Open-Missing documentation to support appraisal order meets AIR compliance. Appraisal completed for XXX reflects "No AMC" and payment was made directly to appraiser. - Due Diligence Vendor-06/19/2025 | Ready for Review-Document Uploaded. - Seller-06/24/2025<br>| Resolved-Received supporting documentation of AIR Compliance. - Due Diligence Vendor-06/24/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90%<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50% |  | XXX_XXX AIR.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | 30174902 | XXX | XXX D A C | Closed | FCOM8805 | 2025-06-19 15:28 | 2025-06-24 13:38 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Borrower Authorization | Resolved-Received borrower authorization. - Due Diligence Vendor-06/24/2025 <br> Ready for Review-Document Uploaded. - Seller-06/24/2025 <br> Open-Credit report dated XXX pulled by XXX is dated prior to the borrower's authorization dated XXX. Missing documentation to support borrower's authorization to pull credit pulled on XXX - Due Diligence Vendor-06/19/2025 | Ready for Review-Document Uploaded. - Seller-06/24/2025<br>| Resolved-Received borrower authorization. - Due Diligence Vendor-06/24/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90%<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50% |  | XXX_XXX CR auth.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | 36513063 | XXX | XXX D A | Closed | FCRE5782 | 2025-07-02 15:42 | 2025-07-11 18:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-received gap report. - Due Diligence Vendor-07/11/2025 <br>Ready for Review-Document Uploaded. - Seller-07/11/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-07/02/2025 | Ready for Review-Document Uploaded. - Seller-07/11/2025<br>| Resolved-received gap report. - Due Diligence Vendor-07/11/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90% |  | report.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 36513063 | XXX | XXX D A | Closed | FCRE5783 | 2025-07-02 15:42 | 2025-07-11 18:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-received gap report. - Due Diligence Vendor-07/11/2025 <br>Ready for Review-Document Uploaded. - Seller-07/11/2025 <br>Open-Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-07/02/2025 | Ready for Review-Document Uploaded. - Seller-07/11/2025<br>| Resolved-received gap report. - Due Diligence Vendor-07/11/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90% |  | report.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 36513063 | XXX | XXX D A | Closed | FCRE1168 | 2025-07-07 20:32 | 2025-07-11 17:55 | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s) and Replacement Cost Value Provided | Resolved-Received policy reflecting additional replacement cost coverage. - Due Diligence Vendor-07/11/2025 <br> Resolved-Hazard Insurance Coverage Amount of $XXX is equal to or greater than all Subject Lien(s) and/or Replacement Cost Estimator is provided and Hazard Insurance Coverage Amount is equal to or greater than Replacement Cost Value of $- Due Diligence Vendor-07/11/2025 <br> Ready for Review-Document Uploaded. senior lien is $XXX, 2nd lien is $XXX total liens is $XXX, there's a 25% extended coverage on dwelling coverage A $XXX total coverage is $XXX - Seller-07/11/2025 <br> Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage Amount of $XXX is less than all Subject Lien(s) and/or Replacement Cost Estimator is provided but Hazard Insurance Coverage Amount is less than Replacement Cost Value of $- Due Diligence Vendor-07/08/2025 | Ready for Review-Document Uploaded. senior lien is $XXX, 2nd lien is $XXX total liens is $XXX, there's a 25% extended coverage on dwelling coverage A $XXX total coverage is $XXX - Seller-07/11/2025 | Resolved-Received policy reflecting additional replacement cost coverage. - Due Diligence Vendor-07/11/2025 <br> Resolved-Hazard Insurance Coverage Amount of $XXX is equal to or greater than all Subject Lien(s) and/or Replacement Cost Estimator is provided and Hazard Insurance Coverage Amount is equal to or greater than Replacement Cost Value of $- Due Diligence Vendor-07/11/2025 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90% |  | UPDATED PROPERTY INSURANCE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 30070466 | XXX | XXX D A C | Closed | FCRE1254 | 2025-07-08 15:47 | 2025-07-17 09:50 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received confirmation from title, lien position is not affected by solar UCC lien. - Due Diligence Vendor-07/16/2025 <br> Ready for Review-Document Uploaded. - Seller-07/16/2025 <br> Open-Property Title Issue Subject property has a lien on title for solar panels with XXX. Missing confirmation or title supplement confirming the lien position of the new mortgage is ahead of the existing solar/UCC liens position. - Due Diligence Vendor-07/08/2025 | Ready for Review-Document Uploaded. - Seller-07/16/2025<br>| Resolved-Received confirmation from title, lien position is not affected by solar UCC lien. - Due Diligence Vendor-07/16/2025<br>| Qualifying DTI below max allowed. - XXX calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%. |  | XXX Title conf.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 30070466 | XXX | XXX D A C | Closed | FCRE1479 | 2025-07-08 15:59 | 2025-07-17 09:46 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Received Final Settlement statement reflecting funds to borrower. - Due Diligence Vendor-07/17/2025 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-07/16/2025 <br> Open-Asset Record 1 Does Not Meet G/L Requirements Transaction is short funds to close in the amount of $XXX. Missing asset statement to support sufficient funds for closing. Additional conditions may apply upon receipt. - Due Diligence Vendor-07/08/2025 |  | Resolved-Received Final Settlement statement reflecting funds to borrower. - Due Diligence Vendor-07/17/2025<br>| Qualifying DTI below max allowed. - XXX calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%. |  | XXX Final Statement - Borrower.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 30070466 | XXX | XXX D A C | Closed | 50001262-Fees-Limited | 2025-07-03 11:02 | 2025-07-16 17:47 | Resolved | 1 - Information C A | Compliance | Mavent | Fees: Limited | Resolved-Received Changed Circumstance Letter Dated XXX that reflects decrease in Lender Credit and addition of Points and Revised Closing Disclosure Issued XXX. - Due Diligence Vendor-07/16/2025 <br> Resolved- - Due Diligence Vendor-07/16/2025 <br> Ready for Review-Document Uploaded. - Seller-07/16/2025 <br> Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($XXX). The Last CD shows a total lender credit amount of ($XXX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). Changed Circumstance Letter in file dated XXX is inaccurate/incomplete. Changed Circumstance Letter does not reflect the addition of "Points" or the decrease in Lender Credits as disclosed on Revised Closing Disclosure Issued XXX, resulting in the following Fail:<br> The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($XXX). The Last CD shows a total lender credit amount of ($XXX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). - Due Diligence Vendor-07/03/2025 <br> Open- - Due Diligence Vendor-07/03/2025 | Ready for Review-Document Uploaded. - Seller-07/16/2025<br>| Resolved-Received Changed Circumstance Letter Dated XXX that reflects decrease in Lender Credit and addition of Points and Revised Closing Disclosure Issued XXX. - Due Diligence Vendor-07/16/2025 <br> Resolved- - Due Diligence Vendor-07/16/2025 | Qualifying DTI below max allowed. - XXX calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%. |  | CD XXX & COC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 30070466 | XXX | XXX D A C | Closed | 50001251-Fees-Limited | 2025-07-03 11:02 | 2025-07-16 17:46 | Resolved | 1 - Information C A | Compliance | Mavent | Fees: Limited | Resolved-Received Changed Circumstance Letter Dated XXX that reflects decrease in Lender Credit and addition of Points and Revised Closing Disclosure Issued XXX. - Due Diligence Vendor-07/16/2025 <br> Resolved- - Due Diligence Vendor-07/16/2025 <br> Ready for Review-Document Uploaded. - Seller-07/16/2025 <br> Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). Changed Circumstance Letter in file dated XXX is inaccurate/incomplete. Changed Circumstance Letter does not reflect the addition of "Points" or the decrease in Lender Credits as disclosed on Revised Closing Disclosure Issued XXX, resulting in the following Fail:<br> The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: 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. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). - Due Diligence Vendor-07/03/2025 <br> Open- - Due Diligence Vendor-07/03/2025 | Ready for Review-Document Uploaded. - Seller-07/16/2025<br>| Resolved-Received Changed Circumstance Letter Dated XXX that reflects decrease in Lender Credit and addition of Points and Revised Closing Disclosure Issued XXX. - Due Diligence Vendor-07/16/2025 <br> Resolved- - Due Diligence Vendor-07/16/2025 | Qualifying DTI below max allowed. - XXX calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%. |  | XXX XXX CD & COC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 30070466 | XXX | XXX D A C | Closed | FCRE5782 | 2025-07-03 09:51 | 2025-07-16 16:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received copy of Gap report. - Due Diligence Vendor-07/11/2025 <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-07/11/2025 <br>Ready for Review-Document Uploaded. - Seller-07/11/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-07/03/2025 | Ready for Review-Document Uploaded. - Seller-07/11/2025<br>| Resolved-Received copy of Gap report. - Due Diligence Vendor-07/11/2025 <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-07/11/2025<br>| Qualifying DTI below max allowed. - XXX calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%. |  | XXX Softpull XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 33961108 | XXX | XXX D B C A | Closed | FCRE1254 | 2025-06-25 23:59 | 2025-07-02 17:31 | Waived | 2 - Non-Material C B | Credit | Title | Property Title Issue | Waived-Upon additional review, Client elects to waive with Comp Factors. - Due Diligence Vendor-07/02/2025 <br> Ready for Review-Document Uploaded. Exception is attached. - Seller-07/02/2025 <br> Counter-Received scenario desk approval, however missing formal investor exception approval. Also missing internal lender waiver form, to include Comp Factors, executed by approving party. - Due Diligence Vendor-06/30/2025 <br> Ready for Review-Document Uploaded. attached is the email. We asked XXX Scenarios to make sure we can proceed with the current operating agreement. - Seller-06/30/2025 <br> Counter-Received Operating Agreement, however insufficient to clear condition as guidelines require all Members with 25% ownership or greater to apply for the loan and meet all credit requirements. Additionally, other two Members are reflected in a trust. Missing supporting documentation for the additional owners (loan applications and credit requirements) and eligibility of borrowers respective trusts. - Due Diligence Vendor-06/27/2025 <br> Ready for Review-Document Uploaded. operating agreement attached - Seller-06/26/2025 <br> Open-Property Title Issue DSCR program borrower closing in the name of XXX, LLC. Missing: Operating agreement to confirm all interested persons with 25% or greater ownership. Subject to additional conditions upon receipt. - Due Diligence Vendor-06/26/2025 | Ready for Review-Document Uploaded. Exception is attached. - Seller-07/02/2025 <br> Ready for Review-Document Uploaded. attached is the email. We asked XXX Scenarios to make sure we can proceed with the current operating agreement. - Seller-06/30/2025 <br> Ready for Review-Document Uploaded. operating agreement attached - Seller-06/26/2025 | Waived-Upon additional review, Client elects to waive with Comp Factors. - Due Diligence Vendor-07/02/2025<br>| DSCR ratio greater than guideline requirement - Calculated DSCR XXX, minimum DSCR per guidelines is 1.<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720. | 1) XXX FICO is greater than 720 minimum<br> 2) DSCR of XXX is greater than minimum of 1 | XXX operating agreement.pdf<br> XXX Email from XXX.pdf<br> XXX Exception.pdf | ATR/QM: Exempt | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes |
| XXX | 33961108 | XXX | XXX D B C A | Closed | FCRE1166 | 2025-06-23 13:57 | 2025-06-27 15:10 | Resolved | 1 - Information A | Credit | Insurance | Hazard Insurance Coverage is less than all Subject Lien(s) | Resolved-Received RCE reflecting sufficient HOI coverage. - Due Diligence Vendor-06/27/2025 <br> Ready for Review-Document Uploaded. Replacement cost estimator shows estimated reconstruction cost of $XXX - Seller-06/27/2025 <br> Open-Hazard Insurance Coverage Amount of $XXX is less than Total Amount of Subject Lien(s) of $XXX Hazard Insurance Coverage Amount of $XXX is insufficient to cover loan amount - Due Diligence Vendor-06/23/2025 | Ready for Review-Document Uploaded. Replacement cost estimator shows estimated reconstruction cost of $XXX - Seller-06/27/2025 | Resolved-Received RCE reflecting sufficient HOI coverage. - Due Diligence Vendor-06/27/2025<br>| DSCR ratio greater than guideline requirement - Calculated DSCR XXX, minimum DSCR per guidelines is 1.<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720. |  | XXX Replacement cost estimator.pdf | ATR/QM: Exempt | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 33961108 | XXX | XXX D B C A | Closed | FCOM1221 | 2025-06-23 13:05 | 2025-06-26 15:36 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-Received Deed of Trust inclusive of Exhibit A Legal Description. - Due Diligence Vendor-06/26/2025 <br> Ready for Review-Document Uploaded. recorded mortgage with legal attached - Seller-06/26/2025 <br> Open-The Deed of Trust is Incomplete The Deed of Trust is missing the legal description attached as Exhibit A. Deed of Trust in file dated XXX reflects "SEE LEGAL DESCRIPTION ATTACHED HERETO AND MADE A PART HEREOF AS "EXHIBIT A"." on Page 2, however, Exhibit A is missing. Need full copy of Deed of Trust inclusive of Exhibit A Legal Description and any Riders. - Due Diligence Vendor-06/23/2025 | Ready for Review-Document Uploaded. recorded mortgage with legal attached - Seller-06/26/2025<br>| Resolved-Received Deed of Trust inclusive of Exhibit A Legal Description. - Due Diligence Vendor-06/26/2025<br>| DSCR ratio greater than guideline requirement - Calculated DSCR XXX, minimum DSCR per guidelines is 1.<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720. |  | Recorded_Documents-XXX_XXX-XXX_XXX_XXX.pdf | ATR/QM: Exempt | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 32539676 | XXX | XXX D A C | Closed | FCRE1441 | 2025-06-16 14:54 | 2025-06-20 10:38 | Resolved | 1 - Information C A | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Resolved-Lender LOX received - borrower is an Authorized User. - Due Diligence Vendor-06/20/2025 <br> Ready for Review-Document Uploaded. - Seller-06/20/2025 <br> Counter-Lender commentary received, however insufficient to clear condition as account is included in borrowers DTI and referenced in borrower LOX. Original condition remains. - Due Diligence Vendor-06/18/2025 <br> Ready for Review-The tradeline in question is an authorized user account and it is not a valid tradeline. This is why the derogs were disregarded – the borrower is not the account owner and per the guidelines authorized user accounts are not considered valid tradelines. - Seller-06/17/2025 <br> Open-Delinquent Credit History Does Not Meet Guideline Requirements Discrepancy with documentation submitted for delinquent credit, XXX Card #XXX. Per LOE, late payments did not occur until after dispute for fraudulent activity. However, credit report only reflects account is closed, no dispute and delinquent with a payment and balance. Per guidelines, delinquent consumer credit is ineligible. - Due Diligence Vendor-06/16/2025 | Ready for Review-Document Uploaded. - Seller-06/20/2025 <br>Ready for Review-The tradeline in question is an authorized user account and it is not a valid tradeline. This is why the derogs were disregarded – the borrower is not the account owner and per the guidelines authorized user accounts are not considered valid tradelines. - Seller-06/17/2025<br>| Resolved-Lender LOX received - borrower is an Authorized User. - Due Diligence Vendor-06/20/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum LTV per guidelines 80%<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50% |  | XXX LOE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 32539676 | XXX | XXX D A C | Closed | FSER1216 | 2025-06-12 11:13 | 2025-06-17 14:31 | Resolved | 1 - Information A | Servicing | Additional Information | Initial Closing Disclosure is missing | Resolved-Received Initial Closing Disclosure Issued XXX. - Due Diligence Vendor-06/17/2025 <br> Ready for Review-Document Uploaded. - Seller-06/17/2025 <br> Open-Initial Closing Disclosure is missing from the file. - Due Diligence Vendor-06/12/2025 | Ready for Review-Document Uploaded. - Seller-06/17/2025<br>| Resolved-Received Initial Closing Disclosure Issued XXX. - Due Diligence Vendor-06/17/2025 | LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum LTV per guidelines 80%<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50% |  | XXX Initial CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 32539676 | XXX | XXX D A C | Closed | FCOM4227 | 2025-06-12 12:07 | 2025-06-17 13:47 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Received Initial Closing Disclosure Issued XXX. - Due Diligence Vendor-06/17/2025 <br> Ready for Review-Document Uploaded. - Seller-06/17/2025 <br> Open-Initial Closing Disclosure is missing from the file. Unable to complete regulatory compliance check and TRID Monitoring. - Due Diligence Vendor-06/12/2025 | Ready for Review-Document Uploaded. - Seller-06/17/2025<br>| Resolved-Received Initial Closing Disclosure Issued XXX. - Due Diligence Vendor-06/17/2025 | LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum LTV per guidelines 80%<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50% |  | XXX Initial CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 32539676 | XXX | XXX D A C | Closed | 5000880-AbilityToRepay-QMPointsAndFees | 2025-06-17 13:45 | 2025-06-17 13:46 | Resolved | 1 - Information C A | Compliance | Mavent | AbilityToRepay: QMPointsAndFees | Resolved-QM Violation is Valid in XXX, however, Loan is Non-QM. - Due Diligence Vendor-06/17/2025 <br> Open-The loan fees ($XXX) exceed the (QM) (Note Amount >=$XXX and <$XXX) fee limit, which is ($XXX), the difference is ($XXX). (12 CFR 1026.43(e)(3)). - Due Diligence Vendor-06/17/2025 |  | Resolved-QM Violation is Valid in XXX, however, Loan is Non-QM. - Due Diligence Vendor-06/17/2025 | LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum LTV per guidelines 80%<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 35819189 | XXX | XXX D B A C | Closed | 50001258-Fees-Limited | 2025-06-18 15:27 | 2025-07-21 14:20 | Cured | 2 - Non-Material C B | Compliance | Mavent | Fees: Limited | Cured-Received Post Consummation Closing Disclosure Issued XXX that reflects a Reimbursement of $XXX, as well as a copy of the Reimbursement Check. - Due Diligence Vendor-07/21/2025 <br> Resolved-Resolved - Due Diligence Vendor-07/21/2025 <br> Ready for Review-Document Uploaded. Tracking Number: XXX Service: XXX Ground Service<br> Delivered By: End of Day XXX<br> - Seller-07/21/2025 <br> Open-The total amount of the 10% category fees on the last Closing Disclosure ($XXX) has increased by more than 10% over the current baseline value of ($XXX). The total amount of fees in the 10% category cannot exceed ($XXX). 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)). On the Post Consummation Closing Disclosure in file Issued 06/11/2025 the "Recording Fees" increased, resulting in the following failure:<br> The total amount of the 10% category fees on the last Closing Disclosure ($XXX) has increased by more than 10% over the current baseline value of ($XXX). The total amount of fees in the 10% category cannot exceed ($XXX). 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-06/18/2025 | Ready for Review-Document Uploaded. Tracking Number: XXX<br> Service: XXX Ground Service<br> Delivered By: End of Day Tuesday, Jul 22, 2025<br> - Seller-07/21/2025 | Cured-Received Post Consummation Closing Disclosure Issued XXX that reflects a Reimbursement of $XXX as well as a copy of the Reimbursement Check. - Due Diligence Vendor-07/21/2025 <br> Resolved-Resolved - Due Diligence Vendor-07/21/2025 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80% |  | Check copy.pdf<br>Final CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 35819189 | XXX | XXX D B A C | Closed | FCRE1254 | 2025-06-22 18:53 | 2025-07-10 18:06 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Document Uploaded. Received supporting documentation. - Due Diligence Vendor-07/10/2025 <br> Counter-Received duplicate title commitment already included in loan file which reflects a UCC Lien. Still missing documentation to support title item #12 has been satisfied and will not precede subject lien position. - Due Diligence Vendor-07/03/2025 <br> Ready for Review-Document Uploaded. - Seller-07/02/2025 <br> Open-Property Title Issue Missing documentation to support title item #12 has been satisfied and will not precede subject lien position. Property utilizes solar panels. Copy of XXX lease provided. Guidelines require title supplement confirming the lien position of the subject new mortgage is ahead of the UCC / financing statement filing. - Due Diligence Vendor-06/22/2025 | Ready for Review-Document Uploaded. - Seller-07/02/2025<br>| Resolved-Document Uploaded. Received supporting documentation. - Due Diligence Vendor-07/10/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80% |  | XXX-ucc removed.pdf<br> XXX title confirmation of UCC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 35819189 | XXX | XXX D B A C | Closed | FCRE3978 | 2025-06-20 15:10 | 2025-07-03 10:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Resolved-Received borrower explanation for credit inquiry. - Due Diligence Vendor-07/03/2025 <br> Ready for Review-Document Uploaded. PLEASE SEE ATTACHED - Seller-07/02/2025 <br> Open-Letter of explanation for credit inquiry for XXX-XXX XXX is blank. - Due Diligence Vendor-06/20/2025 | Ready for Review-Document Uploaded. PLEASE SEE ATTACHED - Seller-07/02/2025<br>| Resolved-Received borrower explanation for credit inquiry. - Due Diligence Vendor-07/03/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80% |  | XXX-XXX-LOE - XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 31677388 | XXX | XXX D A | Closed | FCRE1201 | 2025-07-09 16:55 | 2025-07-11 18:34 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-07/11/2025 <br>Resolved-Fraud report received. All high impact items addressed/cleared. - Due Diligence Vendor-07/11/2025 <br>Ready for Review-Document Uploaded. - Seller-07/11/2025 <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-07/09/2025 | Ready for Review-Document Uploaded. - Seller-07/11/2025<br>| Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-07/11/2025 <br>Resolved-Fraud report received. All high impact items addressed/cleared. - Due Diligence Vendor-07/11/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 70%.<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700. |  | XXX Fraud.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 31677388 | XXX | XXX D A | Closed | FCRE5782 | 2025-07-03 11:42 | 2025-07-11 18:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Gap report received dated XXX - Due Diligence Vendor-07/11/2025 <br> Ready for Review-Document Uploaded. - Seller-07/11/2025 <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-07/03/2025 | Ready for Review-Document Uploaded. - Seller-07/11/2025<br>| Resolved-Gap report received dated XXX - Due Diligence Vendor-07/11/2025 | LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 70%.<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700. |  | XXX Credit Refresh.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 31677388 | XXX | XXX D A | Closed | FCRE5783 | 2025-07-03 11:42 | 2025-07-11 18:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Gap report received dated XXX - Due Diligence Vendor-07/11/2025 <br> Ready for Review-Document Uploaded. - Seller-07/11/2025 <br> Open-Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-07/03/2025 | Ready for Review-Document Uploaded. - Seller-07/11/2025<br>| Resolved-Gap report received dated XXX - Due Diligence Vendor-07/11/2025 | LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 70%.<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700. |  | XXX Credit Refresh.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 31677388 | XXX | XXX D A | Closed | FCRE1254 | 2025-07-03 11:24 | 2025-07-11 18:24 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - Due Diligence Vendor-07/11/2025 <br>Open-Property Title Issue - Due Diligence Vendor-07/03/2025 |  | Resolved-Property Title Issue Resolved - Due Diligence Vendor-07/11/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 70%.<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 31677388 | XXX | XXX D A | Closed | FCRE1151 | 2025-07-03 11:24 | 2025-07-11 18:24 | Resolved | 1 - Information C A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-Satisfactory Chain of Title has been provided - Due Diligence Vendor-07/11/2025 <br> Resolved-Received schedule "A" dated XXX reflecting vested owner XXX and XXX and is consistent with title report dated XXX for new mortgage to XXX and XXX. - Due Diligence Vendor-07/11/2025 <br> Ready for Review-Document Uploaded. - Seller-07/11/2025 <br> Open-Unsatisfactory Chain of Title provided - Due Diligence Vendor-07/03/2025 | Ready for Review-Document Uploaded. - Seller-07/11/2025<br>| Resolved-Satisfactory Chain of Title has been provided - Due Diligence Vendor-07/11/2025 <br> Resolved-Received schedule "A" dated XXX reflecting vested owner XXX and XXX and is consistent with title report dated XXX for new mortgage to XXX and XXX. - Due Diligence Vendor-07/11/2025 | LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 70%.<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700. |  | XXX TR.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 31677388 | XXX | XXX D A | Closed | FCRE1145 | 2025-07-03 11:24 | 2025-07-11 18:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-07/11/2025 <br> Resolved-Title report dated XXX received. - Due Diligence Vendor-07/11/2025 <br> Ready for Review-Document Uploaded. - Seller-07/11/2025 <br> Open-Title Document is missing - Due Diligence Vendor-07/03/2025 | Ready for Review-Document Uploaded. - Seller-07/11/2025<br>| Resolved-Title Document is fully Present - Due Diligence Vendor-07/11/2025 <br> Resolved-Title report dated XXX received. - Due Diligence Vendor-07/11/2025 | LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 70%.<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700. |  | XXX policy .pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 31677388 | XXX | XXX D A | Closed | FCRE1630 | 2025-07-03 11:24 | 2025-07-11 18:24 | Resolved | 1 - Information C A | Credit | Title | Vested Owner Signature Does Not Meet Requirements | Resolved-Vested Owner Signature Meets Requirements - Due Diligence Vendor-07/11/2025 <br>Open-Vested Owner Signature Does Not Meet Requirements - Due Diligence Vendor-07/03/2025 |  | Resolved-Vested Owner Signature Meets Requirements - Due Diligence Vendor-07/11/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 70%.<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 31677388 | XXX | XXX D A | Closed | FCRE1152 | 2025-07-09 16:50 | 2025-07-11 18:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-07/11/2025 <br>Open-Missing Evidence of Property Tax - Due Diligence Vendor-07/09/2025 |  | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-07/11/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 70%.<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 31677388 | XXX | XXX D A | Closed | FCRE1253 | 2025-07-09 16:50 | 2025-07-11 18:24 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Property Tax Cert | Resolved-Property Tax Cert Provided - Due Diligence Vendor-07/11/2025 <br>Resolved-Tax cert received. - Due Diligence Vendor-07/11/2025 <br>Ready for Review-Document Uploaded. - Seller-07/11/2025 <br>Open-Missing Property Tax Cert - Due Diligence Vendor-07/09/2025 | Ready for Review-Document Uploaded. - Seller-07/11/2025<br>| Resolved-Property Tax Cert Provided - Due Diligence Vendor-07/11/2025 <br>Resolved-Tax cert received. - Due Diligence Vendor-07/11/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 70%.<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700. |  | XXX-XXX_TC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 31677388 | XXX | XXX D A | Closed | FCOM1221 | 2025-07-03 15:16 | 2025-07-11 12:37 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-Received Mortgage inclusive of Schedule A Legal Description. - Due Diligence Vendor-07/11/2025 <br>Ready for Review-Document Uploaded. - Seller-07/11/2025 <br>Open-The Deed of Trust is Incomplete Mortgage is missing the legal description. Mortgage in file reflects "SEE LEGAL DESCRIPTION ATTACHED HERETO AND MADE A PART HEREOF AS "EXHIBIT A"." on Page 2, however, legal description is missing. Need full copy of Mortgage inclusive of legal description. - Due Diligence Vendor-07/03/2025 | Ready for Review-Document Uploaded. - Seller-07/11/2025<br>| Resolved-Received Mortgage inclusive of Schedule A Legal Description. - Due Diligence Vendor-07/11/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 70%.<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700. |  | XXX Mortgage.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 38256107 | XXX | XXX D A | Closed | FCRE1201 | 2025-07-24 15:18 | 2025-08-11 15:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received Cleared fraud report reflecting explanation for clearance of high alert. - Due Diligence Vendor-08/11/2025 <br>Ready for Review-Document Uploaded. - Seller-08/11/2025 <br>Counter-Received fraud report, however missing supporting documentation evidencing high alerts have been addressed. - Due Diligence Vendor-07/29/2025 <br>Ready for Review-Document Uploaded. - Seller-07/29/2025 <br>Open-Missing Third Party Fraud Report . - Due Diligence Vendor-07/28/2025 | Ready for Review-Document Uploaded. - Seller-08/11/2025 <br>Ready for Review-Document Uploaded. - Seller-07/29/2025<br>| Resolved-Received Cleared fraud report reflecting explanation for clearance of high alert. - Due Diligence Vendor-08/11/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | XXX Fraud.pdf<br> XXXConnect.pdf<br> SOD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 38256107 | XXX | XXX D A | Closed | FCRE1254 | 2025-07-23 10:06 | 2025-08-06 09:26 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received evidence XXX bank account #XXX has been PIF and closed. - Due Diligence Vendor-08/06/2025 <br> Ready for Review-Document Uploaded. - Seller-08/06/2025 <br> Counter-Received title commitment, however missing evidence $XXX HELOC with XXX bank #XXX has been Paid in Full/Closed. - Due Diligence Vendor-07/29/2025 <br> Ready for Review-Document Uploaded. - Seller-07/29/2025 <br> Open-Property Title Issue Missing title commitment. - Due Diligence Vendor-07/28/2025 | Ready for Review-Document Uploaded. - Seller-08/06/2025 <br>Ready for Review-Document Uploaded. - Seller-07/29/2025<br>| Resolved-Received evidence XXX bank account #XXX has been PIF and closed. - Due Diligence Vendor-08/06/2025 | Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | XXX Title Commitment.pdf<br> Paid in Full HELOC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 38256107 | XXX | XXX D A | Closed | FCRE1151 | 2025-07-23 10:06 | 2025-07-29 14:58 | Resolved | 1 - Information C A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-Received satisfactory chain of title. - Due Diligence Vendor-07/29/2025 <br>Ready for Review-Document Uploaded. - Seller-07/29/2025 <br>Open-Unsatisfactory Chain of Title provided Missing title commitment along with chain of title. - Due Diligence Vendor-07/28/2025 | Ready for Review-Document Uploaded. - Seller-07/29/2025<br>| Resolved-Received satisfactory chain of title. - Due Diligence Vendor-07/29/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | XXX Chain of Title.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 38256107 | XXX | XXX D A | Closed | FCRE1152 | 2025-07-28 14:37 | 2025-07-29 14:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received property tax cert. - Due Diligence Vendor-07/29/2025 <br>Open-Missing Evidence of Property Tax. - Due Diligence Vendor-07/28/2025 |  | Resolved-Received property tax cert. - Due Diligence Vendor-07/29/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 38256107 | XXX | XXX D A | Closed | FCOM1221 | 2025-07-23 13:17 | 2025-07-29 14:47 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-Received mortgage inclusive of legal description. - Due Diligence Vendor-07/29/2025 <br>Ready for Review-Document Uploaded. - Seller-07/29/2025 <br>Open-The Deed of Trust is Incomplete Mortgage is missing the legal description. Mortgage in file reflects "SEE LEGAL DESCRIPTION ATTACHED HERETO AND MADE A PART HEREOF AS "EXHIBIT A"." on Page 2, however, legal description is missing. Need full copy of Mortgage inclusive of legal description. - Due Diligence Vendor-07/23/2025 | Ready for Review-Document Uploaded. - Seller-07/29/2025<br>| Resolved-Received mortgage inclusive of legal description. - Due Diligence Vendor-07/29/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | XXX Deed of Trust with LD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 38256107 | XXX | XXX D A | Closed | FCRE5782 | 2025-07-23 10:19 | 2025-07-29 14:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received gap credit report reflecting no new debt or inquiries. - Due Diligence Vendor-07/29/2025 <br> Ready for Review-Document Uploaded. - Seller-07/29/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Missing Gap report which is required if Note date is greater than 30 days after the date of the original credit report of XXX - Due Diligence Vendor-07/28/2025 | Ready for Review-Document Uploaded. - Seller-07/29/2025<br>| Resolved-Received gap credit report reflecting no new debt or inquiries. - Due Diligence Vendor-07/29/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | XXX Gap Report.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 38256107 | XXX | XXX D A | Closed | FCRE1335 | 2025-07-28 14:53 | 2025-07-29 14:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Resolved-Received 2023/2024 W2 transcripts. - Due Diligence Vendor-07/29/2025 <br>Ready for Review-Document Uploaded. - Seller-07/29/2025 <br>Open-Borrower 1 IRS Transcripts Missing Missing 2023 & 2024 W2 transcripts. - Due Diligence Vendor-07/28/2025 | Ready for Review-Document Uploaded. - Seller-07/29/2025<br>| Resolved-Received 2023/2024 W2 transcripts. - Due Diligence Vendor-07/29/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | XXX 23 & 24 W2 transcripts.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 36761175 | XXX | XXX D A | Closed | FCRE1201 | 2025-08-12 11:47 | 2025-08-22 13:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received supporting documentation. - Due Diligence Vendor-08/22/2025 <br>Ready for Review-Document Uploaded. - Seller-08/22/2025 <br>Counter-Lender commentary received - high alert must be cleared or Lender LOX provided to document how alert was addressed. - Due Diligence Vendor-08/20/2025 <br>Ready for Review-Which Alert is Unaddressed? - Seller-08/19/2025 <br>Counter-Received fraud report, however report reflects unaddressed high alert. - Due Diligence Vendor-08/15/2025 <br>Ready for Review-Document Uploaded. - Seller-08/14/2025 <br>Counter-Received title commitment, which is not for this condition. Still missing third party fraud report. - Due Diligence Vendor-08/14/2025 <br>Ready for Review-Document Uploaded. - Seller-08/14/2025 <br>Open-Missing Third Party Fraud Report. - Due Diligence Vendor-08/13/2025 | Ready for Review-Document Uploaded. - Seller-08/22/2025 <br>Ready for Review-Which Alert is Unaddressed? - Seller-08/19/2025 <br>Ready for Review-Document Uploaded. - Seller-08/14/2025 <br>Ready for Review-Document Uploaded. - Seller-08/14/2025<br>| Resolved-Received supporting documentation. - Due Diligence Vendor-08/22/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90% |  | XXX Title.pdf<br> XXX XXX Fraud Manager.pdf<br> XXXConnect.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 36761175 | XXX | XXX D A | Closed | FCRE1145 | 2025-08-12 09:28 | 2025-08-14 14:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Received title commitment reflecting sufficient title coverage. - Due Diligence Vendor-08/14/2025 <br> Ready for Review-Document Uploaded. - Seller-08/14/2025 <br> Open-Title Document is missing Missing title commitment with loan amount of $XXX. - Due Diligence Vendor-08/13/2025 | Ready for Review-Document Uploaded. - Seller-08/14/2025<br>| Resolved-Received title commitment reflecting sufficient title coverage. - Due Diligence Vendor-08/14/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90% |  | XXX Title.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 31905595 | XXX | XXX D A | Closed | FCRE1173 | 2025-09-04 08:39 | 2025-09-16 15:57 | Resolved | 1 - Information D A | Credit | Missing Doc | HO6 or Master Insurance Policy is Missing | Resolved-Received Master policy. - Due Diligence Vendor-09/16/2025 <br> Ready for Review-Document Uploaded. - Seller-09/16/2025 <br> Counter-Lender commentary received, however insufficient to clear condition. Missing evidence projects' legal documents require only individual property insurance policy per Fannie Mae. - Due Diligence Vendor-09/04/2025 <br> Ready for Review-Document Uploaded. - Seller-09/04/2025 <br> Open-Missing HO-6 Master Insurance Policy Missing Master Policy for common elements and shared structures per XXX Guidelines. No documentation submitted to evidence policy is not required. - Due Diligence Vendor-09/04/2025 | Ready for Review-Document Uploaded. - Seller-09/16/2025 <br>Ready for Review-Document Uploaded. - Seller-09/04/2025<br>| Resolved-Received Master policy. - Due Diligence Vendor-09/16/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50% |  | HO3 Policy covering 1.2 mil on coverage - Detached PUD - No master is needed.pdf<br> P418 Cert XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 31905595 | XXX | XXX D A | Closed | FCRE3653 | 2025-09-04 08:51 | 2025-09-15 14:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-Received borrower cash out letter. - Due Diligence Vendor-09/15/2025 <br> Ready for Review-Document Uploaded. - Seller-09/15/2025 <br> Counter-Lender commentary received - Per section 4.1.2 of guidelines, a letter of explanation must be provided for cash out refinance transactions. - Due Diligence Vendor-09/05/2025 <br> Ready for Review-UW Response: Please point out the requirement for a cash-out letter in the XXX Guidelines XXX Closed-End Seconds. - Seller-09/05/2025 <br> Open-Missing Cash-Out Letter per guidelines. - Due Diligence Vendor-09/04/2025 | Ready for Review-Document Uploaded. - Seller-09/15/2025 <br> Ready for Review-UW Response: Please point out the requirement for a cash-out letter in the XXX Guidelines XXX. - Seller-09/05/2025 | Resolved-Received borrower cash out letter. - Due Diligence Vendor-09/15/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50% |  | cash out.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 31905595 | XXX | XXX D A | Closed | FCRE5116 | 2025-09-04 08:43 | 2025-09-05 13:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Lender commentary received - Borrower is not obligated on the Note. Taxes and insurance included in loan file do not reflect delinquency. - Due Diligence Vendor-09/05/2025 <br> Ready for Review-UW Response: The borrower is NOT obligated on this mortgage. There is no requirement to provide a rating for a mortgage where the borrower is not obligated. Please escalate this issue and remove this finding. - Seller-09/05/2025 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing evidence of acceptable pay history/mortgage rating for Mortgage Loan xxXXX with XXX Corporation for property located at XXX per guidelines. - Due Diligence Vendor-09/04/2025 | Ready for Review-UW Response: The borrower is NOT obligated on this mortgage. There is no requirement to provide a rating for a mortgage where the borrower is not obligated. Please escalate this issue and remove this finding. - Seller-09/05/2025<br>| Resolved-Lender commentary received - Borrower is not obligated on the Note. Taxes and insurance included in loan file do not reflect delinquency. - Due Diligence Vendor-09/05/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 31905595 | XXX | XXX D A | Closed | FCRE7497 | 2025-09-04 08:53 | 2025-09-05 13:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received copy of Note/Loan Agreement reflecting borrower is not obligated on the Note. - Due Diligence Vendor-09/05/2025 <br> Ready for Review-Document Uploaded. UW Response: The mortgage note for this property was provided at delivery. The note verifies the borrower is not obligated on the loan. The loan, therefore, is not required to be included in the DTI or the rental income loss (note: no rental income is used for this property). The tax and insurance have been included in the DTI. The mortgage note has been provided again. Please escalate this issue and remove this finding. - Seller-09/05/2025 <br> Open-Missing evidence of PITIA (mortgage coupon) for property located at: XXX. Documentation submitted does not reflect monthly mortgage payment. Lender did not include in rental income loss. Subject to recalculation of DTI. - Due Diligence Vendor-09/04/2025 | Ready for Review-Document Uploaded. UW Response: The mortgage note for this property was provided at delivery. The note verifies the borrower is not obligated on the loan. The loan, therefore, is not required to be included in the DTI or the rental income loss (note: no rental income is used for this property). The tax and insurance have been included in the DTI. The mortgage note has been provided again. Please escalate this issue and remove this finding. - Seller-09/05/2025<br>| Resolved-Received copy of Note/Loan Agreement reflecting borrower is not obligated on the Note. - Due Diligence Vendor-09/05/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50% |  | XXX Note.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 31905595 | XXX | XXX D A | Closed | FCOM1797 | 2025-09-02 16:01 | 2025-09-04 16:34 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Service Provider List | Resolved-Received Additional Details for Services You Can Shop For Issued XXX. - Due Diligence Vendor-09/04/2025 <br> Ready for Review-Document Uploaded. - Seller-09/04/2025 <br> Open-Missing Written List of Service Providers with proof issued within 3 business days of application. Unable to complete regulatory compliance check and TRID monitoring. - Due Diligence Vendor-09/02/2025 | Ready for Review-Document Uploaded. - Seller-09/04/2025<br>| Resolved-Received Additional Details for Services You Can Shop For Issued XXX. - Due Diligence Vendor-09/04/2025 | Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50% |  | SSPL.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 34245460 | XXX | XXX C A | Closed | 50001026-Fees-Limited | 2025-07-10 10:53 | 2025-07-31 20:33 | Resolved | 1 - Information C A | Compliance | Mavent | Fees: Limited | Resolved-Applied Change in Circumstance to decrease in Lender Credits. - Due Diligence Vendor-08/01/2025 <br> Resolved- - Due Diligence Vendor-08/01/2025 <br> Resolved- - Due Diligence Vendor-08/01/2025 <br> Open- - Due Diligence Vendor-08/01/2025 <br> Open- - Due Diligence Vendor-08/01/2025 <br> Ready for Review-Document Uploaded. The decrease in lender credits was due to the loan amount change. It adjusted the cost for the fee buyout so it was the same cost, see attached lock confirmations before and after. - Seller-07/31/2025 <br> Counter-Received Closing Disclosure Issued XXX with Changed Circumstance Letter Dated XXX, however, the Changed Circumstance Letter does not reflect the decrease in Lender Credits. - Due Diligence Vendor-07/24/2025 <br> Ready for Review-Document Uploaded. in regards to the lender credit we applied a cure for the Appraisal fee increase for XXX and the notes are on the Final CD dated XXX (attached) - Seller-07/24/2025 <br> Open-Changed Circumstance Letter in file dated XXX is inaccurate/incomplete. Changed Circumstance Letter does not reflect the decrease in Lender Credits, resulting in the following Fail: A Lender Credit for Excess Charges of ($XXX), Principal Reduction for Excess Charges of ($XXX), and general or specific lender credit increases of ($XXX) were applied to the total fee variance of ($XXX) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-07/22/2025 <br> Open-A Lender Credit for Excess Charges of ($XXX), Principal Reduction for Excess Charges of ($XXX), and general or specific lender credit increases of ($XXX) were applied to the total fee variance of ($XXX) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-07/22/2025 <br> Open- - Due Diligence Vendor-07/22/2025 <br> Open-Changed Circumstance Letter in file dated XXX is inaccurate/incomplete. Changed Circumstance Letter does not reflect the decrease in Lender Credits, resulting in the following Fail: A Lender Credit for Excess Charges of ($XXX), Principal Reduction for Excess Charges of ($XXX), and general or specific lender credit increases of ($XXX) were applied to the<br> total fee variance of ($XXX) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee<br> variance amount, they are not sufficient to cure the variance.<br> - Due Diligence Vendor-07/10/2025 <br> Open- - Due Diligence Vendor-07/10/2025 <br> Open- - Due Diligence Vendor-07/10/2025 | Ready for Review-Document Uploaded. The decrease in lender credits was due to the loan amount change. It adjusted the cost for the fee buyout so it was the same cost, see attached lock confirmations before and after. - Seller-07/31/2025 <br> Ready for Review-Document Uploaded. in regards to the lender credit we applied a cure for the Appraisal fee increase for XXX and the notes are on the Final CD dated XXX (attached) - Seller-07/24/2025 | Resolved-Applied Change in Circumstance to decrease in Lender Credits. - Due Diligence Vendor-08/01/2025 <br>Resolved- - Due Diligence Vendor-08/01/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 660 <br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50% |  | XXX Final CD.pdf<br> XXX COC.pdf<br> Lock Confirmation XXX.pdf<br> Lock Confirmation XXX.pdf<br> Lock Confirmation XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 34245460 | XXX | XXX C A | Closed | 1000609-1001960 | 2025-07-10 10:53 | 2025-07-22 11:41 | Resolved | 1 - Information C A | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Received Initial Closing Disclosure Issued XXX. - Due Diligence Vendor-07/22/2025 <br> Resolved- - Due Diligence Vendor-07/22/2025 <br> Ready for Review-Document Uploaded. attached - Seller-07/22/2025 <br> Open-Missing Initial Closing Disclosure with proof of borrower's receipt at least 3 days prior to consummation. Closing Disclosure in file is dated XXX and consummation date is XXX. Unable to complete regulatory compliance check and TRID monitoring. - Due Diligence Vendor-07/10/2025 <br> Open- - Due Diligence Vendor-07/10/2025 <br> Open- - Due Diligence Vendor-07/10/2025 | Ready for Review-Document Uploaded. attached - Seller-07/22/2025<br>| Resolved-Received Initial Closing Disclosure Issued XXX. - Due Diligence Vendor-07/22/2025 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 660 <br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50% |  | XXX initial CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 33222443 | XXX | XXX B A | Closed | FCOM1329 | 2025-07-02 11:07 | 2025-07-08 08:35 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Anti-Steering Disclosure | Resolved-Received Anti-Steering Disclosure. - Due Diligence Vendor-07/08/2025 <br>Ready for Review-Document Uploaded. - Seller-07/07/2025 <br>Open-Loan Options Disclosure is missing from the file. Broker originated loan with compensation paid by the Lender. - Due Diligence Vendor-07/02/2025 | Ready for Review-Document Uploaded. - Seller-07/07/2025<br>| Resolved-Received Anti-Steering Disclosure. - Due Diligence Vendor-07/08/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50% |  | D22-XXX anti - steering - signed.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 35435860 | XXX | XXX D A C | Closed | FCRE1152 | 2025-08-14 16:00 | 2025-08-20 11:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received tax cert. - Due Diligence Vendor-08/20/2025 <br> Ready for Review-Document Uploaded. I have uploaded the tax certificate again. I was able to open the PDF. - Seller-08/20/2025 <br> Counter-Received lender tax cert. Unable to open with the following error message:<br> NoSuchKeyThe specified key does not exist.<br> 1130/upload/data/2025/08/19/97acd264-317f-44fc-98f0-2f9d1391171a/XXX tax certificate.pdfXHYTZ0DPK483SXM51us1iwbPk/tYHeIQE3PhRiJoymkXMupSqUg+12N1DTlq9+VautyUwNEsmFtC2iv2s8uOPCjjiuo=<br> - Due Diligence Vendor-08/19/2025 <br> Ready for Review-TAX cert - Seller-08/19/2025 <br> Counter-Received tax cert however, the image is corrupt - unable to open. - Due Diligence Vendor-08/19/2025 <br> Ready for Review-Uploaded tax certificate - Seller-08/19/2025 <br> Open-Missing Evidence of Property Tax - Due Diligence Vendor-08/14/2025 | Ready for Review-Document Uploaded. I have uploaded the tax certificate again. I was able to open the PDF. - Seller-08/20/2025 <br>Ready for Review-TAX cert - Seller-08/19/2025 <br>Ready for Review-Uploaded tax certificate - Seller-08/19/2025<br>| Resolved-Received tax cert. - Due Diligence Vendor-08/20/2025<br>| Qualifying DTI below max allowed. - XXX calculated DTI is XXX percent below the maximum DTI per guidelines of 700.<br> LTV is less than guideline maximum - XXX% CLTV is XXX%less than maximum CLTV per guidelines 80% |  | XXX CAD property search.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 35435860 | XXX | XXX D A C | Closed | FCRE1158 | 2025-08-14 15:53 | 2025-08-19 19:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Received HOI showing XXX Bank and it's assigns... - Due Diligence Vendor-08/19/2025 <br> Ready for Review-Document Uploaded. additional mortgagee listed separately - Seller-08/19/2025 <br> Open-Hazard Insurance Policy Partially Provided Second lien lender loss payee/mortgagee is missing from the final hazard policy. - Due Diligence Vendor-08/14/2025 | Ready for Review-Document Uploaded. additional mortgagee listed separately - Seller-08/19/2025<br>| Resolved-Received HOI showing XXX and it's assigns... - Due Diligence Vendor-08/19/2025 | Qualifying DTI below max allowed. - XXX calculated DTI is XXX percent below the maximum DTI per guidelines of 700.<br> LTV is less than guideline maximum - XXX% CLTV is XXX%less than maximum CLTV per guidelines 80% |  | XXX_XXX_hazard.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 35435860 | XXX | XXX D A C | Closed | FCOM1007 | 2025-08-15 10:58 | 2025-08-19 15:46 | Resolved | 1 - Information C A | Compliance | Disclosure | TX Owner's Affidavit Regarding Advance of Additional Funds is Missing | Resolved-Required language is incorporated into the Notice Concerning Extensions of Credit. - Due Diligence Vendor-08/19/2025 <br> Ready for Review-Document Uploaded. - Seller-08/19/2025 <br> Open-XXX Owner's Affidavit Regarding Advance of Additional Funds is Missing - Due Diligence Vendor-08/15/2025 | Ready for Review-Document Uploaded. - Seller-08/19/2025<br>| Resolved-Required language is incorporated into the Notice Concerning Extensions of Credit. - Due Diligence Vendor-08/19/2025<br>| Qualifying DTI below max allowed. - XXX calculated DTI is XXX percent below the maximum DTI per guidelines of 700.<br> LTV is less than guideline maximum - XXX% CLTV is XXX%less than maximum CLTV per guidelines 80% |  | XXX affidavit of compliance.pdf<br> XXX XXX disclosure.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 35435860 | XXX | XXX D A C | Closed | FCOM1005 | 2025-08-15 10:58 | 2025-08-19 08:59 | Resolved | 1 - Information C A | Compliance | Disclosure | TX Affidavit of Reasonable Costs on Homestead Property is missing | Resolved-Received Acknowledgment Regarding Fair Market Value of Homestead Property. - Due Diligence Vendor-08/19/2025 <br> Ready for Review-Document Uploaded. - Seller-08/19/2025 <br> Open-XXX Affidavit of Reasonable Costs on Homestead Property is missing - Due Diligence Vendor-08/15/2025 | Ready for Review-Document Uploaded. - Seller-08/19/2025<br>| Resolved-Received Acknowledgment Regarding Fair Market Value of Homestead Property. - Due Diligence Vendor-08/19/2025<br>| Qualifying DTI below max allowed. - XXX calculated DTI is XXX percent below the maximum DTI per guidelines of 700.<br> LTV is less than guideline maximum - XXX% CLTV is XXX%less than maximum CLTV per guidelines 80% |  | XXX_ XXX_ Acknowledgment regarding Fair Market Value of Homestead Property.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 37282519 | XXX | XXX D A C | Closed | FCRE2994 | 2025-08-14 11:06 | 2025-08-14 11:25 | Resolved | 1 - Information C A | Credit | Eligibility | DTI (Back) Ratio does not meet eligibility requirement(s) | Resolved-DTI (Back) Ratio meets eligibility requirement(s) - Due Diligence Vendor-08/14/2025 <br>Open-DTI (Back) Ratio does not meet eligibility requirement(s) - Due Diligence Vendor-08/14/2025 |  | Resolved-DTI (Back) Ratio meets eligibility requirement(s) - Due Diligence Vendor-08/14/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 37282519 | XXX | XXX D A C | Closed | FCRE1193 | 2025-08-11 16:49 | 2025-08-14 11:25 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of XXX% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-08/14/2025 <br> Resolved- - Due Diligence Vendor-08/14/2025 <br> Counter-Borrower obtained a new debt from XXX/XXX in the amount of $XXX with a payment of XXX the DTI still remains over 50%. (XXX%) - Due Diligence Vendor-08/14/2025 <br> Ready for Review-Document Uploaded. 1) Can we find out how they are arriving at a PITI of $XXX for the primary residence. Here is what we have documented<br> • P&I @ $XXX/mo for the 1st and $XXX/mo for the 2nd mortgage<br> • Insurance @ $XXX/mo<br> • Taxes at $XXX/mo<br> • TOTAL o all payments >>> $XXX/mo<br> 2) With regards to the credit debts. All adjustments to balances/payments were done prior to docs. The final 1003 matches the payments for all 4 accts. ALSO, XXX and XXX were paid through close. - Seller-08/13/2025 <br> Open-Audited DTI of XXX% exceeds guideline max of 50%. - Due Diligence Vendor-08/11/2025 | Ready for Review-Document Uploaded. 1) Can we find out how they are arriving at a PITI of $XXX for the primary residence. Here is what we have documented<br> • P&I @ $XXX/mo for the 1st and $XXX/mo for the 2nd mortgage<br> • Insurance @ $XXX/mo<br> • Taxes at $XXX/mo<br> • TOTAL o all payments >>> $XXX/mo<br>2) With regards to the credit debts. All adjustments to balances/payments were done prior to docs. The final 1003 matches the payments for all 4 accts. ALSO, XXX and XXX were paid through close.<br>- Seller-08/13/2025 | Resolved-Audited DTI of XXX% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-08/14/2025 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | Insurance for primary residence at XXX.pdf<br> XXXfor 2nd Mortgage.pdf<br> XXX for 1st Mortgage.pdf<br> Tax Information for Primary Residence.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 37282519 | XXX | XXX D A C | Closed | FCRE5782 | 2025-08-05 13:48 | 2025-08-14 11:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved- - Due Diligence Vendor-08/14/2025 <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-08/14/2025 <br> Resolved- - Due Diligence Vendor-08/14/2025 <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-08/14/2025 <br> Resolved-Received gap credit report reflecting no new debt or inquiries. - Due Diligence Vendor-08/11/2025 <br> Ready for Review-Document Uploaded. please see attached - Seller-08/11/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Missing Gap report which is required if Note date is greater than 30 days after the date of the original credit report of XXX. - Due Diligence Vendor-08/08/2025 | Ready for Review-Document Uploaded. please see attached - Seller-08/11/2025<br>| Resolved-Received gap credit report reflecting no new debt or inquiries. - Due Diligence Vendor-08/11/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | Soft Pull.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 37282519 | XXX | XXX D A C | Closed | FCOM3987 | 2025-08-05 14:48 | 2025-08-11 15:42 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing evidence required disclosure provided at closing | Resolved-Received XXX Anti-Predatory Lending Database Program Certificate of Exemption. - Due Diligence Vendor-08/11/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-08/11/2025 <br> Open-Anti-Predatory Lending Database Program Certificate of Compliance is missing from the file. - Due Diligence Vendor-08/05/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-08/11/2025<br>| Resolved-Received XXX Anti-Predatory Lending Database Program Certificate of Exemption. - Due Diligence Vendor-08/11/2025 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | cert of compl_ (002).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 37282519 | XXX | XXX D A C | Closed | FCRE7497 | 2025-08-08 20:41 | 2025-08-11 15:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received supporting documentation. - Due Diligence Vendor-08/11/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-08/11/2025 <br> Open-Missing Updated hazard insurance for XXX. One in file expired XXX and loan closed on XXXX. Subject to re-calculation of debt ratio upon receipt. - Due Diligence Vendor-08/09/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-08/11/2025<br>| Resolved-Received supporting documentation. - Due Diligence Vendor-08/11/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | XXXREO_HOI_XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 37282519 | XXX | XXX D A C | Closed | FVAL1310 | 2025-08-08 20:42 | 2025-08-11 14:56 | Resolved | 1 - Information D A | Property | Missing Doc | Missing HOA/Condo Certification | Resolved-Received supporting documentation reflecting no HOA Dues. - Due Diligence Vendor-08/11/2025 <br> Ready for Review-Document Uploaded. Please see attached appraisal for XXX, not a PUD and no HOA dues listed. Thank you. - Seller-08/11/2025 <br> Open-Missing HOA bill for XXX. Subject to re-calculation of debt ratio upon receipt. - Due Diligence Vendor-08/09/2025 | Ready for Review-Document Uploaded. Please see attached appraisal for XXX, not a PUD and no HOA dues listed. Thank you. - Seller-08/11/2025 | Resolved-Received supporting documentation reflecting no HOA Dues. - Due Diligence Vendor-08/11/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | appraisal-XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 37282519 | XXX | XXX D A C | Closed | FCRE1148 | 2025-08-05 12:21 | 2025-08-11 14:55 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received title supplement reflecting sufficient title coverage. - Due Diligence Vendor-08/11/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-08/11/2025 <br> Open-Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien(s) of $XXX The title coverage amount of $XXX is insufficient to cover the loan. A title supplement providing coverage of $XXX is missing. - Due Diligence Vendor-08/05/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-08/11/2025<br>| Resolved-Received title supplement reflecting sufficient title coverage. - Due Diligence Vendor-08/11/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | Supplement.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 37282519 | XXX | XXX D A C | Closed | 1000609-1001960 | 2025-08-05 14:22 | 2025-08-11 13:13 | Resolved | 1 - Information C A | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Received Initial Closing Disclosure Issued XXX - Due Diligence Vendor-08/11/2025 <br> Resolved- - Due Diligence Vendor-08/11/2025 <br> Ready for Review-Document Uploaded. See attached - - Seller-08/11/2025 <br> Open-Missing Initial Closing Disclosure. Unable to perform Regulatory Compliance review and TRID Monitoring. - Due Diligence Vendor-08/05/2025 <br> Open- - Due Diligence Vendor-08/05/2025 | Ready for Review-Document Uploaded. See attached - - Seller-08/11/2025<br>| Resolved-Received Initial Closing Disclosure Issued XXX - Due Diligence Vendor-08/11/2025 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | Pre-Closing - Signed.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 36102016 | XXX | XXX D A C | Closed | FCRE5782 | 2025-08-05 11:18 | 2025-08-14 11:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received gap credit report reflecting no new debt or inquiries. - Due Diligence Vendor-08/11/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-08/11/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Missing Gap report which is required if Note date is greater than 30 days after the date of the original credit report of XXX. - Due Diligence Vendor-08/08/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-08/11/2025<br>| Resolved-Received gap credit report reflecting no new debt or inquiries. - Due Diligence Vendor-08/11/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | Soft Pull.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 36102016 | XXX | XXX D A C | Closed | FCRE7497 | 2025-08-08 20:41 | 2025-08-11 15:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received supporting documentation. - Due Diligence Vendor-08/11/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-08/11/2025 <br> Open-Missing Updated hazard insurance for XXX. One in file expired XXX and loan closed on XXX. Subject to re-calculation of debt ratio upon receipt. - Due Diligence Vendor-08/09/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-08/11/2025<br>| Resolved-Received supporting documentation. - Due Diligence Vendor-08/11/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | XXXREO_HOI_XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 36102016 | XXX | XXX D A C | Closed | FVAL1310 | 2025-08-08 20:43 | 2025-08-11 13:08 | Resolved | 1 - Information D A | Property | Missing Doc | Missing HOA/Condo Certification | Resolved-Received supporting documentation property is not a PUD. - Due Diligence Vendor-08/11/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-08/11/2025 <br> Open-Missing HOA bill for XXX. Subject to re-calculation of debt ratio upon receipt. - Due Diligence Vendor-08/09/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-08/11/2025<br>| Resolved-Received supporting documentation property is not a PUD. - Due Diligence Vendor-08/11/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | XXX - XXX.pdf<br> appraisal-XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 36102016 | XXX | XXX D A C | Closed | 50001252-Fees-Limited | 2025-08-05 11:54 | 2025-08-11 12:48 | Resolved | 1 - Information C A | Compliance | Mavent | Fees: Limited | Resolved-Received Changed Circumstance Letter and Initial Closing Disclosure Issued XXX reflecting compensation flipped from Lender to Borrower paid. - Due Diligence Vendor-08/11/2025 <br> Resolved-Resolved - Due Diligence Vendor-08/11/2025 <br> Ready for Review-Document Uploaded. Please see attached COC and CD dated XXX missed at submission and not included - thank you - Seller-08/11/2025 <br> Open-Changed Circumstance Letter in file dated XXX is inaccurate/incomplete. Changed Circumstance Letter does not reflect the addition of the Broker Fee as disclosed on Initial Closing Disclosure IssuedXXX, resulting in the following Fail:The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Broker Fees.<br> 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<br> increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)).<br> - Due Diligence Vendor-08/05/2025 <br> Open- - Due Diligence Vendor-08/05/2025 | Ready for Review-Document Uploaded. Please see attached COC and CD dated XXX missed at submission and not included - thank you - Seller-08/11/2025 | Resolved-Received Changed Circumstance Letter and Initial Closing Disclosure Issued XXX reflecting compensation flipped from Lender to Borrower paid. - Due Diligence Vendor-08/11/2025 <br> Resolved-Resolved - Due Diligence Vendor-08/11/2025 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | COC CD XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 36102016 | XXX | XXX D A C | Closed | FCOM3987 | 2025-08-05 12:21 | 2025-08-11 12:33 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing evidence required disclosure provided at closing | Resolved-Received XXX Anti-Predatory Lending Database Program Certificate of Exemption. - Due Diligence Vendor-08/11/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-08/11/2025 <br> Open-Anti-Predatory Lending Database Program Certificate of Compliance is missing from the file. - Due Diligence Vendor-08/05/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-08/11/2025<br>| Resolved-Received XXX Anti-Predatory Lending Database Program Certificate of Exemption. - Due Diligence Vendor-08/11/2025 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | Cert of Compl_.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 36102016 | XXX | XXX D A C | Closed | FCRE1157 | 2025-08-05 10:08 | 2025-08-11 10:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Received HOI policy. - Due Diligence Vendor-08/11/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-08/11/2025 <br>Open-Missing Hazard Insurance Policy - Due Diligence Vendor-08/05/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-08/11/2025<br>| Resolved-Received HOI policy. - Due Diligence Vendor-08/11/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | XXX-EVIDENCE of INSURANCE for XXX property at XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 32161316 | XXX | XXX D A | Closed | FCRE7347 | 2025-06-20 11:13 | 2025-06-25 09:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Received lease agreement reflecting the property address. - Due Diligence Vendor-06/25/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-06/25/2025 <br> Open-Missing copy of subject property lease agreement(XXX). Copy provided does not reflect a property address. - Due Diligence Vendor-06/20/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-06/25/2025<br>| Resolved-Received lease agreement reflecting the property address. - Due Diligence Vendor-06/25/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | LEASE.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 31969180 | XXX | XXX D A | Closed | FCRE4104 | 2025-07-07 09:56 | 2025-07-18 10:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing explanation and supporting documentation for large deposit(s) | Resolved-Received XXX XXX statement reflecting withdrawal/transfer of $XXX on XXX. - Due Diligence Vendor-07/18/2025 <br> Ready for Review-Document Uploaded. XXX XXX documents - Seller-07/18/2025 <br> Open-Missing the XXX XXX statement to source the $XXX deposit into the XXX/XXX on XXX. - Due Diligence Vendor-07/07/2025 | Ready for Review-Document Uploaded. XXX XXX documents - Seller-07/18/2025 | Resolved-Received XXX XXX statement reflecting withdrawal/transfer of $XXX on XXX. - Due Diligence Vendor-07/18/2025 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90% |  | XXX XXX XXX Statement.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 32083852 | XXX | XXX D A | Closed | FCRE5782 | 2025-06-27 12:03 | 2025-07-03 11:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received gap credit report reflecting no new debt or inquiries. - Due Diligence Vendor-07/03/2025 <br> Ready for Review-Document Uploaded. - Seller-07/02/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Credit report dated XXX exceeds 30 days from Note date of XXX. Debt monitoring on XXX report shows not started, unable to consider. Gap report dated within 15 days of Note date required. - Due Diligence Vendor-06/27/2025 | Ready for Review-Document Uploaded. - Seller-07/02/2025<br>| Resolved-Received gap credit report reflecting no new debt or inquiries. - Due Diligence Vendor-07/03/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80% |  | SOFTPULL.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 37015624 | XXX | XXX D A | Closed | FCRE5782 | 2025-07-09 16:29 | 2025-08-04 12:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received gap credit report reflecting no new debt or inquiries. - Due Diligence Vendor-07/22/2025 <br>Ready for Review-Document Uploaded. - Seller-07/22/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Missing gap report for borrowers. - Due Diligence Vendor-07/11/2025 | Ready for Review-Document Uploaded. - Seller-07/22/2025<br>| Resolved-Received gap credit report reflecting no new debt or inquiries. - Due Diligence Vendor-07/22/2025<br>|  |  | SOFTPULL.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 37015624 | XXX | XXX D A | Closed | FCOM1263 | 2025-07-09 17:09 | 2025-07-23 12:37 | Resolved | 1 - Information D A | Compliance | Missing Doc | Right of Rescission is Partially Provided | Resolved-Received Notice of Right to Cancel for Co-Borrower XXX. - Due Diligence Vendor-07/23/2025 <br> Ready for Review-Document Uploaded. - Seller-07/23/2025 <br> Open-Right of Rescission is Partially Provided B2 (XXX)- Right to Cancel not provided. - Due Diligence Vendor-07/09/2025 | Ready for Review-Document Uploaded. - Seller-07/23/2025<br>| Resolved-Received Notice of Right to Cancel for Co-Borrower XXX. - Due Diligence Vendor-07/23/2025 |  |  | XXX - NORTC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 33051525 | XXX | XXX D A | Closed | FCOM1003 | 2025-07-09 12:15 | 2025-07-22 13:19 | Resolved | 1 - Information D A | Compliance | Missing Doc | Grant/Warranty Deed is missing | Resolved-Received signed and notarized Warranty Deed. - Due Diligence Vendor-07/22/2025 <br> Ready for Review-Document Uploaded. - Seller-07/22/2025 <br> Counter-Warranty Deed conveying Subject Property to Borrower XXX is in file, however, it's not signed or notarized. - Due Diligence Vendor-07/16/2025 <br> Ready for Review-the loan is a cash out refi, please specify which warranty deed you're referring to? - Seller-07/16/2025 <br> Open-Warranty deed is provided however it is not signed or Notarized. - Due Diligence Vendor-07/09/2025 | Ready for Review-Document Uploaded. - Seller-07/22/2025 <br>Ready for Review-the loan is a cash out refi, please specify which warranty deed you're referring to? - Seller-07/16/2025<br>| Resolved-Received signed and notarized Warranty Deed. - Due Diligence Vendor-07/22/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 75%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | EXE WD-336.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 32686324 | XXX | XXX D A C | Closed | 50001257-Fees-Limited | 2025-07-17 11:12 | 2025-08-05 10:13 | Resolved | 1 - Information C A | Compliance | Mavent | Fees: Limited | Resolved-Received e-mail explaining that Closing Disclosure reflecting $XXX Recording Fee was provided by Escrow, Closing Disclosure is a Estimate. - Due Diligence Vendor-08/05/2025 <br> Resolved-Resolved - Due Diligence Vendor-08/05/2025 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-08/05/2025 <br> Counter-Received Borrower's Final Settlement Statement, however, need Change of Circumstance reflecting increase in Recording Fees on Final Closing Disclosure Issued XXX or a Post Consummation Closing Disclosure that reflects Recording Fee within 10% category threshold. - Due Diligence Vendor-08/01/2025 <br> Ready for Review-Document Uploaded. - Seller-07/31/2025 <br> Open-On the Final Closing Disclosure Issued XXX Recording Fees increased without a valid Change of Circumstance, resulting in the following Fail: The total amount of the 10% category fees ($XXX) has increased by more than 10% over the current baseline value of ($XXX). The total amount of fees in the 10% category cannot exceed ($XXX). 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)).<br> - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 | Ready for Review-Document Uploaded. - Seller-07/31/2025<br>| Resolved-Received e-mail explaining that Closing Disclosure reflecting $XXX Recording Fee was provided by Escrow, Closing Disclosure is a Estimate. - Due Diligence Vendor-08/05/2025 <br> Resolved-Resolved - Due Diligence Vendor-08/05/2025 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | Final closing statement.pdf<br> 2015 Disclosure Tracking Summary.pdf<br> Final CD 7-8.pdf<br> docXXX.pdf<br> Redisclosure - Signed.pdf<br> Initial LE.pdf<br> Revised CD XXX.pdf<br> XXX email.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 32686324 | XXX | XXX D A C | Closed | FCRE5782 | 2025-07-17 10:09 | 2025-07-24 18:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received gap credit report reflecting no new debt or inquiries. - Due Diligence Vendor-07/24/2025 <br> Ready for Review-Document Uploaded. - Seller-07/24/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Missing gap report from the file. Credit report in loan file is dated XXX and exceeds 30 days from Note date of XXX. Missing gap report dated within 15 days of Note date. - Due Diligence Vendor-07/19/2025 | Ready for Review-Document Uploaded. - Seller-07/24/2025<br>| Resolved-Received gap credit report reflecting no new debt or inquiries. - Due Diligence Vendor-07/24/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | XXX softpull.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 39827520 | XXX | XXX D A | Closed | FCRE1676 | 2025-07-23 14:42 | 2025-08-13 09:45 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Credit General | Resolved-Received supporting documentation of correct payoff amount. - Due Diligence Vendor-08/13/2025 <br> Ready for Review-Document Uploaded. - Seller-08/12/2025 <br> Counter-Received updated payoff statement and wire confirmation. Missing updated Closing Disclosure reflecting correct payoff figures for XXX account#XXX. - Due Diligence Vendor-08/11/2025 <br> Ready for Review-Document Uploaded. - Seller-08/11/2025 <br> Open-Payoff reflected on closing disclosure dated XXX of $XXX. Demand dated XXX reflects payoff of $XXX calculated to XXX with per diem of $XXX. Total days between XXX and XXX = XXX days x XXX = $XXX. Payoff statement of $XXX less $XXX = $XXX. Payoff is short in the amount of $XXX. - Due Diligence Vendor-07/23/2025 | Ready for Review-Document Uploaded. - Seller-08/12/2025 <br>Ready for Review-Document Uploaded. - Seller-08/11/2025<br>| Resolved-Received supporting documentation of correct payoff amount. - Due Diligence Vendor-08/13/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | OutgoingWire_XXX_XXX.pdf<br> PAY XXX XXX.pdf<br> Final CD XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 39827520 | XXX | XXX D A | Closed | FCRE1254 | 2025-07-23 14:32 | 2025-07-28 14:07 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received confirmation of trust review/approval. - Due Diligence Vendor-07/28/2025 <br> Ready for Review-Document Uploaded. - Seller-07/28/2025 <br> Open-Property Title Issue Missing documentation to support title has reviewed and approved the XXX Family Trust as required by title item #9 and guidelines. - Due Diligence Vendor-07/23/2025 | Ready for Review-Document Uploaded. - Seller-07/28/2025<br>| Resolved-Received confirmation of trust review/approval. - Due Diligence Vendor-07/28/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | XXX email from title.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 39827520 | XXX | XXX D A | Closed | FCRE5791 | 2025-07-20 14:43 | 2025-07-24 16:58 | Resolved | 1 - Information D A | Credit | Closing | Borrower 2 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received gap credit report reflecting no new debt or inquiries. - Due Diligence Vendor-07/24/2025 <br>Ready for Review-Document Uploaded. - Seller-07/24/2025 <br>Open-Borrower 2 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-07/20/2025 | Ready for Review-Document Uploaded. - Seller-07/24/2025<br>| Resolved-Received gap credit report reflecting no new debt or inquiries. - Due Diligence Vendor-07/24/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 | Credit report dated XXX versus note date XXX. Missing copy of gap report dated within 15 days of Note date. | SOFTPULL 2 BWRS.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 39827520 | XXX | XXX D A | Closed | FCRE5790 | 2025-07-20 14:43 | 2025-07-24 16:58 | Resolved | 1 - Information D A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received gap credit report reflecting no new debt or inquiries. - Due Diligence Vendor-07/24/2025 <br> Ready for Review-Document Uploaded. - Seller-07/24/2025 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Credit report dated XXX versus note date XXX. Missing copy of gap report dated within 15 days of Note date. - Due Diligence Vendor-07/20/2025 | Ready for Review-Document Uploaded. - Seller-07/24/2025<br>| Resolved-Received gap credit report reflecting no new debt or inquiries. - Due Diligence Vendor-07/24/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | SOFTPULL 2 BWRS.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 30176550 | XXX | XXX D A | Closed | FCOM4227 | 2025-07-24 10:15 | 2025-08-04 18:20 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Received Initial Closing Disclosure Issued XXX. - Due Diligence Vendor-08/04/2025 <br> Ready for Review-Document Uploaded. - Seller-08/04/2025 <br> Open-Missing Initial Closing Disclosure. Unable to perform Regulatory Compliance review and TRID Monitoring. - Due Diligence Vendor-07/24/2025 | Ready for Review-Document Uploaded. - Seller-08/04/2025<br>| Resolved-Received Initial Closing Disclosure Issued XXX. - Due Diligence Vendor-08/04/2025 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50% |  | Initial CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 39196196 | XXX | XXX D A | Closed | FCRE5783 | 2025-07-10 14:50 | 2025-07-16 16:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Received gap report reflecting no new debt or inquiries. - Due Diligence Vendor-07/16/2025 <br>Ready for Review-Document Uploaded. - Seller-07/16/2025 <br>Open-Borrower 2 Gap Credit Report is Missing Missing GAP Credit Report dated within 15 days of note date per guidelines. - Due Diligence Vendor-07/10/2025 | Ready for Review-Document Uploaded. - Seller-07/16/2025<br>| Resolved-Received gap report reflecting no new debt or inquiries. - Due Diligence Vendor-07/16/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | report.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 39196196 | XXX | XXX D A | Closed | FCRE5782 | 2025-07-10 14:50 | 2025-07-16 16:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received gap report reflecting no new debt or inquiries. - Due Diligence Vendor-07/16/2025 <br>Ready for Review-Document Uploaded. - Seller-07/16/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Missing GAP Credit Report dated within 15 days of note date per guidelines. - Due Diligence Vendor-07/10/2025 | Ready for Review-Document Uploaded. - Seller-07/16/2025<br>| Resolved-Received gap report reflecting no new debt or inquiries. - Due Diligence Vendor-07/16/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | report.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 33343329 | XXX | XXX C A | Closed | FCRE4805 | 2025-07-11 10:23 | 2025-07-23 13:36 | Resolved | 1 - Information C A | Credit | Eligibility | Trust/POA Does Not Meet Guideline Requirements | Resolved-Received evidence trust certification was reviewed and approved by the title company. - Due Diligence Vendor-07/23/2025 <br>Ready for Review-Document Uploaded. - Seller-07/23/2025 <br>Open-Trust/POA Does Not Meet Guideline Requirements As per guideline Provide copy of Trust Agreement or Trust Certificate (where allowed by law) reviewed and approved by Title company. - Due Diligence Vendor-07/14/2025 | Ready for Review-Document Uploaded. - Seller-07/23/2025<br>| Resolved-Received evidence trust certification was reviewed and approved by the title company. - Due Diligence Vendor-07/23/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | XXX EMAIL FROM TITLE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 33621462 | XXX | XXX D A | Closed | FCRE5782 | 2025-08-01 10:22 | 2025-08-08 14:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received gap credit report reflecting no new debt or inquiries. - Due Diligence Vendor-08/08/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-08/08/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Missing GAP Credit Report dated within 15 days of note date per guidelines. - Due Diligence Vendor-08/05/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-08/08/2025<br>| Resolved-Received gap credit report reflecting no new debt or inquiries. - Due Diligence Vendor-08/08/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum LTV per guidelines 80% |  | Soft Pull.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 37747843 | XXX | XXX D A | Closed | FCRE1201 | 2025-07-20 02:14 | 2025-07-28 10:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received fraud report reflecting no high alert items. - Due Diligence Vendor-07/28/2025 <br>Ready for Review-Document Uploaded. - Seller-07/28/2025 <br>Counter-Received fraud report, however insufficient to clear condition as high alerts have not been cleared. - Due Diligence Vendor-07/22/2025 <br>Ready for Review-Document Uploaded. - Seller-07/22/2025 <br>Open-Missing Third Party Fraud Report Additional conditions may apply upon receipt. - Due Diligence Vendor-07/22/2025 | Ready for Review-Document Uploaded. - Seller-07/28/2025 <br>Ready for Review-Document Uploaded. - Seller-07/22/2025<br>| Resolved-Received fraud report reflecting no high alert items. - Due Diligence Vendor-07/28/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> DSCR ratio greater than guideline requirement - Calculated DSCR XXX, minimum DSCR per guidelines is 1. |  | XXX Fraud.pdf<br> XXX FA XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 37747843 | XXX | XXX D A | Closed | FCRE1648 | 2025-07-17 11:07 | 2025-07-23 16:23 | Resolved | 1 - Information C A | Credit | Eligibility | Missing copy of senior lien Note or Mortgage statement to determine senior lien eligibility | Resolved-Received first lien mortgage statement. - Due Diligence Vendor-07/23/2025 <br>Ready for Review-Document Uploaded. - Seller-07/23/2025 <br>Open-Missing copy of senior lien Note or Mortgage statement to determine senior lien eligibility 1st lien Mortgage statement provided is in another language other than English. Missing Note or mortgage statement for senior lien. - Due Diligence Vendor-07/17/2025 | Ready for Review-Document Uploaded. - Seller-07/23/2025<br>| Resolved-Received first lien mortgage statement. - Due Diligence Vendor-07/23/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> DSCR ratio greater than guideline requirement - Calculated DSCR XXX, minimum DSCR per guidelines is 1. |  | XXX Statement.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 35039704 | XXX | XXX D A | Closed | FCRE1254 | 2025-07-01 17:48 | 2025-07-08 13:44 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received final title policy reflecting removal of Item #13. - Due Diligence Vendor-07/08/2025 <br> Ready for Review-Document Uploaded. - Seller-07/08/2025 <br> Counter-Received judgement affidavit from the borrower, however insufficient to clear condition. Missing supporting documentation from the title company title item #13 will be removed from the final title policy., - Due Diligence Vendor-07/07/2025 <br> Ready for Review-Document Uploaded. - Seller-07/07/2025 <br> Open-Property Title Issue missing documentation to support title item #13 has been satisfied/paid. Title reflects 5 open owing judgments (XXX parking violation, XXX environmental control board violations). - Due Diligence Vendor-07/01/2025 | Ready for Review-Document Uploaded. - Seller-07/08/2025 <br>Ready for Review-Document Uploaded. - Seller-07/07/2025<br>| Resolved-Received final title policy reflecting removal of Item #13. - Due Diligence Vendor-07/08/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum LTV per guidelines 80% |  | affid.pdf<br>NO JUDGEMENT POLICY.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 35039704 | XXX | XXX D A | Closed | FCOM8805 | 2025-06-30 13:28 | 2025-07-07 13:57 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Borrower Authorization | Resolved-Received borrower authorization. - Due Diligence Vendor-07/07/2025 <br> Ready for Review-Document Uploaded. - Seller-07/07/2025 <br> Open-Credit report dated XXX pulled by XXX is dated prior to the borrower's authorization dated XXX. Missing documentation to support borrower's authorization to pull credit pulled on XXX - Due Diligence Vendor-06/30/2025 | Ready for Review-Document Uploaded. - Seller-07/07/2025<br>| Resolved-Received borrower authorization. - Due Diligence Vendor-07/07/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum LTV per guidelines 80% |  | Borrower's Certification & Authorization.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 35039704 | XXX | XXX D A | Closed | FCRE1201 | 2025-06-30 12:16 | 2025-07-07 11:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received cleared fraud report with explanation for clearance of high alert items. - Due Diligence Vendor-07/07/2025 <br>Ready for Review-Document Uploaded. - Seller-07/07/2025 <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-06/30/2025 | Ready for Review-Document Uploaded. - Seller-07/07/2025<br>| Resolved-Received cleared fraud report with explanation for clearance of high alert items. - Due Diligence Vendor-07/07/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum LTV per guidelines 80% |  | fraud.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 37105882 | XXX | XXX D A C | Closed | 50001251-Fees-Limited | 2025-08-18 18:35 | 2025-08-19 20:31 | Resolved | 1 - Information C A | Compliance | Mavent | Fees: Limited | Resolved-Received Closing Disclosure and Changed Circumstance Letter Dated XXX that reflect addition of Appraisal Reinspection Fee. - Due Diligence Vendor-08/20/2025 <br> Resolved-Resolved - Due Diligence Vendor-08/20/2025 <br> Ready for Review-Document Uploaded. - Seller-08/19/2025 <br> Open-Changed Circumstance Letter in file dated XXX is inaccurate/incomplete. Changed Circumstance Letter does not reflect the addition of "Appraisal Re-Inspection Fee" as disclosed on the Revised Closing Disclosure Issued XXX. Change of Circumstance forms must reflect addition/increase in fees and decreases in Lender Credits. - Due Diligence Vendor-08/18/2025 <br> Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: 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. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). Changed Circumstance Letter in file dated XXX is inaccurate/incomplete. Changed Circumstance Letter does not reflect the addition of "Appraisal Re-Inspection Fee" as disclosed on the Revised Closing Disclosure Issued XXX. Change of Circumstance forms must reflect addition/increase in fees and decreases in Lender Credits. - Due Diligence Vendor-08/18/2025 <br> Open- - Due Diligence Vendor-08/18/2025 <br> Open- - Due Diligence Vendor-08/18/2025 | Ready for Review-Document Uploaded. - Seller-08/19/2025<br>| Resolved-Received Closing Disclosure and Changed Circumstance Letter Dated XXX that reflect addition of Appraisal Reinspection Fee. - Due Diligence Vendor-08/20/2025 <br> Resolved-Resolved - Due Diligence Vendor-08/20/2025 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90% |  | CD XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | 37105882 | XXX | XXX D A C | Closed | FCRE5782 | 2025-08-14 10:46 | 2025-08-19 11:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Gap report received. No new tradelines. - Due Diligence Vendor-08/19/2025 <br> Ready for Review-Document Uploaded. - Seller-08/18/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Credit report dated XXX exceeds 30 days from Note date of XXX. Missing Gap report dated within 15 days of Note date for both borrowers - Due Diligence Vendor-08/14/2025 | Ready for Review-Document Uploaded. - Seller-08/18/2025<br>| Resolved-Gap report received. No new tradelines. - Due Diligence Vendor-08/19/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90% |  | XXX UPDATED SOFT XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | 37105882 | XXX | XXX D A C | Closed | FCRE4963 | 2025-08-18 11:46 | 2025-08-19 11:12 | Resolved | 1 - Information C A | Credit | Debt | No evidence of required debt payoff | Resolved-Gap credit report received and support payoff items reflected on final CD. - Due Diligence Vendor-08/19/2025 <br> Open-Missing documentation to support the consumer debt payoff items were paid in full. Credit report dated XXX reflects higher balances for the majority of the accounts reflected on the escrow instructions and Closing Disclosure dated XXX. Unable to determine if accounts fully paid off. Subject to re-calculation of debt ratio upon receipt. - Due Diligence Vendor-08/18/2025 |  | Resolved-Gap credit report received and support payoff items reflected on final CD. - Due Diligence Vendor-08/19/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | 37105882 | XXX | XXX D A C | Closed | 1000609-1001960 | 2025-08-14 11:23 | 2025-08-18 18:45 | Resolved | 1 - Information C A | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Received Initial Closing Disclosure Issued XXX. - Due Diligence Vendor-08/18/2025 <br> Resolved- - Due Diligence Vendor-08/18/2025 <br> Resolved- - Due Diligence Vendor-08/18/2025 <br> Ready for Review-Document Uploaded. - Seller-08/18/2025 <br> Open-Missing Initial Closing Disclosure. Unable to complete regulatory compliance check and TRID Monitoring. - Due Diligence Vendor-08/14/2025 <br> Open- - Due Diligence Vendor-08/14/2025 | Ready for Review-Document Uploaded. - Seller-08/18/2025<br>| Resolved-Received Initial Closing Disclosure Issued XXX. - Due Diligence Vendor-08/18/2025 <br> Resolved- - Due Diligence Vendor-08/18/2025 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90% |  | Initial XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | 34066579 | XXX | XXX D A | Closed | FCRE1166 | 2025-07-09 15:37 | 2025-07-10 17:24 | Resolved | 1 - Information A | Credit | Insurance | Hazard Insurance Coverage is less than all Subject Lien(s) | Resolved-Received RCE reflecting sufficient coverage. - Due Diligence Vendor-07/10/2025 <br> Ready for Review- - Due Diligence Vendor-07/10/2025 <br> Ready for Review-Document Uploaded. - Seller-07/10/2025 <br> Open-Hazard Insurance Coverage Amount of $XXX is less than Total Amount of Subject Lien(s) of $XXX Missing Replacement cost estimator or policy with an increased dwelling coverage to cover all liens and or Master HOA policy. Policy must include the name of the HOA. Subject to additional conditions upon receipt - Due Diligence Vendor-07/09/2025 | Ready for Review-Document Uploaded. - Seller-07/10/2025<br>| Resolved-Received RCE reflecting sufficient coverage. - Due Diligence Vendor-07/10/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90%.<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%. |  | XXX ln - erc.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 34066579 | XXX | XXX D A | Closed | FCRE1320 | 2025-07-09 17:01 | 2025-07-10 16:30 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Personal Tax Returns Less Than 24 Months Provided | Resolved- - Due Diligence Vendor-07/10/2025 <br> Ready for Review-Document Uploaded. - Seller-07/09/2025 <br> Open-Borrower 1 Personal Tax Returns Less Than 24 Months Provided Self-employment income from XXX LLC used to quality. Missing most recent tax years tax return supporting self-employment income. Additional conditions may apply upon receipt. Subject to income re-calculation upon receipt. - Due Diligence Vendor-07/09/2025 | Ready for Review-Document Uploaded. - Seller-07/09/2025<br>|  | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90%.<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%. |  | 2024 Form 4868.pdf<br> 2023 Federal Tax Return - XXX FINAL - Signed.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 34066579 | XXX | XXX D A | Closed | FCRE7497 | 2025-07-09 15:26 | 2025-07-10 16:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Ready for Review-the second page has XXX. - Seller-07/10/2025 <br> Counter-Received mortgage statement reflecting account is escrowed for XXX, however HOA statement provided is for incorrect property address. Still missing HOA statement (if applicable) for XXX. - Due Diligence Vendor-07/10/2025 <br> Ready for Review-Document Uploaded. - Seller-07/09/2025 <br> Open-Missing all PITIA for the borrowers' rental/investment property located XXX. Subject to additional conditions upon receipt - Due Diligence Vendor-07/09/2025 | Ready for Review-the second page has XXX. - Seller-07/10/2025 <br> Ready for Review-Document Uploaded. - Seller-07/09/2025 |  | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90%.<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%. |  | e-Statement (Current).pdf<br> XXX (XXX) Stmt XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 34066579 | XXX | XXX D A | Closed | FCRE1201 | 2025-07-08 11:12 | 2025-07-10 14:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received supporting documentation used to address high alert items. - Due Diligence Vendor-07/10/2025 <br> Ready for Review-Document Uploaded. Employment - Paystubs and W2 support the same income for the last 2 years. <br> Employer - XXX, Inc is very much an open business - See attached business license. <br> Employment Issues - Borrower 2/3 businesses but only has income from XXX - XXX is closed - Business License attached. <br> Value - Appraisal supports value<br> NFPD Alert - See attached sam.gov clearance<br> - Seller-07/10/2025 <br> Counter-Received Cleared fraud report, however missing supporting documentation used to address high alerts or explanation for clearance. - Due Diligence Vendor-07/10/2025 <br> Ready for Review-Document Uploaded. - Seller-07/09/2025 <br> Open-Missing Third Party Fraud Report Subject to additional conditions upon receipt - Due Diligence Vendor-07/09/2025 | Ready for Review-Document Uploaded. Employment - Paystubs and W2 support the same income for the last 2 years. <br> Employer - XXX, Inc is very much an open business - See attached business license. <br> Employment Issues - Borrower 2/3 businesses but only has income from XXX - XXX is closed - Business License attached. <br> Value - Appraisal supports value<br> NFPD Alert - See attached sam.gov clearance<br> - Seller-07/10/2025 <br> Ready for Review-Document Uploaded. - Seller-07/09/2025 | Resolved-Received supporting documentation used to address high alert items. - Due Diligence Vendor-07/10/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90%.<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%. |  | XXX XXX.pdf<br> No Matches NFPD.pdf<br> ECONOMIC FOUNDATION Closed.pdf<br> Property Zoom.pdf<br> XXX INC Business License.pdf<br> XXX Finance Business License.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 34066579 | XXX | XXX D A | Closed | FCRE1316 | 2025-07-08 11:02 | 2025-07-10 09:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received VVOE within 10 days of closing. - Due Diligence Vendor-07/10/2025 <br>Ready for Review-Document Uploaded. - Seller-07/09/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing prior to close third-party verification of employment. - Due Diligence Vendor-07/08/2025 | Ready for Review-Document Uploaded. - Seller-07/09/2025<br>| Resolved-Received VVOE within 10 days of closing. - Due Diligence Vendor-07/10/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90%.<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%. |  | Final VOE XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 34159448 | XXX | XXX D B A C | Closed | 50001251-Fees-Limited | 2025-07-03 17:49 | 2025-07-14 12:59 | Cured | 2 - Non-Material C B | Compliance | Mavent | Fees: Limited | Cured- - Due Diligence Vendor-07/14/2025 <br> Cured-Received Post Consummation Closing Disclosure Issued XXX with Reimbursement of $XXX, as well as Letter of Explanation to Borrower, proof of Reimbursement check, and proof of delivery. - Due Diligence Vendor-07/09/2025 <br> Resolved- - Due Diligence Vendor-07/09/2025 <br> Ready for Review-Document Uploaded. - Seller-07/09/2025 <br> Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). On the Final Closing Disclosure in file Issued 06/25/2025 the Appraisal Fee increased without a valid Change of Circumstance, resulting in the following Fail:The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)).<br> - Due Diligence Vendor-07/03/2025 <br> Open- - Due Diligence Vendor-07/03/2025 | Ready for Review-Document Uploaded. - Seller-07/09/2025<br>| Cured- - Due Diligence Vendor-07/14/2025 <br> Cured-Received Post Consummation Closing Disclosure Issued XXX with Reimbursement of $XXX, as well as Letter of Explanation to Borrower, proof of Reimbursement check, and proof of delivery. - Due Diligence Vendor-07/09/2025 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700.<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%. |  | PCCD, LOE, XXX, Check .pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 34159448 | XXX | XXX D B A C | Closed | FCRE1161 | 2025-07-03 12:54 | 2025-07-11 18:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Received Life of Loan Flood Certificate - Due Diligence Vendor-07/11/2025 <br>Open-Missing Flood Certificate - Due Diligence Vendor-07/11/2025 <br>Resolved-Received Life of Loan Flood Certificate - Due Diligence Vendor-07/09/2025 <br>Ready for Review-Document Uploaded. - Seller-07/09/2025 <br>Open-Missing Flood Certificate - Due Diligence Vendor-07/03/2025 | Ready for Review-Document Uploaded. - Seller-07/09/2025<br>| Resolved-Received Life of Loan Flood Certificate - Due Diligence Vendor-07/11/2025 <br>Resolved-Received Life of Loan Flood Certificate - Due Diligence Vendor-07/09/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700.<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%. |  | Flood Report.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 34159448 | XXX | XXX D B A C | Closed | FCRE1180 | 2025-07-07 22:41 | 2025-07-11 18:51 | Resolved | 1 - Information D A | Credit | Missing Doc | HO-6 Insurance Policy is Missing | Resolved-received HO3 policy. Subject detached condo - no master policy - Due Diligence Vendor-07/11/2025 <br>Open-HO-6 Insurance Policy is Missing - Due Diligence Vendor-07/11/2025 <br>Resolved-Received HO6 policy. - Due Diligence Vendor-07/10/2025 <br>Ready for Review-Document Uploaded. - Seller-07/10/2025 <br>Open-HO-6 Insurance Policy is Missing Missing copy of subject property's hazard policy. The policy must contain Loan number, Loss mortgagee, policy premium, rent loss coverage sufficient cover. Subject to additional conditions upon receipt. - Due Diligence Vendor-07/08/2025 | Ready for Review-Document Uploaded. - Seller-07/10/2025<br>| Resolved-received HO3 policy. Subject detached condo - no master policy - Due Diligence Vendor-07/11/2025 <br>Resolved-Received HO6 policy. - Due Diligence Vendor-07/10/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700.<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%. |  | DEC PAGE - XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 34159448 | XXX | XXX D B A C | Closed | FCRE1173 | 2025-07-07 22:41 | 2025-07-11 18:50 | Resolved | 1 - Information D A | Credit | Missing Doc | HO6 or Master Insurance Policy is Missing | Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-07/11/2025 <br>Resolved-Received HO3 policy. Subject is a detached condo. No master policy - HO3 sufficient. - Due Diligence Vendor-07/11/2025 <br>Ready for Review-The condition states HO6 or Master Policy? - Seller-07/10/2025 <br>Counter-Received HO6 policy. Still missing Master Insurance policy reflecting loan number, mortgagee, and name of HOA. Subject to additional conditions upon receipt. - Due Diligence Vendor-07/10/2025 <br>Ready for Review-Document Uploaded. - Seller-07/10/2025 <br>Open-Missing HO-6 Master Insurance Policy Policy must include loan number, mortgagee, and name of HOA. Subject to additional conditions upon receipt. - Due Diligence Vendor-07/08/2025 | Ready for Review-The condition states HO6 or Master Policy? - Seller-07/10/2025 <br>Ready for Review-Document Uploaded. - Seller-07/10/2025<br>| Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-07/11/2025 <br>Resolved-Received HO3 policy. Subject is a detached condo. No master policy - HO3 sufficient. - Due Diligence Vendor-07/11/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700.<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%. |  | DEC PAGE - XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 34159448 | XXX | XXX D B A C | Closed | FCRE1317 | 2025-07-07 12:31 | 2025-07-10 09:52 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Total Years Employment Verified is Less Than 24 Months | Resolved-Received VVOE reflecting 2-year employment history. - Due Diligence Vendor-07/10/2025 <br> Ready for Review-Document Uploaded. - Seller-07/09/2025 <br> Counter-Received VOE, however does not confirm borrowers start date. - Due Diligence Vendor-07/09/2025 <br> Ready for Review-Document Uploaded. - Seller-07/09/2025 <br> Counter-Lender commentary received, however insufficient to clear condition. Missing VOE to confirm employment dates. - Due Diligence Vendor-07/09/2025 <br> Ready for Review-Borrower has been employed with XXX for 15 years - Seller-07/09/2025 <br> Open-Borrower 1 Total Years Employment Verified is Less Than 24 Months Missing VVOE from the loan file. - Due Diligence Vendor-07/07/2025 | Ready for Review-Document Uploaded. - Seller-07/09/2025 <br> Ready for Review-Document Uploaded. - Seller-07/09/2025 <br> Ready for Review-Borrower has been employed with XXX for XXX years - Seller-07/09/2025 | Resolved-Received VVOE reflecting 2-year employment history. - Due Diligence Vendor-07/10/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700.<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%. |  | Final VOE XXX.pdf<br> Final VOE XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 34159448 | XXX | XXX D B A C | Closed | FSER1201 | 2025-07-07 23:05 | 2025-07-09 14:46 | Resolved | 1 - Information A | Servicing | Additional Information | Loan Approval is missing | Resolved-Received 1008. - Due Diligence Vendor-07/09/2025 <br>Ready for Review-Document Uploaded. - Seller-07/09/2025 <br>Open-Missing Final Loan approval/1008. - Due Diligence Vendor-07/08/2025 | Ready for Review-Document Uploaded. - Seller-07/09/2025<br>| Resolved-Received 1008. - Due Diligence Vendor-07/09/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700.<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%. |  | Final Approval XXX.pdf<br> Final 1008 XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 34159448 | XXX | XXX D B A C | Closed | FCRE1316 | 2025-07-07 12:31 | 2025-07-09 14:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received VOE within 10 days of closing. - Due Diligence Vendor-07/09/2025 <br>Ready for Review-Document Uploaded. - Seller-07/09/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-07/07/2025 | Ready for Review-Document Uploaded. - Seller-07/09/2025<br>| Resolved-Received VOE within 10 days of closing. - Due Diligence Vendor-07/09/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700.<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%. |  | Final VOE XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 37988768 | XXX | XXX D A | Closed | FCRE9163 | 2025-07-21 15:24 | 2025-07-22 11:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Updated Credit Report Supplement | Resolved-Received updated mortgage rating for Mortgage with XXX #XXX. - Due Diligence Vendor-07/22/2025 <br> Ready for Review-Document Uploaded. - Seller-07/22/2025 <br> Open-Missing updated Mortgage Rating for Mortgage with XXX #XXX. Per guidelines, mortgage most be current and no more than 45 days have elapsed since the last paid installment date. Per the Credit report, last payment date is XXX. - Due Diligence Vendor-07/21/2025 | Ready for Review-Document Uploaded. - Seller-07/22/2025<br>| Resolved-Received updated mortgage rating for Mortgage with XXX #XXX. - Due Diligence Vendor-07/22/2025 | LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90%<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50% |  | Soft pull.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 37988768 | XXX | XXX D A | Closed | FCRE5782 | 2025-07-16 14:27 | 2025-07-22 11:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received gap credit report reflecting no new debt or inquiries. - Due Diligence Vendor-07/22/2025 <br>Ready for Review-Document Uploaded. - Seller-07/22/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Missing GAP Credit Report dated within 15 days of Note Date per guidelines. Subject to recalculation of DTI. - Due Diligence Vendor-07/21/2025 | Ready for Review-Document Uploaded. - Seller-07/22/2025<br>| Resolved-Received gap credit report reflecting no new debt or inquiries. - Due Diligence Vendor-07/22/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90%<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50% |  | Soft pull.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 31950536 | XXX | XXX C A B | Closed | FCRE1168 | 2025-07-21 13:37 | 2025-07-24 17:18 | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s) and Replacement Cost Value Provided | Resolved-Received supporting evidence of sufficient HOI coverage. - Due Diligence Vendor-07/24/2025 <br> Ready for Review-Document Uploaded. - Seller-07/24/2025 <br> Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage Amount of $XXX is less than all Subject Lien(s) and/or Replacement Cost Estimator is provided but Hazard Insurance Coverage Amount is less than Replacement Cost Value of $ Coverage is sufficient - Due Diligence Vendor-07/21/2025 | Ready for Review-Document Uploaded. - Seller-07/24/2025<br>| Resolved-Received supporting evidence of sufficient HOI coverage. - Due Diligence Vendor-07/24/2025<br>|  |  | HOI XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 31950536 | XXX | XXX C A B | Closed | FCOM1329 | 2025-07-16 17:16 | 2025-07-22 11:54 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Anti-Steering Disclosure | Resolved-Received Anti-Steering Disclosure. - Due Diligence Vendor-07/22/2025 <br>Ready for Review-Document Uploaded. - Seller-07/22/2025 <br>Open- - Due Diligence Vendor-07/16/2025 | Ready for Review-Document Uploaded. - Seller-07/22/2025<br>| Resolved-Received Anti-Steering Disclosure. - Due Diligence Vendor-07/22/2025<br>|  |  | D22-ASD-XXX (Signed).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 30204680 | XXX | XXX D A | Closed | FCRE1316 | 2025-07-28 16:04 | 2025-08-05 12:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received third party VOE. - Due Diligence Vendor-08/05/2025 <br>Ready for Review-Document Uploaded. - Seller-08/04/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing 3rd party verification of employment from the file - Due Diligence Vendor-07/28/2025 | Ready for Review-Document Uploaded. - Seller-08/04/2025<br>| Resolved-Received third party VOE. - Due Diligence Vendor-08/05/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%.<br> LTV is less than guideline maximum - XXX%CLTV is XXX% less than maximum CLTV per guidelines 85% | Missing verification of CPA. | XXX VOE docs.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 38541606 | XXX | XXX D B C A | Closed | FCRE1193 | 2025-08-07 16:04 | 2025-09-04 07:52 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of XXX% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-09/04/2025 <br> Resolved-Received documentation to support XXX paid in full. DTI recalculated. - Due Diligence Vendor-09/03/2025 <br> Ready for Review-Document Uploaded. Attached is the updated 1008 1003, updated mortgage statement and credit supplement to show XXX is -0- balance. DTI is XXX - Seller-09/02/2025 <br> Counter-Lender LOX received. Missing updated mortgage statement to support adjusted escrows. - Due Diligence Vendor-08/26/2025 <br> Ready for Review-Document Uploaded. DTI rebuttal<br> - Seller-08/26/2025 <br> Counter-Lender LOX received, however insufficient to clear condition. Lender used source documents to calculate PITI and not the amount of PITI as reflected on the mortgage statement and credit report. DTI remains as XXX%. - Due Diligence Vendor-08/20/2025 <br> Ready for Review-Document Uploaded. Rebuttal and evidence of payments - Seller-08/19/2025 <br> Counter-Received supporting documentation of XXX, XXX and XXX accounts being paid to $0 balance prior to closing. With exclusion of these debts, DTI is still over guideline maximum at XXX%. - Due Diligence Vendor-08/14/2025 <br> Ready for Review-Audited DTI of XXX% exceeds Guideline DTI of 50% - Due Diligence Vendor-08/14/2025 <br> Ready for Review-Document Uploaded. Attached is the debt payoffs - Seller-08/13/2025 <br> Open-Audited DTI of XXX% exceeds Guideline DTI of 50% Due to information provided on GAP Report dated XXX, audited payments increased. It appears lender did not include increased/new liabilities in DTI calculations. - Due Diligence Vendor-08/07/2025 | Ready for Review-Document Uploaded. Attached is the updated 1008 1003, updated mortgage statement and credit supplement to show XXX is -0- balance. DTI is XXX - Seller-09/02/2025 <br> Ready for Review-Document Uploaded. DTI rebuttal<br> - Seller-08/26/2025 <br> Ready for Review-Document Uploaded. Rebuttal and evidence of payments - Seller-08/19/2025 <br> Ready for Review-Document Uploaded. Attached is the debt payoffs - Seller-08/13/2025 | Resolved-Audited DTI of XXX% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-09/04/2025 <br> Resolved-Received documentation to support XXX paid in full. DTI recalculated. - Due Diligence Vendor-09/03/2025 | LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90% |  | XXX debt payoff.pdf<br> XXX discover.pdf<br> XXX final paying off XXX.pdf<br> XXX rebuttal for DTI.pdf<br> XXX XXX -0- balance.pdf<br> XXX DTI rebuttal.pdf<br> XXX updated mortgage statement.pdf<br> XXX sup.pdf<br> XXX 1008 1003.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | 38541606 | XXX | XXX D B C A | Closed | FCRE8611 | 2025-08-12 11:02 | 2025-09-02 20:52 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income/Employment General | Waived-Received exception approval for NSF occurrences. - Due Diligence Vendor-09/03/2025 <br> Ready for Review-Document Uploaded. Attached is the updated 1008 1003, updated mortgage statement and credit supplement to show XXX is -0- balance. DTI is XXX - Seller-09/02/2025 <br> Counter-Lender LOX received. Missing updated mortgage statement to support adjusted escrows. - Due Diligence Vendor-08/26/2025 <br> Ready for Review-Document Uploaded. DTI Rebuttal - Seller-08/26/2025 <br> Counter-Investor exception approval received, however unable to waive until DTI issue has been resolved. - Due Diligence Vendor-08/20/2025 <br> Ready for Review-Document Uploaded. DTI Exception by XXX - Seller-08/20/2025 <br> Counter-Received lender exception form, however missing investor exception approval. - Due Diligence Vendor-08/14/2025 <br> Ready for Review-Document Uploaded. exception - Seller-08/13/2025 <br> Open-Missing supporting documentation from lender regarding the NSF's listed on Bank Statements used to qualify. Per guidelines, excessive NSFs on bank statements may cause loan to be ineligible. Submitted bank statements reflect numerous NSF returned checks. In addition, a letter of explanation is in the file from the borrower, however, no documentation submitted the lender addressed the guidelines. An exception is required. - Due Diligence Vendor-08/12/2025 | Ready for Review-Document Uploaded. Attached is the updated 1008 1003, updated mortgage statement and credit supplement to show XXX is -0- balance. DTI is XXX - Seller-09/02/2025 <br> Ready for Review-Document Uploaded. DTI Rebuttal - Seller-08/26/2025 <br> Ready for Review-Document Uploaded. DTI Exception by XXX - Seller-08/20/2025 <br> Ready for Review-Document Uploaded. exception - Seller-08/13/2025 | Waived-Received exception approval for NSF occurrences. - Due Diligence Vendor-09/03/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90% | credit history; CLTV < 50% | XXX exception.pdf<br> XXX DTI exception.pdf<br> XXX DTI rebuttal.pdf<br> XXX updated mortgage statement.pdf<br> XXX sup.pdf<br> XXX 1008 1003.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | Originator Post-Close | Yes |
| XXX | 38541606 | XXX | XXX D B C A | Closed | FCOM1221 | 2025-08-07 13:37 | 2025-08-13 17:54 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-Received Deed of Trust inclusive of Exhibit A Legal Description. - Due Diligence Vendor-08/13/2025 <br>Ready for Review-Document Uploaded. - Seller-08/13/2025 <br>Counter-Deed of Trust uploaded is for another Loan. - Due Diligence Vendor-08/13/2025 <br>Ready for Review-Document Uploaded. - Seller-08/13/2025 <br>Open-The Deed of Trust is Incomplete The Deed of Trust is missing the legal description attached as Exhibit A. Deed of Trust in file dated 07/30/2025 reflects "SEE LEGAL DESCRIPTION ATTACHED HERETO AND MADE A PART HEREOF AS "EXHIBIT A"." on Page 2, however, Exhibit A is missing. Need full copy of Deed of Trust inclusive of Exhibit A Legal Description and any Riders. - Due Diligence Vendor-08/07/2025 | Ready for Review-Document Uploaded. - Seller-08/13/2025 <br>Ready for Review-Document Uploaded. - Seller-08/13/2025<br>| Resolved-Received Deed of Trust inclusive of Exhibit A Legal Description. - Due Diligence Vendor-08/13/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90% |  | XXX RMTG.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | 33932834 | XXX | XXX D A | Closed | FCOM8805 | 2025-07-23 12:49 | 2025-07-30 09:24 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Borrower Authorization | Resolved-Received borrower authorization. - Due Diligence Vendor-07/30/2025 <br> Ready for Review-Document Uploaded. - Seller-07/30/2025 <br> Open-Credit report dated XXX for B2 and XXX B1 and B3 pulled by XXX is dated prior to the borrower's authorization dated XXX. Missing documentation to support borrower's authorization to pull credit pulled on XXX for B2 and XXX B1 and B3. - Due Diligence Vendor-07/23/2025 | Ready for Review-Document Uploaded. - Seller-07/30/2025<br>| Resolved-Received borrower authorization. - Due Diligence Vendor-07/30/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | B2 Auth.pdf<br>B1 B3 Auth.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 33932834 | XXX | XXX D A | Closed | FCRE7347 | 2025-07-28 10:41 | 2025-07-29 16:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Received supporting documentation. - Due Diligence Vendor-07/29/2025 <br> Ready for Review-Document Uploaded. - Seller-07/29/2025 <br> Open-Missing lease extensions or evidence leases are now a month to month lease for XXX (lease in file shows lease expired XXX) & XXX (lease in file shows lease expired XXX) - Due Diligence Vendor-07/28/2025 | Ready for Review-Document Uploaded. - Seller-07/29/2025<br>| Resolved-Received supporting documentation. - Due Diligence Vendor-07/29/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | 2. Extension of Lease agreement.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 37558912 | XXX | XXX D A B | Closed | FCRE1157 | 2025-08-07 20:10 | 2025-08-11 11:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Received HOI policy. - Due Diligence Vendor-08/11/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-08/11/2025 <br>Open-Missing Hazard Insurance Policy Policy provided was not signed by and authorized agent and reflects not valid unless signed by and authorized agent. Missing valid hazard policy. - Due Diligence Vendor-08/08/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-08/11/2025<br>| Resolved-Received HOI policy. - Due Diligence Vendor-08/11/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | Signed_HOI exp XXX $XXX-PIF.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 37558912 | XXX | XXX D A B | Closed | FCRE5782 | 2025-08-05 10:51 | 2025-08-11 10:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received gap credit report reflecting no new debt or inquiries. - Due Diligence Vendor-08/11/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-08/11/2025 <br>Counter-Nothing attached to condition. Original condition remains. - Due Diligence Vendor-08/08/2025 <br>Ready for Review-Please see attached - Seller-08/08/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Missing borrower gap report from the file - Due Diligence Vendor-08/05/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-08/11/2025 <br>Ready for Review-Please see attached - Seller-08/08/2025<br>| Resolved-Received gap credit report reflecting no new debt or inquiries. - Due Diligence Vendor-08/11/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | Soft Pull.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 37558912 | XXX | XXX D A B | Closed | FCOM1329 | 2025-08-05 11:33 | 2025-08-08 15:06 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Anti-Steering Disclosure | Resolved-Received Anti-Steering Loan Options Disclosure. - Due Diligence Vendor-08/08/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-08/08/2025 <br>Open-Loan Options Disclosure is missing from the file. - Due Diligence Vendor-08/05/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-08/08/2025<br>| Resolved-Received Anti-Steering Loan Options Disclosure. - Due Diligence Vendor-08/08/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | D22-XXX anti steering.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 33280512 | XXX | XXX D A C | Closed | FCRE1649 | 2025-07-23 15:51 | 2025-07-24 12:03 | Resolved | 1 - Information C A | Credit | Eligibility | Missing HELOC Agreement Addendum | Resolved-Received executed Close Out Letter. - Due Diligence Vendor-07/24/2025 <br>Ready for Review-Document Uploaded. - Seller-07/24/2025 <br>Counter-Received HELOC freeze letter, however the freeze is temporary as it reflects the Stop will be removed. Still missing executed copy of the HELOC closure or documentation to support it will be reconveyed/released and not appear as a lien on final policy. - Due Diligence Vendor-07/24/2025 <br>Ready for Review-Document Uploaded. - Seller-07/23/2025 <br>Open-HELOC Agreement Addendum to be provided to verify guideline eligibility Missing executed copy of the HELOC closure or documentation to support it will be reconveyed/released and not appear as a lien on final policy. - Due Diligence Vendor-07/23/2025 | Ready for Review-Document Uploaded. - Seller-07/24/2025 <br>Ready for Review-Document Uploaded. - Seller-07/23/2025<br>| Resolved-Received executed Close Out Letter. - Due Diligence Vendor-07/24/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700. |  | Freeze letter.pdf<br>Authorization to Close.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 33280512 | XXX | XXX D A C | Closed | FCOM1003 | 2025-07-21 13:09 | 2025-07-23 16:31 | Resolved | 1 - Information D A | Compliance | Missing Doc | Grant/Warranty Deed is missing | Resolved-Received Deed to confirm Vesting on Mortgage document in file. - Due Diligence Vendor-07/23/2025 <br>Ready for Review-Document Uploaded. - Seller-07/23/2025 <br>Open-Missing Grant/Warranty Deed to confirm Vesting on Deed of Trust/Mortgage document in file. - Due Diligence Vendor-07/21/2025 | Ready for Review-Document Uploaded. - Seller-07/23/2025<br>| Resolved-Received Deed to confirm Vesting on Mortgage document in file. - Due Diligence Vendor-07/23/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700. |  | Warranty Deed.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 38070873 | XXX | XXX D A | Closed | FCOM1003 | 2025-08-01 11:42 | 2025-08-08 16:20 | Resolved | 1 - Information D A | Compliance | Missing Doc | Grant/Warranty Deed is missing | Resolved-Received fully executed and notarized Grant Deed. - Due Diligence Vendor-08/08/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-08/08/2025 <br>Open-Grant Deed is in file, however, is not signed or notarized. - Due Diligence Vendor-08/01/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-08/08/2025<br>| Resolved-Received fully executed and notarized Grant Deed. - Due Diligence Vendor-08/08/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | Deed (XXX-XXX).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 38070873 | XXX | XXX D A | Closed | FCRE1201 | 2025-08-01 15:59 | 2025-08-08 16:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received fraud report. File includes supporting documentation to address high alert. - Due Diligence Vendor-08/08/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-08/08/2025 <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-08/01/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-08/08/2025<br>| Resolved-Received fraud report. File includes supporting documentation to address high alert. - Due Diligence Vendor-08/08/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | XXXReport.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 38070873 | XXX | XXX D A | Closed | FCOM1329 | 2025-08-01 11:29 | 2025-08-08 14:32 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Anti-Steering Disclosure | Resolved-Received Anti-Steering Disclosure. - Due Diligence Vendor-08/08/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-08/08/2025 <br>Open-Loan option Disclosure is missing from the file. - Due Diligence Vendor-08/01/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-08/08/2025<br>| Resolved-Received Anti-Steering Disclosure. - Due Diligence Vendor-08/08/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | D22-Anti-Steering ECERT.pdf<br>D22-Anti-Steering (executed).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 36352363 | XXX | XXX D A C | Closed | 1000876-1002568 | 2025-08-12 16:26 | 2025-08-25 12:33 | Resolved | 1 - Information C A | Compliance | Rescission:Variance | Massachusetts - Right of Rescission Disclosure Variance (10/2015) | Resolved-Based on the Consummation Date of XXX, Rescission ends on XXX. - Due Diligence Vendor-08/25/2025 <br> Counter-The loan disbursement date (XXX) is the same day as the CALCULATED "Right to Cancel Expire Date" (XXX). Need Post Consummation Closing Disclosure with explanation letter to Borrower and proof of method of delivery reflecting accurate Interest From and Disbursement dates. - Due Diligence Vendor-08/18/2025 <br> Open- - Due Diligence Vendor-08/18/2025 <br> Ready for Review-Document Uploaded. - Seller-08/18/2025 <br> Open-The disclosed "Right to Cancel Expire Date" (XXX) is earlier than the system calculated "Right to Cancel Expire Date" (XXX). Under the XXX Truth in Lending Act, funds may not be disbursed to the borrower until the expiration of the rescission period, which is midnight of the third business day following consummation, delivery of the notice required by 209 CMR 32.23(2), or delivery of all material disclosures, whichever occurs last. (M.G.L. c. 140D, 10(a); 209 CMR 32.23; 12 CFR 1026.2(a)(6); 1026.23) N/A - Due Diligence Vendor-08/12/2025 <br> Open- - Due Diligence Vendor-08/12/2025 | Ready for Review-Document Uploaded. - Seller-08/18/2025<br>| Resolved-Based on the Consummation Date of XXX, Rescission ends on XXX. - Due Diligence Vendor-08/25/2025 | Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80% |  | XXX_001.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 36352363 | XXX | XXX D A C | Closed | 1000877-1002571 | 2025-08-11 13:12 | 2025-08-25 12:31 | Resolved | 1 - Information C A | Compliance | Rescission:Disbursement | Massachusetts - Right of Rescission (Loan Disbursement)(10/2015) | Resolved-Based on the Consummation Date of XXX, Rescission ends on XXX. - Due Diligence Vendor-08/25/2025 <br> Counter-The loan disbursement date (XXX) is the same day as the CALCULATED "Right to Cancel Expire Date" (XXX). Need Post Consummation Closing Disclosure with explanation letter to Borrower and proof of method of delivery reflecting accurate Interest From and Disbursement dates. - Due Diligence Vendor-08/18/2025 <br> Open- - Due Diligence Vendor-08/18/2025 <br> Ready for Review-Document Uploaded. - Seller-08/18/2025 <br> Open- - Due Diligence Vendor-08/12/2025 <br> Open- - Due Diligence Vendor-08/12/2025 <br> Open-The loan disbursement date (XXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXX). Under XXX Truth in Lending Act, funds may not be disbursed to the borrower until after the expiration of the rescission period, which is midnight of the third business day following consummation, delivery of the notice required by 209 CMR 32.23(2), or delivery of all material disclosures, whichever occurs last. (M.G.L. c. 140D, 10(a); 209 CMR 32.23; 12 CFR 1026.2(a)(6); 1026.23) - Due Diligence Vendor-08/11/2025 <br> Open- - Due Diligence Vendor-08/11/2025 <br> Open- - Due Diligence Vendor-08/11/2025 <br> Open- - Due Diligence Vendor-08/11/2025 <br> Open- - Due Diligence Vendor-08/11/2025 <br> Open- - Due Diligence Vendor-08/11/2025 | Ready for Review-Document Uploaded. - Seller-08/18/2025<br>| Resolved-Based on the Consummation Date of XXX, Rescission ends on XXX. - Due Diligence Vendor-08/25/2025 | Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80% |  | XXX_001.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 36352363 | XXX | XXX D A C | Closed | FCRE5783 | 2025-08-11 12:15 | 2025-08-15 14:34 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Received gap credit report reflecting no new debt or inquiries. - Due Diligence Vendor-08/15/2025 <br> Ready for Review-Document Uploaded. - Seller-08/15/2025 <br> Open-Borrower 2 Gap Credit Report is Missing Missing updated credit report. Most recent date on credit report in file is XXX. The Note date is XXX which is beyond 30 days. Gap report dated within 15 days of Note date required. - Due Diligence Vendor-08/12/2025 | Ready for Review-Document Uploaded. - Seller-08/15/2025<br>| Resolved-Received gap credit report reflecting no new debt or inquiries. - Due Diligence Vendor-08/15/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80% |  | Soft Pull.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 36352363 | XXX | XXX D A C | Closed | FCRE5782 | 2025-08-11 12:15 | 2025-08-15 14:34 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received gap credit report reflecting no new debt or inquiries. - Due Diligence Vendor-08/15/2025 <br> Ready for Review-Document Uploaded. - Seller-08/15/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Missing updated credit report. Most recent date on credit report in file is XXX. The Note date is XXX which is beyond 30 days. Gap report dated within 15 days of Note date required. - Due Diligence Vendor-08/12/2025 | Ready for Review-Document Uploaded. - Seller-08/15/2025<br>| Resolved-Received gap credit report reflecting no new debt or inquiries. - Due Diligence Vendor-08/15/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80% |  | Soft Pull.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 38205478 | XXX | XXX C A | Closed | FCRE4805 | 2025-07-23 14:49 | 2025-08-04 13:33 | Resolved | 1 - Information C A | Credit | Eligibility | Trust/POA Does Not Meet Guideline Requirements | Resolved-Received confirmation of title company approval of trust cert. - Due Diligence Vendor-08/04/2025 <br>Ready for Review-Document Uploaded. - Seller-08/04/2025 <br>Open-Trust/POA Does Not Meet Guideline Requirements Missing evidence that the Trust Agreement or Trust Certificate was reviewed and approved by Title company, as per guideline. - Due Diligence Vendor-07/24/2025 | Ready for Review-Document Uploaded. - Seller-08/04/2025<br>| Resolved-Received confirmation of title company approval of trust cert. - Due Diligence Vendor-08/04/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50% |  | XXX email from title.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 33277875 | XXX | XXX D A | Closed | FCOM8805 | 2025-07-30 15:59 | 2025-08-06 15:16 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Borrower Authorization | Resolved-Received borrower authorization. - Due Diligence Vendor-08/06/2025 <br> Ready for Review-Document Uploaded. electronic authorization attached - Seller-08/06/2025 <br> Counter-Received duplicate Borrower Authorization already included in loan file which is dated after the date of the credit pull. Still missing documentation to support borrower's authorization to pull credit pulled on 06/11/2025. - Due Diligence Vendor-08/04/2025 <br> Ready for Review-Document Uploaded. - Seller-08/02/2025 <br> Open-Credit report dated XXX pulled by XXX is dated prior to the borrower's authorization dated XXX. Missing documentation to support borrower's authorization to pull credit pulled on XXX - Due Diligence Vendor-07/30/2025 | Ready for Review-Document Uploaded. electronic authorization attached - Seller-08/06/2025 <br>Ready for Review-Document Uploaded. - Seller-08/02/2025<br>| Resolved-Received borrower authorization. - Due Diligence Vendor-08/06/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 660<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50% |  | Credit Authorization Document.pdf<br>Certification and Authorization Document.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 33277875 | XXX | XXX D A | Closed | FCRE1148 | 2025-07-29 16:05 | 2025-08-04 15:45 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received final title policy reflecting sufficient title coverage. - Due Diligence Vendor-08/04/2025 <br> Ready for Review-Document Uploaded. final title policy - Seller-08/04/2025 <br> Open-Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien(s) of $XXX Title Coverage Amount of $XXX not cover loan amount $XXX - Due Diligence Vendor-07/30/2025 | Ready for Review-Document Uploaded. final title policy - Seller-08/04/2025<br>| Resolved-Received final title policy reflecting sufficient title coverage. - Due Diligence Vendor-08/04/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 660<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50% |  | XXX_tpol.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 33277875 | XXX | XXX D A | Closed | FCRE1201 | 2025-07-30 15:00 | 2025-08-04 13:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received fraud report reflecting no high alerts. - Due Diligence Vendor-08/04/2025 <br>Ready for Review-Document Uploaded. fraud report - Seller-08/04/2025 <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-07/30/2025 | Ready for Review-Document Uploaded. fraud report - Seller-08/04/2025<br>| Resolved-Received fraud report reflecting no high alerts. - Due Diligence Vendor-08/04/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 660<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50% |  | Fraud.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 35510683 | XXX | XXX D A C | Closed | FCRE7497 | 2025-08-01 15:39 | 2025-08-13 09:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received supporting documentation for additional properties. - Due Diligence Vendor-08/13/2025 <br> Ready for Review-Please note that XXX does not have HOA fees on Schedule E. Sch E line 19 Stmt # 1 refers to the XXX property (see last page of tax return for statements). As for the XXX HOA, please note that it was uploaded on XXX under the heading XXX XXX HOA - Seller-08/12/2025 <br> Counter-Provided documents reviewed DTI updated. Still missing HOA for the following properties: 1. XXX and 2. XXX Schedule E reflects both properties have HOA dues paid. - Due Diligence Vendor-08/12/2025 <br> Ready for Review-Document Uploaded. - Seller-08/09/2025 <br> Open-Missing verification of insurance, and/or any HOA fees for non-subject properties: 1. XXX (Missing HOI and HOA as reflected on the current Sch. E); 2. XXX (Missing HOA as reflected on the current Sch. E) and 3. XXX (Missing all PITIA property reflected on personal Schedule E). Subject to re-calculation of DTI upon receipt. - Due Diligence Vendor-08/01/2025 | Ready for Review-Please note that XXX does not have HOA fees on Schedule E. Sch E line 19 Stmt # 1 refers to the XXX property (see last page of tax return for statements). As for the XXX HOA, please note that it was uploaded on XXX under the heading XXX XXX HOA - Seller-08/12/2025 <br> Ready for Review-Document Uploaded. - Seller-08/09/2025 | Resolved-Received supporting documentation for additional properties. - Due Diligence Vendor-08/13/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%. |  | XXX Insurance.pdf<br> XXX XXX HOA.pdf<br> XXX Free&Clear & Insurance.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 35510683 | XXX | XXX D A C | Closed | FCRE1167 | 2025-08-05 15:35 | 2025-08-07 10:34 | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s)and Replacement Cost Estimator by Insurer was not Provided | Resolved-Received current HOI policy. - Due Diligence Vendor-08/07/2025 <br> Ready for Review-Document Uploaded. - Seller-08/06/2025 <br> Counter-Received RCE reflecting sufficient coverage, however HOI policy provided is future dated (XXX-XXX) and does not reflect a policy number. - Due Diligence Vendor-08/06/2025 <br> Ready for Review-Document Uploaded. - Seller-08/06/2025 <br> Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage of $XXX is less than all Subject Lien(s), and Guaranteed Replacement Coverage is provided but Replacement Cost Estimator by Insurer was not Provided Missing an active hazard insurance policy, reflecting the policy number and providing sufficient coverage for the total combined liens of $XXX. The submitted policy is effective XXX, missing the policy number and the coverage of $XXX combining dwelling and extended 50% dwelling coverage is insufficient. - Due Diligence Vendor-08/05/2025 | Ready for Review-Document Uploaded. - Seller-08/06/2025 <br>Ready for Review-Document Uploaded. - Seller-08/06/2025<br>| Resolved-Received current HOI policy. - Due Diligence Vendor-08/07/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%. |  | XXX RCE.pdf<br> XXX current EOI.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 35510683 | XXX | XXX D A C | Closed | FCOM8807 | 2025-07-31 21:22 | 2025-08-06 14:56 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Appraisal Acknowledgement | Resolved-Received Certified Secure Electronic Delivery of Appraisal/Valuation Report. - Due Diligence Vendor-08/06/2025 <br>Ready for Review-Document Uploaded. - Seller-08/06/2025 <br>Open-Missing proof that Borrower was delivered copy of Appraisal. - Due Diligence Vendor-08/01/2025 | Ready for Review-Document Uploaded. - Seller-08/06/2025<br>| Resolved-Received Certified Secure Electronic Delivery of Appraisal/Valuation Report. - Due Diligence Vendor-08/06/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%. |  | XXX XXXCert-XXX-XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 35510683 | XXX | XXX D A C | Closed | FCOM8805 | 2025-08-01 15:09 | 2025-08-06 14:32 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Borrower Authorization | Resolved-Received Borrower Authorization. - Due Diligence Vendor-08/06/2025 <br> Ready for Review-Document Uploaded. - Seller-08/06/2025 <br> Open-Credit report dated XXX pulled by XXX is dated prior to the borrower's authorization dated XXX. Missing documentation to support borrower's authorization to pull credit pulled on XXX. - Due Diligence Vendor-08/01/2025 | Ready for Review-Document Uploaded. - Seller-08/06/2025<br>| Resolved-Received Borrower Authorization. - Due Diligence Vendor-08/06/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%. |  | XXX XXX Authorization.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 35510683 | XXX | XXX D A C | Closed | FVAL9739 | 2025-08-01 15:43 | 2025-08-06 14:17 | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-Received supporting documentation of AIR Compliance. - Due Diligence Vendor-08/06/2025 <br> Ready for Review-Document Uploaded. - Seller-08/06/2025 <br> Open-Missing documentation to support appraisal order meets AIR compliance. Appraisal completed for XXX Services reflects "No AMC" and payment was made directly to appraiser. - Due Diligence Vendor-08/01/2025 | Ready for Review-Document Uploaded. - Seller-08/06/2025<br>| Resolved-Received supporting documentation of AIR Compliance. - Due Diligence Vendor-08/06/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%. |  | AIR Policy.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 35510683 | XXX | XXX D A C | Closed | FCRE1321 | 2025-08-05 18:51 | 2025-08-06 14:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing attorney opinion letter/trust review documentation | Resolved-Received confirmation of trust approval. - Due Diligence Vendor-08/06/2025 <br>Ready for Review-Document Uploaded. - Seller-08/06/2025 <br>Open-Missing evidence the Trust cert has been approved by title company as required by guidelines. - Due Diligence Vendor-08/05/2025 | Ready for Review-Document Uploaded. - Seller-08/06/2025<br>| Resolved-Received confirmation of trust approval. - Due Diligence Vendor-08/06/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%. |  | Trust Cert.pdf<br> XXX Title Response.pdf<br> XXX XXX Loan Policy.pdf<br> REC-Document 2 - DEED OF TRUST - 2025-XXX.pdf<br> REC-Document 1 - DEED - 2025-XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 35593287 | XXX | XXX D A | Closed | FCRE1146 | 2025-08-05 15:43 | 2025-08-15 10:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Partially Present | Resolved-Document Uploaded. APN/Legal Description matches from title, appraisal and DOT. CPL includes property address. - Due Diligence Vendor-08/15/2025 <br>Open-Title Document is incomplete or only partially present Property address is not provided on the title report. - Due Diligence Vendor-08/05/2025 |  | Resolved-Document Uploaded. APN/Legal Description matches from title, appraisal and DOT. CPL includes property address. - Due Diligence Vendor-08/15/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% LTV is XXX% less than maximum LTV per guidelines 90%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | XXX_XXX Email.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 35593287 | XXX | XXX D A | Closed | FCOM1221 | 2025-08-05 18:38 | 2025-08-13 17:52 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-Received Mortgage inclusive of Legal Description. - Due Diligence Vendor-08/13/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-08/13/2025 <br> Open-The Deed of Trust is Incomplete The Mortgage is missing the legal description attached as Exhibit A. Mortgage in file dated XXX reflects "SEE LEGAL DESCRIPTION ATTACHED HERETO AND MADE A PART HEREOF AS "EXHIBIT A"." on Page 2, however, Exhibit A is missing. Need full copy of Mortgage inclusive of Exhibit A Legal Description and any Riders. - Due Diligence Vendor-08/05/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-08/13/2025<br>| Resolved-Received Mortgage inclusive of Legal Description. - Due Diligence Vendor-08/13/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% LTV is XXX% less than maximum LTV per guidelines 90%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | DOT EX A.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 35593287 | XXX | XXX D A | Closed | FCOM3075 | 2025-08-05 16:30 | 2025-08-12 11:21 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing US Patriot Act Information Form | Resolved-Received fully executed USA Patriot Act Information Form. - Due Diligence Vendor-08/12/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-08/12/2025 <br>Open-Missing Signed USA Patriot Act Information Form with Customer Identification Verification USA Patriot Act Disclosure is in file, however, it is incomplete. - Due Diligence Vendor-08/05/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-08/12/2025<br>| Resolved-Received fully executed USA Patriot Act Information Form. - Due Diligence Vendor-08/12/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% LTV is XXX% less than maximum LTV per guidelines 90%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | PATRIOT XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 35593287 | XXX | XXX D A | Closed | 5000880-AbilityToRepay-QMPointsAndFees | 2025-08-08 16:13 | 2025-08-08 16:16 | Resolved | 1 - Information C A | Compliance | Mavent | AbilityToRepay: QMPointsAndFees | Resolved-QM Violation is Valid in XXX, however, Loan is Non-QM. - Due Diligence Vendor-08/08/2025 <br> Open-The loan fees ($XXX) exceed the (QM) (Note Amount >=$XXX) fee limit, which is 3% of the Total Loan Amount ($XXX), the difference is ($XXX). (12 CFR 1026.43(e)(3). - Due Diligence Vendor-08/08/2025 <br> Open- - Due Diligence Vendor-08/08/2025 |  | Resolved-QM Violation is Valid in XXX, however, Loan is Non-QM. - Due Diligence Vendor-08/08/2025 | Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% LTV is XXX% less than maximum LTV per guidelines 90%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 35593287 | XXX | XXX D A | Closed | FCOM4227 | 2025-08-05 16:49 | 2025-08-08 16:15 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Received Initial Closing Disclosure Issued XXX. - Due Diligence Vendor-08/08/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-08/08/2025 <br> Open-Missing Initial Closing Disclosure. Unable to complete regulatory compliance check and TRID Monitoring. - Due Diligence Vendor-08/05/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-08/08/2025<br>| Resolved-Received Initial Closing Disclosure Issued XXX. - Due Diligence Vendor-08/08/2025 | Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% LTV is XXX% less than maximum LTV per guidelines 90%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | Initial CD and COC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 32968700 | XXX | XXX D B A C | Closed | FCRE1186 | 2025-08-04 13:10 | 2025-08-05 13:16 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds AUS DTI | Resolved-Audited DTI of XXX% is less than or equal to AUS DTI of % - Due Diligence Vendor-08/05/2025 <br> Resolved-Received revised 1008 reflecting updated DTI calculation. - Due Diligence Vendor-08/05/2025 <br> Ready for Review-Document Uploaded. - Seller-08/04/2025 <br> Open-Discrepancy noted in DTI calculations: Lender reported XXX%, while QC audit reflects XXX%. The variance stems from an incorrect rental income calculation—rather than applying 75% of the lease income and subtracting the mortgage payment, the lender deducted the mortgage payment from the full lease amount, resulting in an overstated income figure.<br> - Due Diligence Vendor-08/04/2025 | Ready for Review-Document Uploaded. - Seller-08/04/2025<br>| Resolved-Audited DTI of XXX% is less than or equal to AUS DTI of % - Due Diligence Vendor-08/05/2025 <br> Resolved-Received revised 1008 reflecting updated DTI calculation. - Due Diligence Vendor-08/05/2025 | LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum LTV per guidelines 80%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50% |  | 1008 - Transmittal Summary.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 32968700 | XXX | XXX D B A C | Closed | FCRE7347 | 2025-08-04 13:05 | 2025-08-05 13:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Received original lease for XXX. - Due Diligence Vendor-08/05/2025 <br> Ready for Review-Document Uploaded. see lease that was missing - Seller-08/05/2025 <br> Counter-Received original lease agreements for properties located at: XXX, XXX & XXX Still missing original lease agreement for XXX. - Due Diligence Vendor-08/05/2025 <br> Ready for Review-Document Uploaded. - Seller-08/04/2025 <br> Open-Missing full lease agreements for the following properties...XXX, XXX, XXX, XXX & XXX. The borrower submitted lease extensions but did not provide the original lease agreements executed at inception. - Due Diligence Vendor-08/04/2025 | Ready for Review-Document Uploaded. see lease that was missing - Seller-08/05/2025 <br>Ready for Review-Document Uploaded. - Seller-08/04/2025<br>| Resolved-Received original lease for XXX- Due Diligence Vendor-08/05/2025 | LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum LTV per guidelines 80%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50% |  | XXX lease.pdf<br> XXX lease.pdf<br> XXX lease.pdf<br> XXX lease.pdf<br> XXX LEASE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 32968700 | XXX | XXX D B A C | Closed | FVAL9739 | 2025-08-04 13:02 | 2025-08-04 15:22 | Waived | 2 - Non-Material C B | Property | Appraisal | Property/Appraisal General | Waived-Upon additional review, Client elects to waive with Comp Factors. - Due Diligence Vendor-08/04/2025 <br> Ready for Review-Document Uploaded. See attached exception. incenture did preclosing uw on this loan - Seller-08/04/2025 <br> Open-Missing full appraisal due to AVM confidence factor score being XXX% and lender guidelines require 90% confidence factor score. - Due Diligence Vendor-08/04/2025 | Ready for Review-Document Uploaded. See attached exception. XXX did preclosing uw on this loan - Seller-08/04/2025 | Waived-Upon additional review, Client elects to waive with Comp Factors. - Due Diligence Vendor-08/04/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum LTV per guidelines 80%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50% | 1) XXX FICO is greater than 720 minimum<br> 2) XXX% DTI is less than 50% maximum<br> 3) XXX% LTV is less than 80% maximum | XXX - Exception.pdf<br> XXX email exception.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes |
| XXX | 32968700 | XXX | XXX D B A C | Closed | FCRE5782 | 2025-08-04 12:17 | 2025-08-04 15:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received gap credit report reflecting no new debt or inquiries. - Due Diligence Vendor-08/04/2025 <br> Ready for Review-Document Uploaded. credit refresh - Seller-08/04/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Missing Gap report which is required if Note date is greater than 30 days after the date of the original credit report of XXX. - Due Diligence Vendor-08/04/2025 | Ready for Review-Document Uploaded. credit refresh - Seller-08/04/2025<br>| Resolved-Received gap credit report reflecting no new debt or inquiries. - Due Diligence Vendor-08/04/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum LTV per guidelines 80%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50% |  | Credit Report refresh.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 37635950 | XXX | XXX D A | Closed | FCOM1003 | 2025-08-06 13:23 | 2025-08-13 11:35 | Resolved | 1 - Information D A | Compliance | Missing Doc | Grant/Warranty Deed is missing | Resolved-Received Warranty Deed with Vendor's Lien and Affidavit of Heirship. - Due Diligence Vendor-08/13/2025 <br> Ready for Review-The warranty Deed that reflects XXX and XXX was executed XXX. XXX died XXX and XXX became sole owner of the property as per the Affidavit of Heirship executed and recorded XXX(which was uploaded for your review XXX). The title commitment shows title vested in XXX N/K/A XXX as she is the only borrower on the loan however the Security Instrument reflects the borrowers new spouse as she has remarried and the spouse(XXX) is required to sign in XXX on a refinance transaction. - Seller-08/13/2025 <br> Counter-XXX Home Equity Security Instrument reflects Vesting as "XXX, having acquired Title as XXX N/K/A XXX and spouse, XXX" however, Warranty Deed reflects Vesting as "XXX and wife, XXX." - Due Diligence Vendor-08/13/2025 <br> Ready for Review-Document Uploaded. - Seller-08/12/2025 <br> Open-Missing Grant/Warranty Deed to confirm Vesting on Deed of Trust/Mortgage document in file. - Due Diligence Vendor-08/06/2025 | Ready for Review-The warranty Deed that reflects XXX and XXX was executed XXX. XXX died XXX and XXX became sole owner of the property as per the Affidavit of Heirship executed and recorded XXX(which was uploaded for your review XXX). The title commitment shows title vested in XXX N/K/A XXX as she is the only borrower on the loan however the Security Instrument reflects the borrowers new spouse as she has remarried and the spouse(XXX) is required to sign in XXX on a refinance transaction. - Seller-08/13/2025 <br> Ready for Review-Document Uploaded. - Seller-08/12/2025 | Resolved-Received Warranty Deed with Vendor's Lien and Affidavit of Heirship. - Due Diligence Vendor-08/13/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 85%.<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%. |  | XXX - Warranty Deed.pdf<br> XXX - Warranty Deed Alternative.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 37635950 | XXX | XXX D A | Closed | FCRE5790 | 2025-08-06 12:17 | 2025-08-11 10:57 | Resolved | 1 - Information D A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received UDM reflecting no new debt or inquiries. - Due Diligence Vendor-08/11/2025 <br> Ready for Review-Document Uploaded. Please see the debt monitoring on the first page. - Seller-08/11/2025 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Borrower 1 Gap Credit Report XXX and note date is XXX gap report is greater than 15 days from the note date - Due Diligence Vendor-08/06/2025 | Ready for Review-Document Uploaded. Please see the debt monitoring on the first page. - Seller-08/11/2025<br>| Resolved-Received UDM reflecting no new debt or inquiries. - Due Diligence Vendor-08/11/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 85%.<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%. |  | gap report debt monitoring.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 37635950 | XXX | XXX D A | Closed | FCOM1005 | 2025-08-06 13:24 | 2025-08-11 08:59 | Resolved | 1 - Information C A | Compliance | Disclosure | TX Affidavit of Reasonable Costs on Homestead Property is missing | Resolved-Received XXX Home Equity Affidavit and Agreement which addresses XXX Affidavit of Reasonable Costs on Homestead Property. - Due Diligence Vendor-08/11/2025 <br> Ready for Review-Document Uploaded. - Seller-08/11/2025 <br> Open-XXX Affidavit of Reasonable Costs on Homestead Property is missing. - Due Diligence Vendor-08/06/2025 | Ready for Review-Document Uploaded. - Seller-08/11/2025<br>| Resolved-Received XXX Home Equity Affidavit and Agreement which addresses XXX Affidavit of Reasonable Costs on Homestead Property. - Due Diligence Vendor-08/11/2025 | LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 85%.<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%. |  | XXX_XXX_ XXX_affidavit_and_Agreement.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 30600703 | XXX | XXX D A | Closed | FCRE1492 | 2025-08-16 11:52 | 2025-08-21 14:46 | Resolved | 1 - Information C A | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Resolved-Received borrower LOX for cash out. - Due Diligence Vendor-08/21/2025 <br>Ready for Review-Document Uploaded. - Seller-08/21/2025 <br>Open-Missing letter explaining use of cash out proceeds. - Due Diligence Vendor-08/16/2025 | Ready for Review-Document Uploaded. - Seller-08/21/2025<br>| Resolved-Received borrower LOX for cash out. - Due Diligence Vendor-08/21/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | XXX lox for cash out.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 30600703 | XXX | XXX D A | Closed | FCRE1161 | 2025-08-13 15:52 | 2025-08-20 11:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Received Life of Loan Flood Certificate. - Due Diligence Vendor-08/20/2025 <br>Ready for Review-Document Uploaded. - Seller-08/19/2025 <br>Open-Missing Flood Certificate with Life of Loan Flood Zone Determination - Due Diligence Vendor-08/18/2025 | Ready for Review-Document Uploaded. - Seller-08/19/2025<br>| Resolved-Received Life of Loan Flood Certificate. - Due Diligence Vendor-08/20/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | Flood Cert.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 30600703 | XXX | XXX D A | Closed | FCOM1221 | 2025-08-13 18:03 | 2025-08-19 20:21 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-Received Mortgage inclusive of Legal Description. - Due Diligence Vendor-08/20/2025 <br> Ready for Review-Document Uploaded. - Seller-08/19/2025 <br> Open-The Deed of Trust is Incomplete The Mortgage is missing the legal description attached as Exhibit A. Mortgage in file dated XXX reflects "SEE LEGAL DESCRIPTION ATTACHED HERETO AND MADE A PART HEREOF AS "EXHIBIT A"." on Page 1, however, Exhibit A is missing. Need full copy of Mortgage inclusive of Exhibit A Legal Description and any Riders. - Due Diligence Vendor-08/13/2025 | Ready for Review-Document Uploaded. - Seller-08/19/2025<br>| Resolved-Received Mortgage inclusive of Legal Description. - Due Diligence Vendor-08/20/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | XXX Mortgage .pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 31392882 | XXX | XXX D A C | Closed | FCOM8805 | 2025-08-13 12:48 | 2025-08-25 13:10 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Borrower Authorization | Resolved-Received evidence of borrower authorization. - Due Diligence Vendor-08/25/2025 <br> Ready for Review-Document Uploaded. - Seller-08/25/2025 <br> Open-Credit report dated XXX pulled by XXX is dated prior to the borrower's authorization dated XXX. Missing documentation to support borrower's authorization to pull credit pulled on XXX. - Due Diligence Vendor-08/13/2025 | Ready for Review-Document Uploaded. - Seller-08/25/2025<br>| Resolved-Received evidence of borrower authorization. - Due Diligence Vendor-08/25/2025<br>|  |  | XXX Credit Approval.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 31392882 | XXX | XXX D A C | Closed | FCOM1003 | 2025-08-13 11:58 | 2025-08-21 16:00 | Resolved | 1 - Information D A | Compliance | Missing Doc | Grant/Warranty Deed is missing | Resolved-Title reflects vesting as XXX. - Due Diligence Vendor-08/21/2025 <br> Ready for Review-There was no new deed done for this refinance. As per the title" deed from XXX, unmarried and his father,XXX, married to XXX, dated XXX, recorded XXX" - Seller-08/21/2025 <br> Open-Missing Grant/Warranty Deed to confirm Vesting on Deed of Trust/Mortgage document in file. - Due Diligence Vendor-08/13/2025 | Ready for Review-There was no new deed done for this refinance. As per the title" deed from XXX, unmarried and his father, XXX, married to XXX, dated XXX, recorded XXX" - Seller-08/21/2025 | Resolved-Title reflects vesting as XXX. - Due Diligence Vendor-08/21/2025 |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 31392882 | XXX | XXX D A C | Closed | FCOM1221 | 2025-08-13 10:53 | 2025-08-21 14:44 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-Received Mortgage inclusive of Legal Description. - Due Diligence Vendor-08/21/2025 <br> Ready for Review-Document Uploaded. - Seller-08/21/2025 <br> Open-The Deed of Trust is Incomplete The Mortgage is missing the legal description attached as Exhibit A. Mortgage in file dated XXX reflects "SEE LEGAL DESCRIPTION ATTACHED HERETO AND MADE A PART HEREOF AS "EXHIBIT A"." on Page 1, however, Exhibit A is missing. Need full copy of Mortgage inclusive of Exhibit A Legal Description and any Riders. - Due Diligence Vendor-08/13/2025 | Ready for Review-Document Uploaded. - Seller-08/21/2025<br>| Resolved-Received Mortgage inclusive of Legal Description. - Due Diligence Vendor-08/21/2025<br>|  |  | XXX Mtg With LD.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 31392882 | XXX | XXX D A C | Closed | FCRE5782 | 2025-08-13 10:08 | 2025-08-21 14:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received gap credit report reflecting no new debt or inquiries. - Due Diligence Vendor-08/21/2025 <br> Ready for Review-Document Uploaded. - Seller-08/21/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Credit report dated XXX exceed 30 days from Note date XXX. Gap credit report required within 30 days of Note date. - Due Diligence Vendor-08/14/2025 | Ready for Review-Document Uploaded. - Seller-08/21/2025<br>| Resolved-Received gap credit report reflecting no new debt or inquiries. - Due Diligence Vendor-08/21/2025<br>|  |  | XXX refresh.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 31392882 | XXX | XXX D A C | Closed | FVAL9739 | 2025-08-14 19:33 | 2025-08-21 14:37 | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-Received supporting documentation of AIR Compliance. - Due Diligence Vendor-08/21/2025 <br> Ready for Review-Please refer to "XXX Credit XXX.pdf" page 5 for the Appraisal AIR CERT - Seller-08/21/2025 <br> Open-Missing documentation to support appraisal order meets AIR compliance. Appraisal completed for XXX reflects "No AMC" and payment was made directly to appraiser. - Due Diligence Vendor-08/14/2025 | Ready for Review-Please refer to "XXX Credit XXX.pdf" page 5 for the Appraisal AIR CERT - Seller-08/21/2025 | Resolved-Received supporting documentation of AIR Compliance. - Due Diligence Vendor-08/21/2025<br>|  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 35595471 | XXX | XXX A | Closed | FCRE1166 | 2025-08-27 20:26 | 2025-09-19 09:32 | Resolved | 1 - Information A | Credit | Insurance | Hazard Insurance Coverage is less than all Subject Lien(s) | Resolved-Received RCE reflecting sufficient coverage. - Due Diligence Vendor-09/19/2025 <br> Ready for Review-Document Uploaded. - Seller-09/19/2025 <br> Counter-Received Lender LOX for Lender's coverage requirements, however policy does not include sufficient coverage per investor guidelines, Section 2.15.1. - Due Diligence Vendor-09/10/2025 <br> Ready for Review-Document Uploaded. - Seller-09/10/2025 <br> Open-Hazard Insurance Coverage Amount of $XXX is less than Total Amount of Subject Lien(s) of $XXX Missing an active hazard insurance policy, with sufficient coverage for the total combined liens of $XXX. Or a statement from the insurance company stating the maximum value they will insure. - Due Diligence Vendor-08/28/2025 | Ready for Review-Document Uploaded. - Seller-09/19/2025 <br>Ready for Review-Document Uploaded. - Seller-09/10/2025<br>| Resolved-Received RCE reflecting sufficient coverage. - Due Diligence Vendor-09/19/2025<br>| DSCR ratio greater than guideline requirement - Calculated DSCR XXX, minimum DSCR per guidelines is 1.<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 680 |  | XXX LOE.pdf<br> XXX rce.pdf<br> XXX ins calc.pdf | ATR/QM: Exempt | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 31346132 | XXX | XXX B A | Closed | FCRE7874 | 2025-08-04 16:35 | 2025-08-07 15:49 | Resolved | 1 - Information B A | Credit | Data | Final 1008 Note Type Variance | Resolved-Received revised 1008. - Due Diligence Vendor-08/07/2025 <br>Ready for Review-Document Uploaded. - Seller-08/07/2025 <br>Open-All closing documents indicate the loan type as fixed; however, Form 1008 reflects the loan type as ARM. Missing updated 1008. - Due Diligence Vendor-08/04/2025 | Ready for Review-Document Uploaded. - Seller-08/07/2025<br>| Resolved-Received revised 1008. - Due Diligence Vendor-08/07/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 680 |  | XXX_XXX_updated_1008.pdf | ATR/QM: Exempt | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 34554737 | XXX | XXX C A | Closed | 1000609-1001960 | 2025-09-04 13:36 | 2025-09-16 20:41 | Resolved | 1 - Information C A | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Received Initial Closing Disclosure Issued XXX. - Due Diligence Vendor-09/17/2025 <br> Resolved- - Due Diligence Vendor-09/17/2025 <br> Ready for Review-Document Uploaded. - Seller-09/16/2025 <br> Open-Missing Initial Closing Disclosure. Unable to perform Regulatory Compliance review and TRID Monitoring. - Due Diligence Vendor-09/04/2025 <br> Open- - Due Diligence Vendor-09/04/2025 | Ready for Review-Document Uploaded. - Seller-09/16/2025<br>| Resolved-Received Initial Closing Disclosure Issued XXX. - Due Diligence Vendor-09/17/2025 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | Audit log.pdf<br>Initial CD 8-14 Unsigned.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | 37343521 | XXX | XXX D A | Closed | FCOM1477 | 2025-08-08 09:17 | 2025-08-13 11:38 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Received Lock Confirmation reflecting Lock Date. - Due Diligence Vendor-08/13/2025 <br> Ready for Review-Document Uploaded. - Seller-08/13/2025 <br> Open-Evidence of Rate Lock Missing Revised Loan Estimate (LE) in file Issued XXX reflects loan as locked, however, missing any form of rate lock confirmation reflecting the date the rate was locked. - Due Diligence Vendor-08/08/2025 | Ready for Review-Document Uploaded. - Seller-08/13/2025<br>| Resolved-Received Lock Confirmation reflecting Lock Date. - Due Diligence Vendor-08/13/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | lock.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 37343521 | XXX | XXX D A | Closed | FCOM8805 | 2025-08-08 11:05 | 2025-08-13 11:29 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Borrower Authorization | Resolved-Received borrower authorization. - Due Diligence Vendor-08/13/2025 <br> Ready for Review-Document Uploaded. - Seller-08/13/2025 <br> Open-Credit report dated XXX pulled by XXX is dated prior to the borrower's authorization dated XXX. Missing documentation to support borrower's authorization to pull credit pulled on XXX - Due Diligence Vendor-08/08/2025 | Ready for Review-Document Uploaded. - Seller-08/13/2025<br>| Resolved-Received borrower authorization. - Due Diligence Vendor-08/13/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | auth.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 37667976 | XXX | XXX D A B C | Closed | FVAL9739 | 2025-08-11 15:29 | 2025-08-18 14:31 | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-Received AVM plus PCI report. - Due Diligence Vendor-08/18/2025 <br> Ready for Review-Document Uploaded. This is a combination of the AVM + PCI and includes both in one report. - Seller-08/18/2025 <br> Counter-Lender LOX received, however insufficient to clear condition as loan is a 2nd lien loan and reviewed to XXX guidelines. Per section 3.1.1 of guidelines, an AVM and PCI are required for loan amounts less than $400,000. - Due Diligence Vendor-08/13/2025 <br> Ready for Review-Document Uploaded. Please specify the guidelines that say that we HAVE to have both, attached is a screenshot of the guides stating that it allows AVM and PCI, it doesn't state that it's required - Seller-08/13/2025 <br> Counter-Received appraisal documentation already included in loan file. Per section 3.1.1 of guidelines, an AVM and PCI are required for loan amounts less than $400,000. - Due Diligence Vendor-08/12/2025 <br> Ready for Review-Document Uploaded. - Seller-08/11/2025 <br> Open-Missing Property Condition Inspection as required by lender. - Due Diligence Vendor-08/11/2025 | Ready for Review-Document Uploaded. This is a combination of the AVM + PCI and includes both in one report. - Seller-08/18/2025 <br>Ready for Review-Document Uploaded. Please specify the guidelines that say that we HAVE to have both, attached is a screenshot of the guides stating that it allows AVM and PCI, it doesn't state that it's required - Seller-08/13/2025 <br>Ready for Review-Document Uploaded. - Seller-08/11/2025<br>| Resolved-Received AVM plus PCI report. - Due Diligence Vendor-08/18/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80% |  | PCI.pdf<br> XXX LOE.pdf<br> XXX V1 Appraisal.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | 37667976 | XXX | XXX D A B C | Closed | FCRE5782 | 2025-08-11 09:59 | 2025-08-12 10:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received gap credit report reflecting no new debt or inquiries. - Due Diligence Vendor-08/12/2025 <br> Ready for Review-Document Uploaded. - Seller-08/11/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Missing Gap report which is required if Note date is greater than 30 days after the date of the original credit report of XXX. - Due Diligence Vendor-08/11/2025 | Ready for Review-Document Uploaded. - Seller-08/11/2025<br>| Resolved-Received gap credit report reflecting no new debt or inquiries. - Due Diligence Vendor-08/12/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80% |  | SOFT PULL XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | 37667976 | XXX | XXX D A B C | Closed | FCOM1329 | 2025-08-11 10:39 | 2025-08-11 18:33 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Anti-Steering Disclosure | Resolved-Received Loan Options Disclosure. - Due Diligence Vendor-08/11/2025 <br>Ready for Review-Document Uploaded. - Seller-08/11/2025 <br>Open-Loan option disclosure is missing from the file. - Due Diligence Vendor-08/11/2025 | Ready for Review-Document Uploaded. - Seller-08/11/2025<br>| Resolved-Received Loan Options Disclosure. - Due Diligence Vendor-08/11/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80% |  | Anti Steering.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | 38893047 | XXX | XXX D A | Closed | FCOM8805 | 2025-08-18 10:26 | 2025-08-25 13:56 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Borrower Authorization | Resolved-Received evidence of borrower authorization. - Due Diligence Vendor-08/25/2025 <br> Ready for Review-Document Uploaded. - Seller-08/25/2025 <br> Open-Missing documentation to support borrower's authorization to pull credit pulled on XXX. Credit report dated XXX is dated prior to the borrower's authorization dated XXX. - Due Diligence Vendor-08/18/2025 | Ready for Review-Document Uploaded. - Seller-08/25/2025<br>| Resolved-Received evidence of borrower authorization. - Due Diligence Vendor-08/25/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90% |  | XXX Credit Approval.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 38893047 | XXX | XXX D A | Closed | FCOM1221 | 2025-08-18 14:46 | 2025-08-20 12:36 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-Received Mortgage inclusive of Schedule A Legal Description. - Due Diligence Vendor-08/20/2025 <br>Ready for Review-Document Uploaded. - Seller-08/20/2025 <br>Open-The Deed of Trust is Incomplete Missing legal desciption. Mortgage document states see legal description attached hereto and made a part hereof as "exhibit A" however no exhibit A is included. - Due Diligence Vendor-08/18/2025 | Ready for Review-Document Uploaded. - Seller-08/20/2025<br>| Resolved-Received Mortgage inclusive of Schedule A Legal Description. - Due Diligence Vendor-08/20/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90% |  | XXX Mortgage.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 38456250 | XXX | XXX C A | Closed | 1000609-1001960 | 2025-09-03 18:54 | 2025-09-16 20:49 | Resolved | 1 - Information C A | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Received Initial Closing Disclosure Issued XXX. - Due Diligence Vendor-09/17/2025 <br> Resolved- - Due Diligence Vendor-09/17/2025 <br> Ready for Review-Document Uploaded. Initial CD XXX attached - Seller-09/16/2025 <br> Open-The Initial Closing Disclosure Received Date of (XXX) is not three business days before the consummation date of (XXX). Three business days before the consummation date is (XXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Missing Initial Closing Disclosure. Unable to perform Regulatory Compliance review and TRID Monitoring. - Due Diligence Vendor-09/03/2025 <br> Open- - Due Diligence Vendor-09/03/2025 | Ready for Review-Document Uploaded. Initial CD XXX attached - Seller-09/16/2025 | Resolved-Received Initial Closing Disclosure Issued XXX. - Due Diligence Vendor-09/17/2025 |  |  | Initial CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 39031680 | XXX | XXX D A | Closed | FCOM8805 | 2025-09-03 11:54 | 2025-09-09 15:51 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Borrower Authorization | Resolved-Received borrower authroization. - Due Diligence Vendor-09/09/2025 <br> Ready for Review-Document Uploaded. - Seller-09/09/2025 <br> Open-Credit report dated XXX pulled by XXX is dated prior to the borrower's authorization dated XXX. Missing documentation to support borrower's authorization to pull credit pulled on XXX. - Due Diligence Vendor-09/03/2025 | Ready for Review-Document Uploaded. - Seller-09/09/2025<br>| Resolved-Received borrower authroization. - Due Diligence Vendor-09/09/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | XXX Credit Authorization Document.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 39031680 | XXX | XXX D A | Closed | FCOM1221 | 2025-09-03 11:03 | 2025-09-09 15:20 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-Received Deed of Trust inclusive of Legal Description. - Due Diligence Vendor-09/09/2025 <br> Ready for Review-Document Uploaded. - Seller-09/09/2025 <br> Open-The Deed of Trust is Incomplete The Deed of Trust is missing the legal description attached as Exhibit A. Deed of Trust in file dated XXX reflects "SEE LEGAL DESCRIPTION ATTACHED HERETO AND MADE A PART HEREOF AS "EXHIBIT A"." on Page 2, however, Exhibit A is missing. Need full copy of Deed of Trust inclusive of Exhibit A Legal Description and any Riders. - Due Diligence Vendor-09/03/2025 | Ready for Review-Document Uploaded. - Seller-09/09/2025<br>| Resolved-Received Deed of Trust inclusive of Legal Description. - Due Diligence Vendor-09/09/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | XXX DOT.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 38341088 | XXX | XXX D A | Closed | FCOM1221 | 2025-08-15 08:54 | 2025-08-18 16:11 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-Received Legal description attached to Mortgage/DOT. - Due Diligence Vendor-08/18/2025 <br> Ready for Review-Document Uploaded. - Seller-08/18/2025 <br> Open-The Deed of Trust is Incomplete The Mortgage is missing the legal description attached as Exhibit A. Mortgage in file dated XXX reflects "SEE LEGAL DESCRIPTION ATTACHED HERETO AND MADE A PART HEREOF AS EXHIBIT "A"." on Page 3, however, Exhibit A is missing. Need full copy of Mortgage inclusive of Exhibit A Legal Description and any Riders. - Due Diligence Vendor-08/15/2025 | Ready for Review-Document Uploaded. - Seller-08/18/2025<br>| Resolved-Received Legal description attached to Mortgage/DOT. - Due Diligence Vendor-08/18/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 680 |  | XXX Mortgage - Second Lien.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 38341088 | XXX | XXX D A | Closed | FCRE1201 | 2025-08-15 10:08 | 2025-08-18 15:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received Cleared fraud report. - Due Diligence Vendor-08/18/2025 <br>Ready for Review-Document Uploaded. - Seller-08/18/2025 <br>Open-Missing Third Party Fraud Report. - Due Diligence Vendor-08/18/2025 | Ready for Review-Document Uploaded. - Seller-08/18/2025<br>| Resolved-Received Cleared fraud report. - Due Diligence Vendor-08/18/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 680 |  | XXXReport.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 38341088 | XXX | XXX D A | Closed | FCRE6873 | 2025-08-18 11:09 | 2025-08-18 15:17 | Resolved | 1 - Information C A | Credit | Borrower | Fraud alert is present on the credit report | Resolved-Received Lender LOX for fraud alert. - Due Diligence Vendor-08/18/2025 <br>Ready for Review-Document Uploaded. - Seller-08/18/2025 <br>Open-Fraud alert is present on the credit report, missing letter from lender stating borrower has given permission to extend credit. - Due Diligence Vendor-08/18/2025 | Ready for Review-Document Uploaded. - Seller-08/18/2025<br>| Resolved-Received Lender LOX for fraud alert. - Due Diligence Vendor-08/18/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 680 |  | lender credit lox.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 32136783 | XXX | XXX D A | Closed | FCOM1221 | 2025-09-10 19:12 | 2025-09-19 08:52 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-Received Deed of Trust inclusive of Exhibit "A" Legal Description. - Due Diligence Vendor-09/19/2025 <br> Ready for Review-Document Uploaded. - Seller-09/18/2025 <br> Open-The Deed of Trust is Incomplete The Deed of Trust is missing the legal description attached as Exhibit A. Deed of Trust in file dated XXX reflects "SEE LEGAL DESCRIPTION ATTACHED HERETO AND MADE A PART HEREOF AS "EXHIBIT A"." on Page 2, however, Exhibit A is missing. Need full copy of Deed of Trust inclusive of Exhibit A Legal Description and any Riders. - Due Diligence Vendor-09/10/2025 | Ready for Review-Document Uploaded. - Seller-09/18/2025<br>| Resolved-Received Deed of Trust inclusive of Exhibit "A" Legal Description. - Due Diligence Vendor-09/19/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | DOT_Recorded.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 32136783 | XXX | XXX D A | Closed | FCRE5782 | 2025-09-11 10:39 | 2025-09-17 13:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received gap credit report reflecting no new inquiries or debt. - Due Diligence Vendor-09/17/2025 <br>Ready for Review-Document Uploaded. - Seller-09/16/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Missing GAP Credit Report dated within 30 days of Note per guidelines. Subject to recalculation of DTI. - Due Diligence Vendor-09/12/2025 | Ready for Review-Document Uploaded. - Seller-09/16/2025<br>| Resolved-Received gap credit report reflecting no new inquiries or debt. - Due Diligence Vendor-09/17/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | Soft Pull XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 32136783 | XXX | XXX D A | Closed | FCRE5783 | 2025-09-11 10:39 | 2025-09-17 13:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Received gap credit report reflecting no new inquiries or debt. - Due Diligence Vendor-09/17/2025 <br>Ready for Review-Document Uploaded. - Seller-09/16/2025 <br>Open-Borrower 2 Gap Credit Report is Missing Missing GAP Credit Report dated within 30 days of Note per guidelines. Subject to recalculation of DTI. - Due Diligence Vendor-09/12/2025 | Ready for Review-Document Uploaded. - Seller-09/16/2025<br>| Resolved-Received gap credit report reflecting no new inquiries or debt. - Due Diligence Vendor-09/17/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | Soft Pull XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 32136783 | XXX | XXX D A | Closed | 1000609-1001960 | 2025-09-10 16:56 | 2025-09-16 20:00 | Resolved | 1 - Information C A | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Received Initial Closing Disclosure IssuedXXX. - Due Diligence Vendor-09/17/2025 <br> Resolved- - Due Diligence Vendor-09/16/2025 <br> Ready for Review-Document Uploaded. - Seller-09/16/2025 <br> Open-The Initial Closing Disclosure Received Date of (XXX) is not three business days before the consummation date of (XXX). Three business days before the consummation date is (XXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Missing Initial Closing Disclosure. Unable to perform Regulatory Compliance review and TRID Monitoring. - Due Diligence Vendor-09/10/2025 <br> Open- - Due Diligence Vendor-09/10/2025 <br> Open- - Due Diligence Vendor-09/10/2025 <br> Open- - Due Diligence Vendor-09/10/2025 | Ready for Review-Document Uploaded. - Seller-09/16/2025<br>| Resolved-Received Initial Closing Disclosure Issued XXX. - Due Diligence Vendor-09/17/2025 | Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | Initial CD XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 31842269 | XXX | XXX D A | Closed | FCRE4963 | 2025-08-21 09:56 | 2025-08-28 16:13 | Resolved | 1 - Information C A | Credit | Debt | No evidence of required debt payoff | Resolved-Lender commentary received - amount collected on Final CD is higher than amount reflected on gap credit report. - Due Diligence Vendor-08/28/2025 <br> Ready for Review-The account balance used to payoff the acct was from the original credit report. However, the balance on the softpull is actually lower than then what was paid to XXX. So, borrower would just get a refund of the overage from XXX when they process the payoff. <br> We do not get payoff statements for installment accounts. We go off the balance on the credit report. In this case we "overpaid", so there's no DTI concern - Seller-08/28/2025 <br> Open-Missing payoff statement for Installment Loan - XXX XXX. - Due Diligence Vendor-08/21/2025 | Ready for Review-The account balance used to payoff the acct was from the original credit report. However, the balance on the softpull is actually lower than then what was paid to XXX. So, borrower would just get a refund of the overage from XXX when they process the payoff. <br> We do not get payoff statements for installment accounts. We go off the balance on the credit report. In this case we "overpaid", so there's no DTI concern - Seller-08/28/2025 | Resolved-Lender commentary received - amount collected on Final CD is higher than amount reflected on gap credit report. - Due Diligence Vendor-08/28/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | 31842269 | XXX | XXX D A | Closed | FCRE5782 | 2025-08-20 15:12 | 2025-08-27 09:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received gap credit report reflecting no new debt or inquiries. - Due Diligence Vendor-08/27/2025 <br>Ready for Review-Document Uploaded. - Seller-08/26/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Missing GAP Report dated within 30 days of Note date. - Due Diligence Vendor-08/21/2025 | Ready for Review-Document Uploaded. - Seller-08/26/2025<br>| Resolved-Received gap credit report reflecting no new debt or inquiries. - Due Diligence Vendor-08/27/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | Softpull.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | 30340919 | XXX | XXX D A | Closed | FCRE1157 | 2025-08-29 10:36 | 2025-09-18 12:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Received supporting documentation of updated HOI and XXX account. - Due Diligence Vendor-09/18/2025 <br> Ready for Review-Document Uploaded. Please see attached Note and lender attestation on XXX - Thank you, - Seller-09/18/2025 <br> Counter-Received current HOI policy for primary home located at XXX. however XXX acct #XXX is still reflected as 2nd Mortgagee. Still missing evidence this has been paid in full and has been removed from the policy. Subject to recalculation of DTI upon receipt. - Due Diligence Vendor-09/17/2025 <br> Ready for Review-Document Uploaded. Please see attached corrected HOI - the bwr does not have a 2nd mtg w/ XXX on this policy should be XXX as the prev policy - thank you, - Seller-09/17/2025 <br> Counter-Received updated HOI policy for XXX., however 2nd Mortgagee is now reflected as XXX. Missing terms of new 2nd Mortgage with XXX. - Due Diligence Vendor-09/08/2025 <br> Ready for Review-Document Uploaded. Please see attached updated HOI, PCURLA and 1008 reflecting updated premium reflected on current policy term. - Seller-09/08/2025 <br> Open-Missing the updated hazard insurance policy for borrowers primary home located at XXX. One in the file expired XXX. Also the policy reflects borrower has a 2nd mortgage with XXX XXX Corp acct #XXX, missing evidence this has been paid in full and has been removed from the policy. Subject to recalculation of DTI upon receipt. - Due Diligence Vendor-08/29/2025 | Ready for Review-Document Uploaded. Please see attached Note and lender attestation on XXX - Thank you, - Seller-09/18/2025 <br> Ready for Review-Document Uploaded. Please see attached corrected HOI - the bwr does not have a 2nd mtg w/ XXX on this policy should be XXX as the prev policy - thank you, - Seller-09/17/2025 <br> Ready for Review-Document Uploaded. Please see attached updated HOI, PCURLA and 1008 reflecting updated premium reflected on current policy term. - Seller-09/08/2025 | Resolved-Received supporting documentation of updated HOI and XXX account. - Due Diligence Vendor-09/18/2025 | Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | EOI 2025.pdf<br> Updated 1003 and 1008 XXX.pdf<br> Revised EOI 2025.pdf<br> XXX XXX XXX LENDERATTESTATION.pdf<br> Copy of Note.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Second Home | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 30340919 | XXX | XXX D A | Closed | FCRE4805 | 2025-08-29 10:11 | 2025-09-03 17:20 | Resolved | 1 - Information C A | Credit | Eligibility | Trust/POA Does Not Meet Guideline Requirements | Resolved-Received documentation to support title officer reviewed and approved the trust. - Due Diligence Vendor-09/03/2025 <br>Ready for Review-Document Uploaded. Title Officer Approval of Trust Docs and Cert - Seller-09/03/2025 <br>Open-Trust/POA Does Not Meet Guideline Requirements Missing evidence the Trust cert has been reviewed and approved by Title company. - Due Diligence Vendor-08/29/2025 | Ready for Review-Document Uploaded. Title Officer Approval of Trust Docs and Cert - Seller-09/03/2025<br>| Resolved-Received documentation to support title officer reviewed and approved the trust. - Due Diligence Vendor-09/03/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | EmailConffromTitleOfficer-XXXFamilyTrust.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Second Home | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 32262888 | XXX | XXX D A | Closed | FCOM1221 | 2025-08-26 10:56 | 2025-08-28 14:11 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-Received Mortgage inclusive of Exhibit "A" Legal Description. - Due Diligence Vendor-08/28/2025 <br> Ready for Review-Document Uploaded. - Seller-08/28/2025 <br> Open-The Deed of Trust is Incomplete The Mortgage is missing the legal description attached as Exhibit A. Mortgage in file dated XXX reflects "SEE LEGAL DESCRIPTION ATTACHED HERETO AND MADE A PART HEREOF AS "EXHIBIT A"." on Page 2, however, Exhibit A is missing. Need full copy of Mortgage inclusive of Exhibit A Legal Description and any Riders. - Due Diligence Vendor-08/26/2025 | Ready for Review-Document Uploaded. - Seller-08/28/2025<br>| Resolved-Received Mortgage inclusive of Exhibit "A" Legal Description. - Due Diligence Vendor-08/28/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90% |  | Recorded Mortgage.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 35854214 | XXX | XXX D A B | Closed | FCRE5783 | 2025-09-11 13:34 | 2025-09-17 10:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Received gap credit report reflecting no new debt or inquiries. - Due Diligence Vendor-09/17/2025 <br> Ready for Review-Document Uploaded. - Seller-09/16/2025 <br> Open-Borrower 2 Gap Credit Report is Missing Borrower's credit report dated XXX exceeds 30 days from Note date of XXX. Gap report required. Subject to re-calculation of debt ratio upon receipt. - Due Diligence Vendor-09/16/2025 | Ready for Review-Document Uploaded. - Seller-09/16/2025<br>| Resolved-Received gap credit report reflecting no new debt or inquiries. - Due Diligence Vendor-09/17/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80% |  | B1 & B2 SOFTPULL.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | 35854214 | XXX | XXX D A B | Closed | FCRE5782 | 2025-09-11 13:34 | 2025-09-17 10:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received gap credit report reflecting no new debt or inquiries. - Due Diligence Vendor-09/17/2025 <br> Ready for Review-Document Uploaded. - Seller-09/16/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Borrower's credit report dated XXX exceeds 30 days from Note date of XXX. Gap report required. Subject to re-calculation of debt ratio upon receipt. - Due Diligence Vendor-09/16/2025 | Ready for Review-Document Uploaded. - Seller-09/16/2025<br>| Resolved-Received gap credit report reflecting no new debt or inquiries. - Due Diligence Vendor-09/17/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80% |  | B1 & B2 SOFTPULL.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | 35854214 | XXX | XXX D A B | Closed | FCOM1329 | 2025-09-11 14:17 | 2025-09-16 20:15 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Anti-Steering Disclosure | Resolved-Received Loan Options Disclosure. - Due Diligence Vendor-09/17/2025 <br>Ready for Review-Document Uploaded. - Seller-09/16/2025 <br>Open-Loan Options Disclosure is missing from the file. - Due Diligence Vendor-09/11/2025 | Ready for Review-Document Uploaded. - Seller-09/16/2025<br>| Resolved-Received Loan Options Disclosure. - Due Diligence Vendor-09/17/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80% |  | ASD B1 & B2.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | 34444337 | XXX | XXX D A | Closed | FCRE5782 | 2025-09-05 15:43 | 2025-09-23 16:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received gap credit report reflecting no new debt or inquiries. - Due Diligence Vendor-09/17/2025 <br> Ready for Review-Document Uploaded. - Seller-09/16/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Missing Gap report which is required if Note date is greater than 30 days after the date of the original credit report of XXX. - Due Diligence Vendor-09/11/2025 | Ready for Review-Document Uploaded. - Seller-09/16/2025<br>| Resolved-Received gap credit report reflecting no new debt or inquiries. - Due Diligence Vendor-09/17/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | SoftPull.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A |
| XXX | 34949175 | XXX | XXX C A | Closed | FCRE1440 | 2025-08-15 11:13 | 2025-08-18 14:33 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Lender LOX recieved-Cleared. - Due Diligence Vendor-08/18/2025 <br> Ready for Review-please review the documentation in the file and advise.<br> - Seller-08/18/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Subject mortgage with XXX/XXX xxXXX is partially verified. Per Note first payment was XXX and the credit supplement rates 5 months toXXX. Missing evidence of the XXX, XXX, XXX, XXX, XXX payments. - Due Diligence Vendor-08/15/2025 | Ready for Review-please review the documentation in the file and advise.<br> - Seller-08/18/2025<br>| Resolved-Lender LOX recieved-Cleared. - Due Diligence Vendor-08/18/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | XXX Rebuttal.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 31384651 | XXX | XXX C A | Closed | FCRE6873 | 2025-08-28 21:21 | 2025-09-03 12:09 | Resolved | 1 - Information C A | Credit | Borrower | Fraud alert is present on the credit report | Resolved-Received documentation lender verified borrower applied for the loan and wishes to continue. - Due Diligence Vendor-09/03/2025 <br> Ready for Review-Document Uploaded. Please see attached Processor Cert - Seller-09/03/2025 <br> Open-Missing confirmation borrower applied extended credit. - Due Diligence Vendor-08/29/2025 | Ready for Review-Document Uploaded. Please see attached Processor Cert - Seller-09/03/2025<br>| Resolved-Received documentation lender verified borrower applied for the loan and wishes to continue. - Due Diligence Vendor-09/03/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 660<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50% |  | Processor Cert Fraud Alert.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 34594157 | XXX | XXX D A | Closed | FCOM1262 | 2025-08-27 17:27 | 2025-09-02 17:05 | Resolved | 1 - Information D A | Compliance | Missing Doc | Right of Rescission is Missing | Resolved-Received Notice of Right to Cancel for both Borrowers. - Due Diligence Vendor-09/02/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-09/02/2025 <br>Open-Right of Rescission is Missing from the file. - Due Diligence Vendor-08/27/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-09/02/2025<br>| Resolved-Received Notice of Right to Cancel for both Borrowers. - Due Diligence Vendor-09/02/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 680<br> LTV is less than guideline maximum - XXX% LTV is XXX% less than maximum LTV per guidelines 80% |  | RTCs.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 34594157 | XXX | XXX D A | Closed | FCRE6019 | 2025-08-28 11:31 | 2025-09-02 16:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received copy of completed Patriot Act documentation. - Due Diligence Vendor-09/02/2025 <br>Ready for Review-Please see attached - Seller-09/02/2025 <br>Open-Missing documentation to support borrower and co borrower citizens status. Patriot Act documents are blank. - Due Diligence Vendor-09/02/2025 | Ready for Review-Please see attached - Seller-09/02/2025<br>| Resolved-Received copy of completed Patriot Act documentation. - Due Diligence Vendor-09/02/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 680<br> LTV is less than guideline maximum - XXX% LTV is XXX% less than maximum LTV per guidelines 80% |  | XXX SSA Match.pdf<br> XXX SSA Match.pdf<br> US PATRIOT ACT FORMS B1 B2.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 32770177 | XXX | XXX D A C | Closed | FVAL9739 | 2025-08-29 14:17 | 2025-09-04 11:40 | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-Received supporting documentation of AIR Compliance. - Due Diligence Vendor-09/04/2025 <br> Ready for Review-Document Uploaded. - Seller-09/04/2025 <br> Counter-Received tracking information showing lender ordered appraisal and appraiser accepting order however insufficient to support the lender meets AIR compliance. Appraisal ordered directly by lender and not thru independent 3rd party. Missing documentation to support lender has separate appraisal department in shich the appraisal order is completed. - Due Diligence Vendor-09/03/2025 <br> Ready for Review-Document Uploaded. - Seller-09/02/2025 <br> Open-Missing documentation to Confirm if AIR compliance is met, appraisal reflects no AMC, and payment was made directly to the appraiser. Also missing the appraisal transfer letter from XXX to XXX. - Due Diligence Vendor-08/29/2025 | Ready for Review-Document Uploaded. - Seller-09/04/2025 <br>Ready for Review-Document Uploaded. - Seller-09/02/2025<br>| Resolved-Received supporting documentation of AIR Compliance. - Due Diligence Vendor-09/04/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | XXX_Appraiser_Independence.pdf<br> XXX_AIR Cert.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 32770177 | XXX | XXX D A C | Closed | FCRE3653 | 2025-08-29 14:18 | 2025-09-02 21:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-Letter of explanation for proceeds received. - Due Diligence Vendor-09/03/2025 <br>Ready for Review-Document Uploaded. - Seller-09/02/2025 <br>Open-Missing cash out letter of explanation. - Due Diligence Vendor-08/29/2025 | Ready for Review-Document Uploaded. - Seller-09/02/2025<br>| Resolved-Letter of explanation for proceeds received. - Due Diligence Vendor-09/03/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | XXX_LOX_Home_Equity_Funds.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 32770177 | XXX | XXX D A C | Closed | FCOM8805 | 2025-08-28 17:14 | 2025-09-02 20:54 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Borrower Authorization | Resolved-Received evidence borrower authorized credit pull on XXX. - Due Diligence Vendor-09/03/2025 <br> Ready for Review-Document Uploaded. - Seller-09/02/2025 <br> Open-Credit report dated XXX pulled by XXX is dated prior to the borrower's authorization dated XXX Missing documentation to support borrower's authorization to pull credit pulled on XXX - Due Diligence Vendor-08/28/2025 | Ready for Review-Document Uploaded. - Seller-09/02/2025<br>| Resolved-Received evidence borrower authorized credit pull on XXX. - Due Diligence Vendor-09/03/2025 | Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | XXX_XXX_Credit_Authorization.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 32101351 | XXX | XXX D A | Closed | FCRE7497 | 2025-09-04 10:24 | 2025-09-23 14:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received evidence of HOA Dues for non-subject property. Subject property does not have HOA Dues per appraisal. - Due Diligence Vendor-09/23/2025 <br> Ready for Review-Document Uploaded. - Seller-09/23/2025 <br> Counter-Lender commentary received - Missing evidence of HOA Dues for XXX as reflected on URLA. - Due Diligence Vendor-09/17/2025 <br> Ready for Review-Appraisal states no HOA fees are due, same as the 1003<br> Please specify what document shows the HOA fees. thank you, - Seller-09/16/2025 <br> Open-Missing letter from borrower disclosing presence or absence of any HOA fees on subject property. Lender provided an amount of $XXX however there is no supporting documentation supporting the amount. - Due Diligence Vendor-09/04/2025 | Ready for Review-Document Uploaded. - Seller-09/23/2025 <br>Ready for Review-Appraisal states no HOA fees are due, same as the 1003<br> Please specify what document shows the HOA fees. thank you, - Seller-09/16/2025<br>| Resolved-Received evidence of HOA Dues for non-subject property. Subject property does not have HOA Dues per appraisal. - Due Diligence Vendor-09/23/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90% |  | XXX- HOA dues.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 35570323 | XXX | XXX D A C | Closed | FCOM8805 | 2025-08-25 12:04 | 2025-08-29 08:10 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Borrower Authorization | Resolved-Received borrower authorization. - Due Diligence Vendor-08/29/2025 <br> Ready for Review-Document Uploaded. - Seller-08/28/2025 <br> Open-Credit report dated XXX pulled by XXX is dated prior to the borrower's authorization dated XXX. Missing documentation to support borrower's authorization to pull credit pulled on XXX. - Due Diligence Vendor-08/25/2025 | Ready for Review-Document Uploaded. - Seller-08/28/2025<br>| Resolved-Received borrower authorization. - Due Diligence Vendor-08/29/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%.<br> LTV is less than guideline maximum - XXX% LTV is XXX% less than maximum LTV per guidelines 85%. |  | Certification_&_Authorization.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 35570323 | XXX | XXX D A C | Closed | FCRE7497 | 2025-08-26 17:55 | 2025-08-28 10:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received Final CD for refinance of 2nd lien for non-subject property located at XXX. - Due Diligence Vendor-08/28/2025 <br> Ready for Review-Document Uploaded. - Seller-08/28/2025 <br> Counter-Received tax bill, however still missing final closing disclosure for the refinance/second lien of the non-subject property located at XXX. - Due Diligence Vendor-08/27/2025 <br> Ready for Review-Document Uploaded. - Seller-08/27/2025 <br> Open-Missing final closing disclosure for the refinance/second lien of the non-subject property located at XXX.<br> - Due Diligence Vendor-08/26/2025 | Ready for Review-Document Uploaded. - Seller-08/28/2025 <br>Ready for Review-Document Uploaded. - Seller-08/27/2025<br>| Resolved-Received Final CD for refinance of 2nd lien for non-subject property located at XXX. - Due Diligence Vendor-08/28/2025 | Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%.<br> LTV is less than guideline maximum - XXX% LTV is XXX% less than maximum LTV per guidelines 85%. |  | Condition #1.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 35570323 | XXX | XXX D A C | Closed | FVAL9739 | 2025-08-26 18:03 | 2025-08-27 10:28 | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-Received supporting documentation of AIR Compliance. - Due Diligence Vendor-08/27/2025 <br> Ready for Review-Document Uploaded. - Seller-08/27/2025 <br> Open-Missing documentation to support appraisal order meets AIR compliance. Appraisal completed for XXX Inc. reflects "No AMC" and payment was made directly to the appraiser. - Due Diligence Vendor-08/26/2025 | Ready for Review-Document Uploaded. - Seller-08/27/2025<br>| Resolved-Received supporting documentation of AIR Compliance. - Due Diligence Vendor-08/27/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%.<br> LTV is less than guideline maximum - XXX% LTV is XXX% less than maximum LTV per guidelines 85%. |  | XXX, Inc. Mail - NEW ORDER - XXX - Form 1004+1007 - XXX - XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 31042062 | XXX | XXX D A C | Closed | FCRE5782 | 2025-08-21 13:29 | 2025-08-28 11:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received gap credit report reflecting no new debt or inquiries. - Due Diligence Vendor-08/28/2025 <br>Ready for Review-Document Uploaded. - Seller-08/28/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-08/21/2025 | Ready for Review-Document Uploaded. - Seller-08/28/2025<br>| Resolved-Received gap credit report reflecting no new debt or inquiries. - Due Diligence Vendor-08/28/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 680<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%. |  | Condition #1.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 31042062 | XXX | XXX D A C | Closed | FSER1203 | 2025-08-26 17:20 | 2025-08-28 10:23 | Resolved | 1 - Information A | Servicing | Additional Information | Final Closing Disclosure is missing | Resolved-Received Final CD for refinance of 2nd lien of the non-subject property located at XXX. - Due Diligence Vendor-08/28/2025 <br> Ready for Review-Document Uploaded. - Seller-08/28/2025 <br> Open-Missing final closing disclosure for the refinance/2nd lien of the non-subject property located at XXX. - Due Diligence Vendor-08/26/2025 | Ready for Review-Document Uploaded. - Seller-08/28/2025<br>| Resolved-Received Final CD for refinance of 2nd lien of the non-subject property located at XXX. - Due Diligence Vendor-08/28/2025 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 680<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%. |  | Condition #4.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 31042062 | XXX | XXX D A C | Closed | FCRE7843 | 2025-08-25 14:30 | 2025-08-28 10:21 | Resolved | 1 - Information B A | Credit | Data | Final 1003 URLA Occupancy Variance | Resolved-Received revised Final URLA correcting REO section. - Due Diligence Vendor-08/28/2025 <br> Ready for Review-Document Uploaded. - Seller-08/28/2025 <br> Open-"According to the final 1003, the loan purpose is listed as an investment refinance for the property located at XXX; however, the same property is identified as a second home on the final URLA (REO section)." - Due Diligence Vendor-08/25/2025 | Ready for Review-Document Uploaded. - Seller-08/28/2025<br>| Resolved-Received revised Final URLA correcting REO section. - Due Diligence Vendor-08/28/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 680<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%. |  | Condition #3.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 31042062 | XXX | XXX D A C | Closed | FCOM8805 | 2025-08-25 14:19 | 2025-08-28 10:20 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Borrower Authorization | Resolved-Received borrower authorization. - Due Diligence Vendor-08/28/2025 <br> Ready for Review-Document Uploaded. - Seller-08/28/2025 <br> Open-Credit report dated XXX pulled by XXX is dated prior to the borrower's authorization dated XXX. Missing documentation to support borrower's authorization to pull credit pulled on XXX. - Due Diligence Vendor-08/25/2025 | Ready for Review-Document Uploaded. - Seller-08/28/2025<br>| Resolved-Received borrower authorization. - Due Diligence Vendor-08/28/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 680<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%. |  | Certification_&_Authorization.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 31042062 | XXX | XXX D A C | Closed | FCRE1201 | 2025-08-25 13:40 | 2025-08-27 10:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received fraud report reflecting no high alerts. - Due Diligence Vendor-08/27/2025 <br>Ready for Review-Document Uploaded. - Seller-08/27/2025 <br>Open-Missing Third Party Fraud Report Subject to additional conditions upon receipt. - Due Diligence Vendor-08/26/2025 | Ready for Review-Document Uploaded. - Seller-08/27/2025<br>| Resolved-Received fraud report reflecting no high alerts. - Due Diligence Vendor-08/27/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 680<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%. |  | Fraud report-Final.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 31042062 | XXX | XXX D A C | Closed | FVAL9739 | 2025-08-26 16:58 | 2025-08-27 10:30 | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-Received supporting documentation of AIR Compliance. - Due Diligence Vendor-08/27/2025 <br> Ready for Review-Document Uploaded. - Seller-08/27/2025 <br> Open-Missing documentation to support appraisal order meets AIR compliance. Appraisal completed for XXX reflects "No AMC" and payment was made directly to the appraiser. - Due Diligence Vendor-08/26/2025 | Ready for Review-Document Uploaded. - Seller-08/27/2025<br>| Resolved-Received supporting documentation of AIR Compliance. - Due Diligence Vendor-08/27/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 680<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%. |  | appraisal order.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 32684480 | XXX | XXX C A | Closed | FVAL9739 | 2025-08-21 12:06 | 2025-08-26 10:28 | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-Received supporting documentation of AIR Compliance. - Due Diligence Vendor-08/26/2025 <br> Ready for Review-Document Uploaded. See attached. - Seller-08/26/2025 <br> Open-Missing documentation to support appraisal order meets AIR compliance. Appraisal completed for XXX reflects "No AMC" and payment was made directly to appraiser - Due Diligence Vendor-08/21/2025 | Ready for Review-Document Uploaded. See attached. - Seller-08/26/2025<br>| Resolved-Received supporting documentation of AIR Compliance. - Due Diligence Vendor-08/26/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | Appraisal Order POD.PDF | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 37957840 | XXX | XXX B A | Closed | FCOM1329 | 2025-08-26 11:10 | 2025-08-27 19:00 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Anti-Steering Disclosure | Resolved-Received Anti-Steering Disclosure. - Due Diligence Vendor-08/27/2025 <br>Ready for Review-Document Uploaded. - Seller-08/27/2025 <br>Open-Missing Anti-Steering Disclosure - Due Diligence Vendor-08/26/2025 | Ready for Review-Document Uploaded. - Seller-08/27/2025<br>| Resolved-Received Anti-Steering Disclosure. - Due Diligence Vendor-08/27/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | D22-Anti Steering XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 35967612 | XXX | XXX C A | Closed | FCRE1437 | 2025-09-10 21:55 | 2025-09-17 16:47 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Lender commentary received - Child support is non-taxable and eligible at $XXX award amount. Lender grossed up 125% to $XXX. - Due Diligence Vendor-09/17/2025 <br> Ready for Review-1) Child is special needs and will never be emancipated. He will not be able to ever take care of himself. The decree references that "adult child support" will be ongoing<br> 2) Current support is $XXX per month. This is non-taxable and can be grossed up 25% >>> Total would be $XXX/mo - Seller-09/17/2025 <br> Open-Income and Employment Do Not Meet Guidelines Missing documentation to support child support earnings of $XXX as reflected on the final URLA. Divorce decree in file shows date of birth for child of XXX making the child XXX years of age. Divorce decree only shows payments until child is emancipated. Additionally, LOE between borrower and former spouse shows support lowered from original $XXX to $XXX. Unable to support amount used to qualify. Subject to re-calculation of debt ratio upon receipt. - Due Diligence Vendor-09/11/2025 | Ready for Review-1) Child is special needs and will never be emancipated. He will not be able to ever take care of himself. The decree references that "adult child support" will be ongoing<br> 2) Current support is $XXX per month. This is non-taxable and can be grossed up 25% >>> Total would be $XXX/mo<br> - Seller-09/17/2025 | Resolved-Lender commentary received - Child support is non-taxable and eligible at $XXX award amount. Lender grossed up 125% to $XXX. - Due Diligence Vendor-09/17/2025 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 680 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 31234343 | XXX | XXX D A | Closed | FCOM1231 | 2025-09-05 10:49 | 2025-09-12 08:48 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Received Initial 1003. - Due Diligence Vendor-09/12/2025 <br>Ready for Review-Document Uploaded. - Seller-09/12/2025 <br>Open-The Initial 1003 is Missing - Due Diligence Vendor-09/05/2025 | Ready for Review-Document Uploaded. - Seller-09/12/2025<br>| Resolved-Received Initial 1003. - Due Diligence Vendor-09/12/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720. |  | 1003.pdf | ATR/QM: Exempt | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 30353069 | XXX | XXX D A | Closed | FCRE5782 | 2025-09-16 13:49 | 2025-09-17 15:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received gap credit report reflecting no new debt or inquiries. - Due Diligence Vendor-09/17/2025 <br> Ready for Review-Document Uploaded. - Seller-09/17/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Missing Gap report which is required if Note date is greater than 30 days after the date of the original credit report of XXX. - Due Diligence Vendor-09/17/2025 | Ready for Review-Document Uploaded. - Seller-09/17/2025<br>| Resolved-Received gap credit report reflecting no new debt or inquiries. - Due Diligence Vendor-09/17/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | Credit Report refresh.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 38063307 | XXX | XXX D A | Closed | FCRE7497 | 2025-07-08 14:47 | 2025-07-14 15:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received mortgage statement reflecting account is escrowed. - Due Diligence Vendor-07/14/2025 <br> Ready for Review-Document Uploaded. - Seller-07/14/2025 <br> Open-Missing verification of insurance for non-subject property "XXX" - Due Diligence Vendor-07/08/2025 | Ready for Review-Document Uploaded. - Seller-07/14/2025<br>| Resolved-Received mortgage statement reflecting account is escrowed. - Due Diligence Vendor-07/14/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50% |  | MORTGAGE STATEMENT-ESCROWED TAX & INSURANCE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 30752030 | XXX | XXX D A | Closed | FCRE1964 | 2025-06-18 14:32 | 2025-07-02 16:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved-Income clarification received-cleared. - Due Diligence Vendor-07/02/2025 <br> Counter-Received Lender LOX and Income Calculation Worksheet, however P&L provided does not support Lenders calculated value. - Due Diligence Vendor-06/26/2025 <br> Ready for Review-Document Uploaded. - Seller-06/25/2025 <br> Open-Minimum expense ratio of XXX% for a product-based business (food services) is not met. P&L provided for XXX thru XXX reflects operating expenses of $XXX vs gross profit $XXX(after cost of goods sold) = XXX% expense ratio. Missing evidence qualifying earnings based on minimum XXX% expense factor. Subject to re-calculation of DTI upon receipt. - Due Diligence Vendor-06/18/2025 | Ready for Review-Document Uploaded. - Seller-06/25/2025<br>| Resolved-Income clarification received-cleared. - Due Diligence Vendor-07/02/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720.<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum LTV per guidelines 70%.<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%. |  | CPA Letter.pdf<br>INCOME CALCULATION WORKSHEET- B (14).pdf<br>UW response.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 30752030 | XXX | XXX D A | Closed | FCRE6763 | 2025-06-13 14:59 | 2025-07-01 17:12 | Resolved | 1 - Information C A | Credit | Income/Employment | Income documentation does not meet guidelines | Resolved-Received CPA Letter reflecting two-year ownership history. - Due Diligence Vendor-07/01/2025 <br> Counter-Received same documentation already included in the loan file, which is insufficient to clear the condition as documentation provided does not evidence the borrower's ownership in the business for the last two years. Still missing copy of borrowers XXX, LLC business license covering prior two-year period. - Due Diligence Vendor-06/26/2025 <br> Ready for Review-Document Uploaded. - Seller-06/25/2025 <br> Open-Missing copy of borrowers XXX, LLC business license covering prior two-year period. - Due Diligence Vendor-06/13/2025 | Ready for Review-Document Uploaded. - Seller-06/25/2025<br>| Resolved-Received CPA Letter reflecting two-year ownership history. - Due Diligence Vendor-07/01/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720.<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum LTV per guidelines 70%.<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%. |  | BUSINESS SEARCH- LICENSE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 30752030 | XXX | XXX D A | Closed | FCOM8805 | 2025-06-13 15:44 | 2025-06-26 09:47 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Borrower Authorization | Resolved-Received borrower authorization. - Due Diligence Vendor-06/26/2025 <br> Ready for Review-Document Uploaded. - Seller-06/25/2025 <br> Open-Credit report dated XXX pulled by XXX is dated prior to the borrower's authorization dated XXX. Missing documentation to support borrower's authorization to pull credit pulled on XXX - Due Diligence Vendor-06/13/2025 | Ready for Review-Document Uploaded. - Seller-06/25/2025<br>| Resolved-Received borrower authorization. - Due Diligence Vendor-06/26/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720.<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum LTV per guidelines 70%.<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%. |  | Borrowers Authorization.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 37714543 | XXX | XXX D A | Closed | FCOM8807 | 2025-06-12 10:53 | 2025-06-19 16:39 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Appraisal Acknowledgement | Resolved-Received Certified Secure Electronic Delivery of Appraisal/Valuation Report. - Due Diligence Vendor-06/19/2025 <br>Ready for Review-Document Uploaded. - Seller-06/19/2025 <br>Open-Missing Appraisal Acknowledgement Disclosure from the file. - Due Diligence Vendor-06/12/2025 | Ready for Review-Document Uploaded. - Seller-06/19/2025<br>| Resolved-Received Certified Secure Electronic Delivery of Appraisal/Valuation Report. - Due Diligence Vendor-06/19/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | XXXCert-XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 37714543 | XXX | XXX D A | Closed | FCRE6546 | 2025-06-17 11:40 | 2025-06-19 15:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-Received supporting documentation for new 2nd lien with XXX for property located at XXX. - Due Diligence Vendor-06/19/2025 <br> Ready for Review-Document Uploaded. - Seller-06/19/2025 <br> Open-Missing documentation for new 2nd lien with XXX for property located at XXX Cannot determine DTI is calculated correctly without information to support monthly payment. - Due Diligence Vendor-06/17/2025 | Ready for Review-Document Uploaded. - Seller-06/19/2025<br>| Resolved-Received supporting documentation for new 2nd lien with XXX for property located at XXX. - Due Diligence Vendor-06/19/2025 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | PITI - XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 37714543 | XXX | XXX D A | Closed | FCOM8805 | 2025-06-13 13:42 | 2025-06-19 15:25 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Borrower Authorization | Resolved-Received borrower authorization. - Due Diligence Vendor-06/19/2025 <br> Ready for Review-Document Uploaded. - Seller-06/19/2025 <br> Open-Credit report dated XXX pulled by XXX Inc is dated prior to the borrower's authorization dated XXX. Missing documentation to support borrower's authorization to pull credit pulled on XXX. - Due Diligence Vendor-06/13/2025 | Ready for Review-Document Uploaded. - Seller-06/19/2025<br>| Resolved-Received borrower authorization. - Due Diligence Vendor-06/19/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | Borrower Auth_XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 39966330 | XXX | XXX D A | Closed | FCRE6546 | 2025-06-17 12:18 | 2025-06-19 15:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-Received supporting documentation for new 2nd lien with XXX for property located at XXX. - Due Diligence Vendor-06/19/2025 <br> Ready for Review-Document Uploaded. - Seller-06/19/2025 <br> Open-Missing documentation for new 2nd lien with XXX for property located at XXX. Cannot determine DTI is calculated correctly without information to support monthly payment. - Due Diligence Vendor-06/17/2025 | Ready for Review-Document Uploaded. - Seller-06/19/2025<br>| Resolved-Received supporting documentation for new 2nd lien with XXX for property located at XXX. - Due Diligence Vendor-06/19/2025 | LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | PITI- XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 39966330 | XXX | XXX D A | Closed | FCOM8805 | 2025-06-16 13:18 | 2025-06-19 15:44 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Borrower Authorization | Resolved-Received borrower authorization. - Due Diligence Vendor-06/19/2025 <br> Ready for Review-Document Uploaded. - Seller-06/19/2025 <br> Open-Credit report dated XXX pulled by XXX is dated prior to the borrower's authorization dated XXX. Missing documentation to support borrower's authorization to pull credit pulled on XXX - Due Diligence Vendor-06/16/2025 | Ready for Review-Document Uploaded. - Seller-06/19/2025<br>| Resolved-Received borrower authorization. - Due Diligence Vendor-06/19/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | Borrower Auth_XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 39233898 | XXX | XXX D A | Closed | FCRE1158 | 2025-07-10 14:25 | 2025-07-16 13:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Received HOI policy reflecting 2nd Mortgagee. - Due Diligence Vendor-07/16/2025 <br> Ready for Review-Document Uploaded. - Seller-07/16/2025 <br> Open-Missing Hazard insurance with 2nd lien mortgagee with XXX. - Due Diligence Vendor-07/15/2025 <br> Open-Hazard Insurance Policy Partially Provided - Due Diligence Vendor-07/10/2025 | Ready for Review-Document Uploaded. - Seller-07/16/2025<br>| Resolved-Received HOI policy reflecting 2nd Mortgagee. - Due Diligence Vendor-07/16/2025<br>|  |  | EOI_XXX_XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 39233898 | XXX | XXX D A | Closed | FCRE1148 | 2025-07-10 16:53 | 2025-07-16 13:30 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received title supplement reflecting correct loan amount coverage. - Due Diligence Vendor-07/16/2025 <br> Ready for Review-Document Uploaded. - Seller-07/16/2025 <br> Open-Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien(s) of $XXX Title Coverage Amount of $XXX is insufficient to cover loan amount of $XXX. Missing title supplement report with loan amount of $XXX. - Due Diligence Vendor-07/14/2025 | Ready for Review-Document Uploaded. - Seller-07/16/2025<br>| Resolved-Received title supplement reflecting correct loan amount coverage. - Due Diligence Vendor-07/16/2025<br>|  |  | Title Supp_Proposed Insured_XXX_XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 39233898 | XXX | XXX D A | Closed | FCRE1676 | 2025-07-15 14:26 | 2025-07-16 13:29 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Credit General | Resolved-Received borrower letter for cash out. - Due Diligence Vendor-07/16/2025 <br>Ready for Review-Document Uploaded. - Seller-07/16/2025 <br>Open-Missing cash out letter of explanation. - Due Diligence Vendor-07/15/2025 | Ready for Review-Document Uploaded. - Seller-07/16/2025<br>| Resolved-Received borrower letter for cash out. - Due Diligence Vendor-07/16/2025<br>|  |  | LOE_Cashout letter_XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 36570192 | XXX | XXX D A | Closed | FCOM8807 | 2025-09-10 10:44 | 2025-09-15 08:55 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Appraisal Acknowledgement | Resolved-Received Certified Secure Electronic Delivery of Appraisal/Valuation Report. - Due Diligence Vendor-09/15/2025 <br>Ready for Review-Document Uploaded. - Seller-09/12/2025 <br>Open-Missing Appraisal Acknowledgement from the file. - Due Diligence Vendor-09/10/2025 | Ready for Review-Document Uploaded. - Seller-09/12/2025<br>| Resolved-Received Certified Secure Electronic Delivery of Appraisal/Valuation Report. - Due Diligence Vendor-09/15/2025<br>|  |  | XXX_XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 30094919 | XXX | XXX B A | Closed | FCRE7871 | 2025-06-20 17:20 | 2025-06-26 18:29 | Resolved | 1 - Information B A | Credit | Data | Final 1008 Loan Amount Variance | Resolved-Received revised 1008 reflecting correct Loan Amount and Rate. - Due Diligence Vendor-06/26/2025 <br> Ready for Review-Document Uploaded. - Seller-06/26/2025 <br> Open-As per note Loan amount $XXX and Interest rate 11.750% however 1008 reflects Loan Amount $XXX and interest rate 10.500%, need updated 1008 with correct loan amount and interest rate. - Due Diligence Vendor-06/20/2025 | Ready for Review-Document Uploaded. - Seller-06/26/2025<br>| Resolved-Received revised 1008 reflecting correct Loan Amount and Rate. - Due Diligence Vendor-06/26/2025<br>| LTV is less than guideline maximum - XXX% LTV is XXX% less than maximum LTV per guidelines 90.00%<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50% |  | 1008.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 37416756 | XXX | XXX D A | Closed | FCRE1148 | 2025-07-10 09:42 | 2025-07-22 09:31 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received final title policy reflecting sufficient title coverage and mortgagee. - Due Diligence Vendor-07/22/2025 <br> Ready for Review-Document Uploaded. - Seller-07/21/2025 <br> Open-Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien(s) of $XXX Missing Title Supplemental Report reflecting loan amount coverage and mortgagee. - Due Diligence Vendor-07/11/2025 | Ready for Review-Document Uploaded. - Seller-07/21/2025<br>| Resolved-Received final title policy reflecting sufficient title coverage and mortgagee. - Due Diligence Vendor-07/22/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80% |  | TITLE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 37416756 | XXX | XXX D A | Closed | FCOM8807 | 2025-07-10 10:52 | 2025-07-18 13:12 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Appraisal Acknowledgement | Resolved-Received Certified Secure Electronic Delivery of Appraisal/Valuation Report. - Due Diligence Vendor-07/18/2025 <br>Ready for Review-Document Uploaded. - Seller-07/18/2025 <br>Open-Missing Appraisal Acknowledgement from the file. - Due Diligence Vendor-07/10/2025 | Ready for Review-Document Uploaded. - Seller-07/18/2025<br>| Resolved-Received Certified Secure Electronic Delivery of Appraisal/Valuation Report. - Due Diligence Vendor-07/18/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80% |  | XXXCert-XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 37416756 | XXX | XXX D A | Closed | FCRE1335 | 2025-07-11 10:21 | 2025-07-18 12:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Resolved-Received W2 transcripts for 2023-2024 tax year. - Due Diligence Vendor-07/18/2025 <br>Ready for Review-Document Uploaded. - Seller-07/18/2025 <br>Open-Borrower 1 IRS Transcripts Missing Missing W2 Transcripts per guidelines. - Due Diligence Vendor-07/11/2025 | Ready for Review-Document Uploaded. - Seller-07/18/2025<br>| Resolved-Received W2 transcripts for 2023-2024 tax year. - Due Diligence Vendor-07/18/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80% |  | XXX W-2 ONLY TRANSCRIPTS.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 37416756 | XXX | XXX D A | Closed | FCRE1159 | 2025-07-10 09:38 | 2025-07-18 12:33 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Received current HOI policy. - Due Diligence Vendor-07/18/2025 <br> Ready for Review-Document Uploaded. - Seller-07/18/2025 <br> Open-Hazard Insurance Effective Date of XXX is after the Note Date of XXX Missing current HOI Policy. Policy submitted is renewal policy which is effective XXX. - Due Diligence Vendor-07/11/2025 | Ready for Review-Document Uploaded. - Seller-07/18/2025<br>| Resolved-Received current HOI policy. - Due Diligence Vendor-07/18/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80% |  | HAZARD INSURANCE - CURRENT.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 33147501 | XXX | XXX D A | Closed | FCOM8807 | 2025-08-11 13:23 | 2025-08-13 10:23 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Appraisal Acknowledgement | Resolved-Received Certified Secure Electronic Delivery of Appraisal/Valuation Report. - Due Diligence Vendor-08/13/2025 <br>Ready for Review-Document Uploaded. - Seller-08/13/2025 <br>Open- - Due Diligence Vendor-08/11/2025 | Ready for Review-Document Uploaded. - Seller-08/13/2025<br>| Resolved-Received Certified Secure Electronic Delivery of Appraisal/Valuation Report. - Due Diligence Vendor-08/13/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 660<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 75% |  | XXX_CERTIFIED SECURE XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 33326800 | XXX | XXX C A | Closed | FCRE1193 | 2025-08-13 13:33 | 2025-09-11 17:10 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Lender provided additional documentation verifying annual hazard has decreased, resulting in decrease of Senior Lien PITI. - Due Diligence Vendor-09/11/2025 <br> Resolved-Audited DTI of XXX% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-09/11/2025 <br> Ready for Review-Document Uploaded. Hazard insurance was paid outside of closing. Please see attached. - Seller-09/10/2025 <br> Counter-Received lender commentary, however, unable to clear condition. The payment from the Mortgage Statement would need to be included in qualifying unless the current servicer has changed the full monthly payment. Supporting documentation would need to be required. - Due Diligence Vendor-08/19/2025 <br> Ready for Review-Document Uploaded. - Seller-08/19/2025 <br> Counter-Received lender LOX, however insufficient to clear condition. The payment from the Mortgage Statement would need to be included in qualifying unless supporting documentation is submitted reflecting the monthly payment with the lender was lowered. - Due Diligence Vendor-08/15/2025 <br> Ready for Review-Document Uploaded. - Seller-08/15/2025 <br> Open-Audited DTI of XXX% exceeds Guideline DTI of 50% Due to inaccurate 1st Lien monthly mortgage payment used for qualifying. Monthly Mortgage Payment per Mortgage Statement and Credit Report provided is $XXX this is inclusive of escrows. The lender used $XXX as qualifying payment, this includes principal and interest from mortgage statement and hazard insurance and property taxes from source documents. The payment from the Mortgage Statement would need to be included in qualifying unless supporting documentation is submitted the monthly payment with the lender was lowered. - Due Diligence Vendor-08/14/2025 | Ready for Review-Document Uploaded. Hazard insurance was paid outside of closing. Please see attached. - Seller-09/10/2025 <br>Ready for Review-Document Uploaded. - Seller-08/19/2025 <br>Ready for Review-Document Uploaded. - Seller-08/15/2025<br>| Resolved-Lender provided additional documentation verifying annual hazard has decreased, resulting in decrease of Senior Lien PITI. - Due Diligence Vendor-09/11/2025 <br> Resolved-Audited DTI of XXX% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-09/11/2025 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90% |  | XXX_UW RESPONSE.2.pdf<br> XXX_LOE REBUTTAL RESPONSE UW.pdf<br> Final Buyer's Closing Statement - subject.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 36296618 | XXX | XXX D A | Closed | FCRE7497 | 2025-08-27 15:11 | 2025-09-02 22:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received confirmation from lender using 2024 1040 schedule "E" for HOA expenses. - Due Diligence Vendor-09/03/2025 <br> Ready for Review-Document Uploaded. - Seller-09/02/2025 <br> Counter-Received Rental analysis and 1008. Still missing HOA fees for non-subject properties: 1. XXX (Missing HOA as reflected on the current Sch. E); 2. XXX. - Due Diligence Vendor-08/29/2025 <br> Ready for Review-Document Uploaded. - Seller-08/29/2025 <br> Open-Missing verification of HOA fees for non-subject properties: 1. XXX (Missing HOA as reflected on the current Sch. E); 2. XXX (Missing HOA as reflected on the current Sch. E) Subject to re-calculation of DTI upon receipt. - Due Diligence Vendor-08/27/2025 | Ready for Review-Document Uploaded. - Seller-09/02/2025 <br>Ready for Review-Document Uploaded. - Seller-08/29/2025<br>| Resolved-Received confirmation from lender using 2024 1040 schedule "E" for HOA expenses. - Due Diligence Vendor-09/03/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90%<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50% |  | XXX_TRANSMITTAL SUMMARY 1008.pdf<br> XXX_RENTAL INCOME ANALYSIS.pdf<br> XXX_UW RESPONSE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 36296618 | XXX | XXX D A | Closed | FCOM8807 | 2025-08-25 14:18 | 2025-08-28 13:24 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Appraisal Acknowledgement | Resolved-Received Certified Secure Electronic Delivery of Appraisal/Valuation Report. - Due Diligence Vendor-08/28/2025 <br>Ready for Review-Document Uploaded. - Seller-08/28/2025 <br>Open-Missing Appraisal Acknowledgement<br> - Due Diligence Vendor-08/25/2025 | Ready for Review-Document Uploaded. - Seller-08/28/2025<br>| Resolved-Received Certified Secure Electronic Delivery of Appraisal/Valuation Report. - Due Diligence Vendor-08/28/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90%<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50% |  | XXX_XXX APPRAISAL ACKNOWLEDGMENT.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 31748869 | XXX | XXX C A | Closed | FVAL9739 | 2025-08-21 13:44 | 2025-09-03 17:46 | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-Received transfer of appraisal letter reflecting borrower name. - Due Diligence Vendor-09/03/2025 <br> Ready for Review-Document Uploaded. - Seller-09/03/2025 <br> Counter-Received appraisal transfer letter, however the borrower reflected on the letter is not the borrower on the loan or appraisal. - Due Diligence Vendor-08/22/2025 <br> Ready for Review-Document Uploaded. - Seller-08/22/2025 <br> Open-Missing appraisal Transfer letter from XXX to XXX. - Due Diligence Vendor-08/21/2025 | Ready for Review-Document Uploaded. - Seller-09/03/2025 <br>Ready for Review-Document Uploaded. - Seller-08/22/2025<br>| Resolved-Received transfer of appraisal letter reflecting borrower name. - Due Diligence Vendor-09/03/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 85% |  | XXX_APPRAISAL TRANSFER.pdf<br> XXX_APPRAISAL TRANSFER LETTER.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 31748869 | XXX | XXX C A | Closed | FCRE1254 | 2025-08-22 09:15 | 2025-08-27 11:32 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received supporting documentation UCC lien on title with XXX is one in the same as XXX solar. - Due Diligence Vendor-08/27/2025 <br> Ready for Review-Document Uploaded. - Seller-08/27/2025 <br> Open-Missing evidence that the UCC lien on title with XXX is one in the same as XXX solar. - Due Diligence Vendor-08/22/2025 | Ready for Review-Document Uploaded. - Seller-08/27/2025<br>| Resolved-Received supporting documentation UCC lien on title with XXX is one in the same as XXX solar. - Due Diligence Vendor-08/27/2025 | Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 85% |  | XXX_XXX Financial check.pdf<br> XXX_UCC Amendment XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 36536688 | XXX | XXX D A | Closed | FCRE9568 | 2025-08-22 21:02 | 2025-08-29 14:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Flood Insurance Policy | Resolved-Received renewal flood policy. - Due Diligence Vendor-08/29/2025 <br> Ready for Review-Document Uploaded. - Seller-08/29/2025 <br> Open-Losed closed on XXX, Flood insurance policy expires XXX. Per email from lender proof of renewal was required after closing. Missing evidence of Food policy renewal. - Due Diligence Vendor-08/23/2025 | Ready for Review-Document Uploaded. - Seller-08/29/2025<br>| Resolved-Received renewal flood policy. - Due Diligence Vendor-08/29/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% LTV is XXX% less than maximum LTV per guidelines 85%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | XXX_Flood Policy.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A |
| XXX | 36536688 | XXX | XXX D A | Closed | FCRE1166 | 2025-08-21 09:34 | 2025-08-25 15:13 | Resolved | 1 - Information A | Credit | Insurance | Hazard Insurance Coverage is less than all Subject Lien(s) | Resolved-Received supporting documentation. - Due Diligence Vendor-08/25/2025 <br> Ready for Review-Document Uploaded. - Seller-08/25/2025 <br> Open-Hazard Insurance Coverage Amount of $XXX is less than Total Amount of Subject Lien(s) of $XXX Missing an active hazard insurance policy, reflecting the policy number and providing sufficient coverage for the total combined liens of $XXX. Or a statement from the insurance company stating the maximum value they will insure. Additional conditions may apply upon receipt. - Due Diligence Vendor-08/22/2025 | Ready for Review-Document Uploaded. - Seller-08/25/2025<br>| Resolved-Received supporting documentation. - Due Diligence Vendor-08/25/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% LTV is XXX% less than maximum LTV per guidelines 85%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | XXX_REPLACEMENT COST ESTIMATE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A |
| XXX | 31092592 | XXX | XXX D A C | Closed | FCRE4805 | 2025-05-30 14:02 | 2025-07-01 17:02 | Resolved | 1 - Information C A | Credit | Eligibility | Trust/POA Does Not Meet Guideline Requirements | Resolved-Received title confirmation provided trust cert is 2 pages and approved. - Due Diligence Vendor-07/01/2025 <br> Ready for Review-Document Uploaded. - Seller-07/01/2025 <br> Counter-Received same trust certification already included in loan file which is insufficient there are a total of 3 pages - Only pages 1 and 3 were provided. Still missing page 2 of the Trust Certification. - Due Diligence Vendor-06/25/2025 <br> Ready for Review-Document Uploaded. - Seller-06/25/2025 <br> Counter-Received email confirmation of title company approval, however missing page 2 of Trust Certification. - Due Diligence Vendor-06/24/2025 <br> Ready for Review-Document Uploaded. - Seller-06/24/2025 <br> Open-Trust/POA Does Not Meet Guideline Requirements Missing copy of the fully executed Trust Certificate reviewed and approved by the title company. Additional conditions may apply upon receipt. - Due Diligence Vendor-06/07/2025 | Ready for Review-Document Uploaded. - Seller-07/01/2025 <br>Ready for Review-Document Uploaded. - Seller-06/25/2025 <br>Ready for Review-Document Uploaded. - Seller-06/24/2025<br>| Resolved-Received title confirmation provided trust cert is 2 pages and approved. - Due Diligence Vendor-07/01/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum LTV per guidelines 90% |  | EMAIL FROM TITLE.pdf<br>TRUST CERTIFICATION.pdf<br>EMAIL FROM TITLE RE TRUST CERT.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 31092592 | XXX | XXX D A C | Closed | FCRE1148 | 2025-05-30 14:24 | 2025-06-27 15:05 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received final title policy reflecting Loan Amount and Mortgagee. - Due Diligence Vendor-06/27/2025 <br> Ready for Review-Document Uploaded. - Seller-06/27/2025 <br> Open-Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien(s) of $XXX Missing Insured lender and insured loan amount on title policy. - Due Diligence Vendor-06/03/2025 | Ready for Review-Document Uploaded. - Seller-06/27/2025<br>| Resolved-Received final title policy reflecting Loan Amount and Mortgagee. - Due Diligence Vendor-06/27/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum LTV per guidelines 90% |  | Lender's Policy.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 31092592 | XXX | XXX D A C | Closed | FCOM5814 | 2025-05-30 17:03 | 2025-06-16 16:41 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Closing Disclosure Deficiency | Resolved-Received Post Consummation Closing Disclosure Issued XXX inclusive of Page 3. - Due Diligence Vendor-06/16/2025 <br> Ready for Review-Document Uploaded. - Seller-06/16/2025 <br> Counter-Received Closing Disclosure Issued XXX for Loan ID XXX. Need Post Consummation Closing Disclosure Issued XXX inclusive of all pages, including Page 3, for Loan ID XXX. - Due Diligence Vendor-06/13/2025 <br> Ready for Review-Document Uploaded. - Seller-06/13/2025 <br> Open-Post Consummation Closing Disclosure in file Issued XXX is missing Page 3. - Due Diligence Vendor-05/30/2025 | Ready for Review-Document Uploaded. - Seller-06/16/2025 <br>Ready for Review-Document Uploaded. - Seller-06/13/2025<br>| Resolved-Received Post Consummation Closing Disclosure Issued XXX inclusive of Page 3. - Due Diligence Vendor-06/16/2025 | LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum LTV per guidelines 90% |  | CLOSING DISCLOSURE (POST CONSUMMATION).pdf<br> CLOSING DISCLOSURE XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 31092592 | XXX | XXX D A C | Closed | FCOM8807 | 2025-05-30 15:21 | 2025-06-13 11:40 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Appraisal Acknowledgement | Resolved-Received Certified Secure Electronic Delivery of Appraisal/Valuation Report. - Due Diligence Vendor-06/13/2025 <br>Ready for Review-Document Uploaded. - Seller-06/13/2025 <br>Open- - Due Diligence Vendor-05/30/2025 | Ready for Review-Document Uploaded. - Seller-06/13/2025<br>| Resolved-Received Certified Secure Electronic Delivery of Appraisal/Valuation Report. - Due Diligence Vendor-06/13/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum LTV per guidelines 90% |  | XXXCert-XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 35449563 | XXX | XXX C A | Closed | FCRE6854 | 2025-06-02 13:11 | 2025-06-03 15:49 | Resolved | 1 - Information C A | Credit | Title | Title reports unpaid liens | Resolved-Received recorded affidavit and email confirmation from title, judgements are not the borrowers. - Due Diligence Vendor-06/03/2025 <br> Ready for Review-Document Uploaded. - Seller-06/03/2025 <br> Open-Missing confirmation to support Item number 7 Judgment recorded in Instrument No. XXX on Schedule B Part 1 has been released and addressed from the final title Policy. - Due Diligence Vendor-06/02/2025 | Ready for Review-Document Uploaded. - Seller-06/03/2025<br>| Resolved-Received recorded affidavit and email confirmation from title, judgements are not the borrowers. - Due Diligence Vendor-06/03/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700.<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90% |  | Aff-XXX - recorded.pdf<br> EMAIL FROM TITLE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 35449563 | XXX | XXX C A | Closed | FCRE6873 | 2025-05-30 20:51 | 2025-06-03 15:48 | Resolved | 1 - Information C A | Credit | Borrower | Fraud alert is present on the credit report | Resolved-Received Lender Fraud Certification. - Due Diligence Vendor-06/03/2025 <br>Ready for Review-Document Uploaded. - Seller-06/03/2025 <br>Open-Credit report reflects an extended Fraud Alert for both borrowers. Missing confirmation borrower applied for credit. - Due Diligence Vendor-05/31/2025 | Ready for Review-Document Uploaded. - Seller-06/03/2025<br>| Resolved-Received Lender Fraud Certification. - Due Diligence Vendor-06/03/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700.<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90% |  | FRAUD ALERT (PROCESSOR CERT).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 31923775 | XXX | XXX D A | Closed | FCRE1676 | 2025-06-17 21:44 | 2025-07-01 14:09 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Credit General | Resolved-Received HELOC close out letter authorization. - Due Diligence Vendor-07/01/2025 <br> Ready for Review-Document Uploaded. - Seller-07/01/2025 <br> Counter-Received payoff statement, however still missing HELOC close out letter for XXX xxXXX. - Due Diligence Vendor-06/24/2025 <br> Ready for Review-Document Uploaded. - Seller-06/24/2025 <br> Open-Missing copy of payoff statement and HELOC closure for XXX xxXXX to support payoff of $XXX reflected on post consumption closing disclosure. - Due Diligence Vendor-06/18/2025 | Ready for Review-Document Uploaded. - Seller-07/01/2025 <br>Ready for Review-Document Uploaded. - Seller-06/24/2025<br>| Resolved-Received HELOC close out letter authorization. - Due Diligence Vendor-07/01/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | PAYOFF DEMAND.pdf<br> UW RESPONSE.pdf<br> Technology credit-XXX XXX.pdf<br> Equity Line.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | 31923775 | XXX | XXX D A | Closed | FCRE1148 | 2025-06-16 16:42 | 2025-07-01 14:08 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received title supplement reflecting title coverage and Mortgagee. - Due Diligence Vendor-07/01/2025 <br> Ready for Review-Document Uploaded. - Seller-07/01/2025 <br> Counter-Received title supplement reflecting loan amount coverage, however missing Mortgagee. - Due Diligence Vendor-06/30/2025 <br> Ready for Review-Document Uploaded. - Seller-06/27/2025 <br> Open-Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien(s) of $XXX Missing title supplement reflecting insured lender name and loan amount. - Due Diligence Vendor-06/18/2025 | Ready for Review-Document Uploaded. - Seller-07/01/2025 <br>Ready for Review-Document Uploaded. - Seller-06/27/2025<br>| Resolved-Received title supplement reflecting title coverage and Mortgagee. - Due Diligence Vendor-07/01/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | Supplemental Report - Coverage Amount.pdf<br>Supplemental Report - Coverage Amount and Proposed Insured.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | 31923775 | XXX | XXX D A | Closed | FCRE1333 | 2025-06-17 21:31 | 2025-06-30 16:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 WVOE Missing | Resolved-Received borrower explanation for gap in employment. - Due Diligence Vendor-06/30/2025 <br> Ready for Review-Document Uploaded. - Seller-06/27/2025 <br> Counter-Received previous VOE with XXX, however end date was XXX, however Start Date with XXX began XXX. Missing explanation for job gap. - Due Diligence Vendor-06/24/2025 <br> Ready for Review-Document Uploaded. - Seller-06/24/2025 <br> Open-Borrower 1 WVOE Missing Missing VOE from borrowers prior employment with XXX to complete full prior two year employment history. URLA shows employment dates from XXX to XXX. Borrower's current job with XXX began XXX. - Due Diligence Vendor-06/18/2025 | Ready for Review-Document Uploaded. - Seller-06/27/2025 <br>Ready for Review-Document Uploaded. - Seller-06/24/2025<br>| Resolved-Received borrower explanation for gap in employment. - Due Diligence Vendor-06/30/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | QC- XXX.pdf<br> LOE- EMPLOYMENT GAP.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | 31923775 | XXX | XXX D A | Closed | FCRE1254 | 2025-06-17 21:12 | 2025-06-30 10:46 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received UCC Termination for title item #11. - Due Diligence Vendor-06/30/2025 <br> Ready for Review-Document Uploaded. - Seller-06/27/2025 <br> Open-Property Title Issue Missing documentation to support title item #11 (UCC Lien XXX dated XXX) will be removed from final title policy. - Due Diligence Vendor-06/18/2025 | Ready for Review-Document Uploaded. - Seller-06/27/2025<br>| Resolved-Received UCC Termination for title item #11. - Due Diligence Vendor-06/30/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | Release (fcla-XXX).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | 31923775 | XXX | XXX D A | Closed | FCRE1204 | 2025-06-16 16:37 | 2025-06-24 18:25 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received cleared fraud report and Lender LOX for clearance of high alert. - Due Diligence Vendor-06/24/2025 <br>Ready for Review-Document Uploaded. - Seller-06/24/2025 <br>Open-Fraud Report Shows Uncleared Alerts Missing documentation to support lender address open high impact alert items. - Due Diligence Vendor-06/18/2025 | Ready for Review-Document Uploaded. - Seller-06/24/2025<br>| Resolved-Received cleared fraud report and Lender LOX for clearance of high alert. - Due Diligence Vendor-06/24/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | UW RESPONSE.pdf<br> XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | 31923775 | XXX | XXX D A | Closed | FCOM8807 | 2025-06-13 10:46 | 2025-06-24 17:47 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Appraisal Acknowledgement | Resolved-Received Certified Secure Electronic Delivery of Appraisal/Valuation Report. - Due Diligence Vendor-06/24/2025 <br>Ready for Review-Document Uploaded. - Seller-06/24/2025 <br>Open-Missing Appraisal Acknowledgement Disclosure from the file. - Due Diligence Vendor-06/13/2025 | Ready for Review-Document Uploaded. - Seller-06/24/2025<br>| Resolved-Received Certified Secure Electronic Delivery of Appraisal/Valuation Report. - Due Diligence Vendor-06/24/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | XXXCert-XXX-XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | 34103949 | XXX | XXX D A | Closed | FCRE6019 | 2025-06-07 11:41 | 2025-06-16 16:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received initialed Final URLA and Patriot Act documentation supporting Citizenship. - Due Diligence Vendor-06/16/2025 <br>Open-Missing copy of the front and back of borrowers unexpired permanent resident card. - Due Diligence Vendor-06/07/2025 |  | Resolved-Received initialed Final URLA and Patriot Act documentation supporting Citizenship. - Due Diligence Vendor-06/16/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80%<br> Qualifying DTI below max allowed. - XXX calculated DTI is XXX percent below the maximum DTI per guidelines of 50 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 33958729 | XXX | XXX C A | Closed | FCRE7375 | 2025-07-01 18:21 | 2025-07-03 16:03 | Resolved | 1 - Information C A | Credit | Borrower | Citizenship Does Not Meet Guideline Requirements | Resolved-Received supporting Visa documentation. - Due Diligence Vendor-07/03/2025 <br>Ready for Review-Document Uploaded. - Seller-07/02/2025 <br>Open-Missing documentation of Borrower's legal status in the United States. The Borrower is a foreign national and has a EIN number issued for work purposes only, however the loan file is missing a visa with expiration documentation. - Due Diligence Vendor-07/01/2025 | Ready for Review-Document Uploaded. - Seller-07/02/2025<br>| Resolved-Received supporting Visa documentation. - Due Diligence Vendor-07/03/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50% |  | XXX_Visa Approval Notice.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 33958729 | XXX | XXX C A | Closed | FCRE1168 | 2025-07-01 09:42 | 2025-07-02 17:38 | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s) and Replacement Cost Value Provided | Resolved-Received RCE reflecting sufficient coverage. - Due Diligence Vendor-07/02/2025 <br> Ready for Review-Document Uploaded. - Seller-07/02/2025 <br> Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage Amount of $XXX is less than all Subject Lien(s) and/or Replacement Cost Estimator is provided but Hazard Insurance Coverage Amount is less than Replacement Cost Value of $ The insurance policy does not guarantee replacement and the replacement cost estimator is not in the loan file. Minimum policy dwelling coverage must cover the lesser of the following methods: 1) both Loan Amount $XXX OR 2) RCE (Replacement cost estimator) from the insurance provider. - Due Diligence Vendor-07/01/2025 | Ready for Review-Document Uploaded. - Seller-07/02/2025<br>| Resolved-Received RCE reflecting sufficient coverage. - Due Diligence Vendor-07/02/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50% |  | Insurance Replacement Cost Estimator.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 33958729 | XXX | XXX C A | Closed | FCRE4805 | 2025-06-30 10:02 | 2025-07-02 17:36 | Resolved | 1 - Information C A | Credit | Eligibility | Trust/POA Does Not Meet Guideline Requirements | Resolved-Received title company confirmation of trust approval. - Due Diligence Vendor-07/02/2025 <br> Ready for Review-Document Uploaded. - Seller-07/02/2025 <br> Open-Trust/POA Does Not Meet Guideline Requirements Missing documentation that title company approved the certification of trust for the XXX document in the loan file. - Due Diligence Vendor-07/01/2025 | Ready for Review-Document Uploaded. - Seller-07/02/2025<br>| Resolved-Received title company confirmation of trust approval. - Due Diligence Vendor-07/02/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50% |  | EMAIL FROM TITLE REGARDING TRUST CERT APPROVAL.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 39478526 | XXX | XXX D A | Closed | FCOM8807 | 2025-05-30 18:00 | 2025-06-11 08:39 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Appraisal Acknowledgement | Resolved-Received Certified Secure Electronic Delivery of Appraisal/Valuation Report. - Due Diligence Vendor-06/11/2025 <br>Ready for Review-Document Uploaded. - Seller-06/10/2025 <br>Open-Missing Appraisal Acknowledgement from the file. - Due Diligence Vendor-05/30/2025 | Ready for Review-Document Uploaded. - Seller-06/10/2025<br>| Resolved-Received Certified Secure Electronic Delivery of Appraisal/Valuation Report. - Due Diligence Vendor-06/11/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | XXXCert-XXX-XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | 30048389 | XXX | XXX D A | Closed | FCRE1467 | 2025-07-11 20:53 | 2025-07-18 16:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Asset 1 Missing | Resolved-Received evidence of Gift funds for funds to close. - Due Diligence Vendor-07/18/2025 <br> Ready for Review-Document Uploaded. The final funds of $XXX were wired from the donor as gift funds. - Seller-07/18/2025 <br> Open-Asset 1 Missing Transaction is short funds to close in the amount of $XXX. Missing asset statement to support sufficient funds for closing. Subject to additional conditions upon receipt - Due Diligence Vendor-07/12/2025 | Ready for Review-Document Uploaded. The final funds of $XXX were wired from the donor as gift funds. - Seller-07/18/2025 | Resolved-Received evidence of Gift funds for funds to close. - Due Diligence Vendor-07/18/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700. |  | CERTIFIED COPY OF FINAL FUNDS (GIFT) (7).pdf<br>GIFT LETTER ONLY (28).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| XXX | 30048389 | XXX | XXX D A | Closed | 1000609-1001960 | 2025-07-09 10:55 | 2025-07-18 13:22 | Resolved | 1 - Information C A | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Received Initial Closing Disclosure Issued and Signed XXX. - Due Diligence Vendor-07/18/2025 <br> Resolved- - Due Diligence Vendor-07/18/2025 <br> Ready for Review-Document Uploaded. - Seller-07/18/2025 <br> Open-The Initial Closing Disclosure Received Date of (XXX) is not three business days before the consummation date of (XXX). Three business days before the consummation date is (XXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Missing Initial Closing Disclosure with proof of borrower's receipt at least 3 days prior to consummation. Initial Closing Disclosure in file Issued XXX was signed on XXX and consummation date is XXX. Unable to complete regulatory compliance check and TRID monitoring. - Due Diligence Vendor-07/09/2025 <br> Open- - Due Diligence Vendor-07/09/2025 <br> Open- - Due Diligence Vendor-07/09/2025 | Ready for Review-Document Uploaded. - Seller-07/18/2025<br>| Resolved-Received Initial Closing Disclosure Issued and Signed XXX. - Due Diligence Vendor-07/18/2025 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700. |  | XXX_XXX - INITIAL CLOSING DISCLOSURE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| XXX | 30048389 | XXX | XXX D A | Closed | FCOM8807 | 2025-07-09 11:05 | 2025-07-18 13:13 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Appraisal Acknowledgement | Resolved-Received Certified Secure Electronic Delivery of Appraisal/Valuation Report. - Due Diligence Vendor-07/18/2025 <br>Ready for Review-Document Uploaded. - Seller-07/18/2025 <br>Open- - Due Diligence Vendor-07/09/2025 | Ready for Review-Document Uploaded. - Seller-07/18/2025<br>| Resolved-Received Certified Secure Electronic Delivery of Appraisal/Valuation Report. - Due Diligence Vendor-07/18/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700. |  | XXXCert-XXX-XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| XXX | 30048389 | XXX | XXX D A | Closed | FCRE1148 | 2025-07-09 09:53 | 2025-07-18 12:15 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received final title policy reflecting sufficient title coverage. - Due Diligence Vendor-07/18/2025 <br> Ready for Review-Document Uploaded. - Seller-07/18/2025 <br> Open-Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien(s) of $XXX Missing title supplement or updated title report with title coverage equal to or greater than $XXX. - Due Diligence Vendor-07/12/2025 | Ready for Review-Document Uploaded. - Seller-07/18/2025<br>| Resolved-Received final title policy reflecting sufficient title coverage. - Due Diligence Vendor-07/18/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700. |  | FINAL TITLE POLICY.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| XXX | 30048389 | XXX | XXX D A | Closed | FCRE6616 | 2025-07-10 16:53 | 2025-07-18 12:12 | Resolved | 1 - Information C A | Credit | Income/Employment | VOE performed more than 10 days prior to closing | Resolved-Received VOE for both borrowers within 10 days of closing. - Due Diligence Vendor-07/18/2025 <br>Ready for Review-Document Uploaded. - Seller-07/18/2025 <br>Open-VOE for borrower and co-borrower performed more than 10 days prior to closing. - Due Diligence Vendor-07/10/2025 | Ready for Review-Document Uploaded. - Seller-07/18/2025<br>| Resolved-Received VOE for both borrowers within 10 days of closing. - Due Diligence Vendor-07/18/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700. |  | VVOE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| XXX | 39952295 | XXX | XXX D A | Closed | FCRE9814 | 2025-06-05 21:36 | 2025-06-11 10:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Trust Agreement | Resolved-Received Certification of Trust reflecting the trust is revocable. - Due Diligence Vendor-06/11/2025 <br> Ready for Review-Document Uploaded. - Seller-06/10/2025 <br> Open-Trust cert was provided however, it does not indicate if the XXX and XXX Family Trust is revocable. additional conditions may apply upon receipt. - Due Diligence Vendor-06/06/2025 | Ready for Review-Document Uploaded. - Seller-06/10/2025<br>| Resolved-Received Certification of Trust reflecting the trust is revocable. - Due Diligence Vendor-06/11/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 85%<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50% |  | EMAIL FROM TITLE.pdf<br>Certificate of Trust.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | 39901102 | XXX | XXX D B A C | Closed | FCRE5782 | 2025-06-03 10:49 | 2025-07-18 12:45 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Upon additional review, Client elects to waive with Comp Factors. - Due Diligence Vendor-07/18/2025 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-07/18/2025 <br> Counter-Received Exception waiver form, however it is not signed by XXX. - Due Diligence Vendor-07/18/2025 <br> Ready for Review-Document Uploaded. - Seller-07/18/2025 <br> Counter-Received UDM report, however it is dated outside of 15 days from the Note Date. Still missing gap credit report within 15 days of the Note Date. - Due Diligence Vendor-07/16/2025 <br> Ready for Review-Document Uploaded. - Seller-07/15/2025 <br> Counter-Received borrower LOX which insufficient to clear condition. Still missing GAP Report dated within 15 days of Note Date. - Due Diligence Vendor-07/15/2025 <br> Ready for Review-Document Uploaded. - Seller-07/15/2025 <br> Counter-Lender commentary received. Original condition remains. - Due Diligence Vendor-07/08/2025 <br> Ready for Review-We are still working on this and the supporting document has been requested. Will do provide the document needed once available as soon as possible. - Seller-07/07/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Missing GAP Report dated within 15 days of Note Date. - Due Diligence Vendor-06/10/2025 | Ready for Review-Document Uploaded. - Seller-07/18/2025 <br>Ready for Review-Document Uploaded. - Seller-07/15/2025 <br>Ready for Review-Document Uploaded. - Seller-07/15/2025 <br>Ready for Review-We are still working on this and the supporting document has been requested. Will do provide the document needed once available as soon as possible. - Seller-07/07/2025<br>| Waived-Upon additional review, Client elects to waive with Comp Factors. - Due Diligence Vendor-07/18/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 70% | 1) XXX% LTV is less than 70% maximum<br> 2) XXX FICO is greater than 720 minimum<br> 3) XXX% DTI is less than 50% maximum | LOE FROM BORROWER.pdf<br> UDM.pdf<br> Exception Waiver Form.pdf<br> XXX Email - XXX XXX.pdf<br> Exception Waiver Form - XXX XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Second Home | Refinance | Cash Out - Other | Originator Post-Close | Yes |
| XXX | 39901102 | XXX | XXX D B A C | Closed | FVAL5385 | 2025-06-10 07:39 | 2025-07-18 12:44 | Waived | 2 - Non-Material C B | Property | Property | Property has been listed for sale in the past 6 months | Waived-Upon additional review, Client elects to waive condition with Comp Factors. - Due Diligence Vendor-07/18/2025 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-07/18/2025 <br> Counter-Received Exception waiver form, however it is not signed by XXX. - Due Diligence Vendor-07/18/2025 <br> Ready for Review-Document Uploaded. - Seller-07/18/2025 <br> Counter-Received investor email correspondence, however correspondence does not detail the issue, or the documentation sent to the investor for review. Unable to determine whether investor gave approval for the property having been on the market within six months of the note date. - Due Diligence Vendor-07/15/2025 <br> Ready for Review-Document Uploaded. - Seller-07/15/2025 <br> Open-Per Appraiser, subject property was listed on XXX with a list price of $XXX, had a price decrease $XXX on XXX, another price decrease to $XXX on XXX, went pending on XXX which fell through and listing was withdrawn on XXX (XXXMLS#XXX). The subject was re-listed on XXX with a list price of $XXX and was withdrawn on XXX (XXXMLS#XXX). Per guidelines, properties that have been on the market within six months of the note date are ineligible. - Due Diligence Vendor-06/10/2025 | Ready for Review-Document Uploaded. - Seller-07/18/2025 <br>Ready for Review-Document Uploaded. - Seller-07/15/2025<br>| Waived-Upon additional review, Client elects to waive condition with Comp Factors. - Due Diligence Vendor-07/18/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 70% | 1) XXX% LTV is less than 70% maximum<br> 2) XXX FICO is greater than 720 minimum<br> 3) XXX% DTI is less than 50% maximum | LOE FROM BORROWER.pdf<br> EMAIL FROM XXX.pdf<br> Exception Waiver Form.pdf<br> Exception Waiver Form - XXX XXX.pdf<br> VPM Email - XXX XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Second Home | Refinance | Cash Out - Other | Originator Post-Close | Yes |
| XXX | 33783447 | XXX | XXX D A C | Closed | FCRE1254 | 2025-07-01 15:52 | 2025-07-03 16:58 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received title supplement reflecting item #7 has been deleted. - Due Diligence Vendor-07/03/2025 <br>Ready for Review-Document Uploaded. - Seller-07/03/2025 <br>Open-Property Title Issue Missing documentation to support judgement items reflected on title report (title items #7 will not be on final policy. - Due Diligence Vendor-07/01/2025 | Ready for Review-Document Uploaded. - Seller-07/03/2025<br>| Resolved-Received title supplement reflecting item #7 has been deleted. - Due Diligence Vendor-07/03/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90%.<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%. |  | TITLE SUPPLEMENT.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 33783447 | XXX | XXX D A C | Closed | FCOM8807 | 2025-06-27 17:36 | 2025-07-03 16:16 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Appraisal Acknowledgement | Resolved-Received Certified Secure Electronic Delivery of Appraisal/Valuation Report. - Due Diligence Vendor-07/03/2025 <br>Ready for Review-Document Uploaded. - Seller-07/03/2025 <br>Open-Missing Appraisal Acknowledgement disclosure from the file. - Due Diligence Vendor-06/27/2025 | Ready for Review-Document Uploaded. - Seller-07/03/2025<br>| Resolved-Received Certified Secure Electronic Delivery of Appraisal/Valuation Report. - Due Diligence Vendor-07/03/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90%.<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%. |  | XXXCert-XXX-XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 35550447 | XXX | XXX C A | Closed | FPRO1635 | 2025-07-17 19:19 | 2025-07-25 17:26 | Resolved | 1 - Information C A | Property | Property Issue | Property Issues are Present | Resolved-Received revised appraisal reflecting safety release latches and removal of adjustments for shower rooms. - Due Diligence Vendor-07/25/2025 <br>Ready for Review-Document Uploaded. - Seller-07/25/2025 <br>Open-Property Issues are Present 1) Appraisal is missing evidence all security bars on windows interior release mechanism, appraiser only provided for 1 window. 2) Appraiser states no value given to Shower Rooms, however, is siting adjustments to comps for Shower Rooms on the grid. - Due Diligence Vendor-07/17/2025 | Ready for Review-Document Uploaded. - Seller-07/25/2025<br>| Resolved-Received revised appraisal reflecting safety release latches and removal of adjustments for shower rooms. - Due Diligence Vendor-07/25/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 85%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50% |  | UPDATED APPRAISAL.pdf<br> SSR_FRE_XXX.pdf<br> SSR_FNM_XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 36858497 | XXX | XXX C A | Closed | FCRE1254 | 2025-07-11 18:40 | 2025-07-22 16:25 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Supporting documentation received. - Due Diligence Vendor-07/22/2025 <br> Ready for Review-Document Uploaded. - Seller-07/22/2025 <br> Counter-Received title policy, however solar energy contract still reflected. Missing UCC Termination for item #2 on title. - Due Diligence Vendor-07/18/2025 <br> Ready for Review-Document Uploaded. - Seller-07/18/2025 <br> Open-Property Title Issue Subject property has lien on title for solar panels with XXX LLC/XXX (Schedule B #4-6). missing confirmation or title supplement confirming the lien position of the new mortgage is ahead of the existing solar/UCC liens position. - Due Diligence Vendor-07/11/2025 | Ready for Review-Document Uploaded. - Seller-07/22/2025 <br>Ready for Review-Document Uploaded. - Seller-07/18/2025<br>| Resolved-Supporting documentation received. - Due Diligence Vendor-07/22/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720.<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%.<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90%. |  | FINAL TITLE POLICY.pdf<br>UW RESPONSE RE SOLAR.pdf<br>(null).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 36858497 | XXX | XXX C A | Closed | FCRE1148 | 2025-07-09 09:48 | 2025-07-18 11:18 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received final title policy reflecting sufficient coverage. - Due Diligence Vendor-07/18/2025 <br> Ready for Review-Document Uploaded. - Seller-07/18/2025 <br> Open-Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien(s) of $XXX Missing title supplement or updated title report reflecting title coverage equal to or greater than $XXX. - Due Diligence Vendor-07/10/2025 | Ready for Review-Document Uploaded. - Seller-07/18/2025<br>| Resolved-Received final title policy reflecting sufficient coverage. - Due Diligence Vendor-07/18/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720.<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%.<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90%. |  | FINAL TITLE POLICY.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 31101483 | XXX | XXX C B A | Closed | FCRE1440 | 2025-07-27 21:13 | 2025-07-30 17:34 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received supporting documentation. - Due Diligence Vendor-07/30/2025 <br> Ready for Review-Document Uploaded. - Seller-07/30/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Missing copy of modification agreement from XXX xxXXX to support borrower's LOE stating payoff is for XXX. Payoff existing mortgage of $XXX not supported by a formal payoff statement. Mortgage statement shows balance as "unpaid second principal balance." Unable to determine if senior lien loan meets guideline requirements. - Due Diligence Vendor-07/28/2025 | Ready for Review-Document Uploaded. - Seller-07/30/2025<br>| Resolved-Received supporting documentation. - Due Diligence Vendor-07/30/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | XXX_LOE REBUTTAL RESPONSE UW #2.pdf<br> XXX_CLOSING DISCLOSURE (POST CONSUMMATION) #2.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 31101483 | XXX | XXX C B A | Closed | FCRE1493 | 2025-07-25 19:07 | 2025-07-30 14:49 | Waived | 2 - Non-Material C B | Credit | Eligibility | Trade line count does not meet program requirements | Waived-Upon additional review, Client elects to waive with Comp Factors. - Due Diligence Vendor-07/30/2025 <br>Ready for Review-Document Uploaded. - Seller-07/30/2025 <br>Open-Missing copy of final signed exception approval. Copy provided is lender's request and email to scenario desk only - Exception approval request received for Borrower not meeting the tradeline requirement of 3 tradelines reporting for a minimum of 12 months with activity in the last 12 months or at least 2 tradelines reporting for a minimum of 24 months with activity in the last 12 months. - Due Diligence Vendor-07/25/2025 | Ready for Review-Document Uploaded. - Seller-07/30/2025<br>| Waived-Upon additional review, Client elects to waive with Comp Factors. - Due Diligence Vendor-07/30/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 | greater than 7 years same self employment business, ltv/cltv of XXX and XXX%; fico of XXX and XXX for Borrower and coborrower, oldest tradeline of XXX years, residual income $XXX | XXX_XXX LOAN EXCEPTION APPROVAL SIGNED BY SR. MNGR.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes |
| XXX | 33185030 | XXX | XXX C A | Closed | 1000609-1001960 | 2025-07-02 15:34 | 2025-07-10 15:40 | Resolved | 1 - Information C A | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Received Initial Closing Disclosure Issued and Received XXX. - Due Diligence Vendor-07/10/2025 <br> Resolved- - Due Diligence Vendor-07/10/2025 <br> Ready for Review-Document Uploaded. - Seller-07/10/2025 <br> Open-Missing Initial Closing Disclosure with proof of borrower's receipt at least 3 days prior to consummation. Initial Closing Disclosure in file Issued XXX was signed on XXX and consummation date is XXX. Unable to complete regulatory compliance check and TRID monitoring. - Due Diligence Vendor-07/02/2025 <br> Open- - Due Diligence Vendor-07/02/2025 | Ready for Review-Document Uploaded. - Seller-07/10/2025<br>| Resolved-Received Initial Closing Disclosure Issued and Received XXX. - Due Diligence Vendor-07/10/2025 | Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%.<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720. |  | XXX_XXX - INITIAL CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 34151879 | XXX | XXX D A | Closed | FCRE1330 | 2025-08-21 15:02 | 2025-08-22 11:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Paystubs Missing | Resolved-Received updated XXX paystubs. Income not used for XXX. as W2's were not provided. - Due Diligence Vendor-08/22/2025 <br> Ready for Review-Document Uploaded. - Seller-08/22/2025 <br> Open-Lender provided the Paystub for XXX with an end date of XXX which has expired on XXX. Missing updated paystubs. - Due Diligence Vendor-08/21/2025 | Ready for Review-Document Uploaded. - Seller-08/22/2025<br>| Resolved-Received updated XXX paystubs. Income not used for XXX. as W2's were not provided. - Due Diligence Vendor-08/22/2025 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700.<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum LTV per guidelines 90% |  | XXX_PAYSTUB.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 34151879 | XXX | XXX D A | Closed | FSER1202 | 2025-08-21 15:04 | 2025-08-22 11:41 | Resolved | 1 - Information A | Servicing | Additional Information | URLA is missing | Resolved-Received revised 1008/1003 revising income. - Due Diligence Vendor-08/22/2025 <br> Ready for Review-Document Uploaded. - Seller-08/22/2025 <br> Open-Missing updated URLA and 1008 reflecting the XXX income of $XXX with a DTI of XXX/XXX% - Due Diligence Vendor-08/21/2025 | Ready for Review-Document Uploaded. - Seller-08/22/2025<br>| Resolved-Received revised 1008/1003 revising income. - Due Diligence Vendor-08/22/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700.<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum LTV per guidelines 90% |  | XXX_REVISED LENDER 1008 AND URLA.pdf<br> XXX_UPDATED XXX INCOME CALC.pdf<br> XXX_REVISED LENDER 1008 AND URLA.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 34151879 | XXX | XXX D A | Closed | FCRE5790 | 2025-07-28 11:42 | 2025-08-21 15:00 | Resolved | 1 - Information D A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received UDM reflecting no new debt or inquiries. - Due Diligence Vendor-08/08/2025 <br> Ready for Review-Document Uploaded. - Seller-08/08/2025 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Borrower 1 Gap Credit Report is Expired (Greater than 15 days from the note date of XXX). - Due Diligence Vendor-07/30/2025 | Ready for Review-Document Uploaded. - Seller-08/08/2025<br>| Resolved-Received UDM reflecting no new debt or inquiries. - Due Diligence Vendor-08/08/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700.<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum LTV per guidelines 90% |  | XXX_CREDIT REPORT.pdf<br> XXX_UDM REPORT.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 34151879 | XXX | XXX D A | Closed | FCOM8807 | 2025-07-28 13:16 | 2025-08-11 08:50 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Appraisal Acknowledgement | Resolved-Received Certified Secure Electronic Delivery of Appraisal/Valuation Report. - Due Diligence Vendor-08/11/2025 <br>Ready for Review-Document Uploaded. - Seller-08/08/2025 <br>Open- - Due Diligence Vendor-07/28/2025 | Ready for Review-Document Uploaded. - Seller-08/08/2025<br>| Resolved-Received Certified Secure Electronic Delivery of Appraisal/Valuation Report. - Due Diligence Vendor-08/11/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700.<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum LTV per guidelines 90% |  | XXX_PROOF OF DELIVERY.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 34151879 | XXX | XXX D A | Closed | FCOM1232 | 2025-07-30 16:13 | 2025-08-08 13:55 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-Received complete, executed Final URLA. - Due Diligence Vendor-08/08/2025 <br> Ready for Review-Document Uploaded. - Seller-08/08/2025 <br> Counter-Received Final URLA, however all applicable pages are not signed by the borrower. - Due Diligence Vendor-08/08/2025 <br> Ready for Review-Document Uploaded. - Seller-08/08/2025 <br> Open-The Final 1003 is Missing Missing final URLA, & Lender Loan information reflecting a loan amount of $XXX. One in file reflects a loan amount of $XXX. - Due Diligence Vendor-07/30/2025 | Ready for Review-Document Uploaded. - Seller-08/08/2025 <br>Ready for Review-Document Uploaded. - Seller-08/08/2025<br>| Resolved-Received complete, executed Final URLA. - Due Diligence Vendor-08/08/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700.<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum LTV per guidelines 90% |  | XXX_CHANGE OF CIRCUMSTANCE REQUEST FORM.pdf<br> XXX_FINAL 1003 - ALL PAGES.pdf<br> XXX_FINAL 1003_XXX.1..pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 34151879 | XXX | XXX D A | Closed | FCRE7871 | 2025-07-28 12:13 | 2025-08-08 12:49 | Resolved | 1 - Information B A | Credit | Data | Final 1008 Loan Amount Variance | Resolved-Received revised Note reflecting correct loan amount. - Due Diligence Vendor-08/08/2025 <br> Ready for Review-Document Uploaded. - Seller-08/08/2025 <br> Open-Missing final 1008, as per note, loan amount is $XXX, and 1008 reflects loan amount as $XXX. - Due Diligence Vendor-07/28/2025 | Ready for Review-Document Uploaded. - Seller-08/08/2025<br>| Resolved-Received revised Note reflecting correct loan amount. - Due Diligence Vendor-08/08/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700.<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum LTV per guidelines 90% |  | XXX_CHANGE OF CIRCUMSTANCE REQUEST FORM.pdf<br> XXX_TRANSMITTAL SUMMARY 1008.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 34151879 | XXX | XXX D A | Closed | FCRE1204 | 2025-07-29 16:35 | 2025-08-08 12:48 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received Cleared fraud report and 1008 reflecting explanation for clearance of high alerts. - Due Diligence Vendor-08/08/2025 <br> Ready for Review-Document Uploaded. - Seller-08/08/2025 <br> Open-Fraud Report Shows Uncleared Alerts Missing final Fraud Guard with the high impact alerts cleared. (Fraud Guard in file is the initial report ran on XXX. - Due Diligence Vendor-07/30/2025 | Ready for Review-Document Uploaded. - Seller-08/08/2025<br>| Resolved-Received Cleared fraud report and 1008 reflecting explanation for clearance of high alerts. - Due Diligence Vendor-08/08/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700.<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum LTV per guidelines 90% |  | XXX_TRANSMITTAL SUMMARY 1008.pdf<br> XXX_FRAUD GUARD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 30315629 | XXX | XXX D A C | Closed | FCRE1254 | 2025-07-21 17:10 | 2025-08-05 14:04 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Lender LOX received. Solar lien PIF at closing. - Due Diligence Vendor-08/05/2025 <br>Ready for Review-Document Uploaded. - Seller-08/04/2025 <br>Counter-Received UCC Financing Statement. Still missing evidence UCC Financing Statement for Solar is terminated and removed from title. - Due Diligence Vendor-07/25/2025 <br>Ready for Review-Document Uploaded. UW's comment: <br> see attached and we paid it off at closing. - Seller-07/25/2025 <br>Open-Property Title Issue Missing evidence UCC Financing Statement for Solar is terminated and removed from title. Borrower is paying off Solar on Final CD. - Due Diligence Vendor-07/21/2025 | Ready for Review-Document Uploaded. - Seller-08/04/2025 <br>Ready for Review-Document Uploaded. UW's comment: <br> see attached and we paid it off at closing. - Seller-07/25/2025<br>| Resolved-Lender LOX received. Solar lien PIF at closing. - Due Diligence Vendor-08/05/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 660. |  | UCC.pdf<br> XXX_LOE REBUTTAL RESPONSE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | 30315629 | XXX | XXX D A C | Closed | FCRE1437 | 2025-07-21 17:11 | 2025-08-04 16:30 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Received XXX license. - Due Diligence Vendor-08/04/2025 <br> Ready for Review-Document Uploaded. - Seller-08/04/2025 <br> Open-Income and Employment Do Not Meet Guidelines LOE submitted for GAP in Employment from XXX thru XXX. Missing supporting documentation borrower was enrolled in XXX classes and evidence of licensing per LOE. - Due Diligence Vendor-07/21/2025 | Ready for Review-Document Uploaded. - Seller-08/04/2025<br>| Resolved-Received XXX license. - Due Diligence Vendor-08/04/2025 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 660. |  | XXX_XXX LICENSE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | 30315629 | XXX | XXX D A C | Closed | FCOM8807 | 2025-07-17 11:29 | 2025-07-25 11:22 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Appraisal Acknowledgement | Resolved-Received Certified Secure Electronic Delivery of Appraisal/Valuation Report. - Due Diligence Vendor-07/25/2025 <br>Ready for Review-Document Uploaded. - Seller-07/25/2025 <br>Open-Missing proof the Borrower received a copy of the Appraisal Report. - Due Diligence Vendor-07/17/2025 | Ready for Review-Document Uploaded. - Seller-07/25/2025<br>| Resolved-Received Certified Secure Electronic Delivery of Appraisal/Valuation Report. - Due Diligence Vendor-07/25/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 660. |  | XXXCert-XXX-XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | 34176899 | XXX | XXX D A | Closed | FCRE1186 | 2025-07-24 19:09 | 2025-08-29 14:39 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds AUS DTI | Resolved-Audited DTI of XXX% is less than or equal to AUS DTI of % - Due Diligence Vendor-08/29/2025 <br> Resolved-Lender LOX received - Max DTI is 50%. - Due Diligence Vendor-07/30/2025 <br> Ready for Review-Document Uploaded. - Seller-07/30/2025 <br> Open-Audited DTI XXX% exceeds the final DTI of XXX. Calculated earnings of $XXX versus obligations $XXX (Subject 1st lien XXX 2nd Lien $XXX) +$XXX(net rental loss) + $XXX(consumer debt) - Due Diligence Vendor-07/24/2025 | Ready for Review-Document Uploaded. - Seller-07/30/2025<br>| Resolved-Audited DTI of XXX% is less than or equal to AUS DTI of % - Due Diligence Vendor-08/29/2025 <br> Resolved-Lender LOX received - Max DTI is XXX%. - Due Diligence Vendor-07/30/2025 | LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80%.<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | XXX_LOE REBUTTAL RESPONSE UW #1.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 34176899 | XXX | XXX D A | Closed | FCOM1227 | 2025-07-23 14:16 | 2025-08-29 14:39 | Resolved | 1 - Information D A | Compliance | Missing Doc | PUD Rider is Missing | Resolved-Received Uniform Residential Appraisal Report dated XXX that does not reflect the Subject Property is a PUD. - Due Diligence Vendor-07/30/2025 <br> Ready for Review-Document Uploaded. - Seller-07/30/2025 <br> Open-PUD Rider is Missing As per Appraisal report Effective Date XXX sign date XXX Subject property is PUD and No HOA due, 1008 reflects Property Type as "1 Unit" with $XXX HOA Due, Deed of trust incomplete as missing checkbox mark for Planned Unit Development Rider. and Missing PUD Rider. - Due Diligence Vendor-07/23/2025 | Ready for Review-Document Uploaded. - Seller-07/30/2025<br>| Resolved-Received Uniform Residential Appraisal Report dated XXX that does not reflect the Subject Property is a PUD. - Due Diligence Vendor-07/30/2025 | LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80%.<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | XXX_APPRAISAL REPORT #4.1.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 34176899 | XXX | XXX D A | Closed | FCRE7497 | 2025-07-23 16:01 | 2025-08-29 14:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Review to XXX property. No additional insurance available. Calculated based on current impounds. Resolved. - Due Diligence Vendor-08/29/2025 <br> Counter- Forced placed hazard coverage supported for XX property as the dollar figure is reflected on the most recent two statements provided. Still missing copy of the hazard policy for XXX to support annual premium is included in the escrow payment on the mortgage statement. OR copies of the mortgage statement reflecting both the taxes and hazard disbursements to support the current monthly escrow amount.<br> - Due Diligence Vendor-08/27/2025 <br> Counter-Lender LOX and force-placed insurance received, however force-placed insurance expired XXX. Still missing evidence of HOI for properties located at XXX and XXX-HOA. - Due Diligence Vendor-08/22/2025 <br> Ready for Review-Document Uploaded. - Seller-08/22/2025 <br> Counter-Lender LOX received, however insufficient to clear condition. Mortgage statement for XXX-HOA does not reflect the account is escrowed. Mortgage statement for XXX reflects the account is escrowed, however the monthly escrow is $XXX - monthly taxes are $$XXX per the property profile provided. Still missing evidence of HOI for properties located at XXX and XXX-HOA. - Due Diligence Vendor-07/30/2025 <br> Ready for Review-Document Uploaded. - Seller-07/30/2025 <br> Open-Missing verification of insurance for non-subject property "XXX" and "XXX-HOA Unit ST 3-HOA XXX" - Due Diligence Vendor-07/23/2025 | Ready for Review-Document Uploaded. - Seller-08/22/2025 <br>Ready for Review-Document Uploaded. - Seller-07/30/2025<br>| Resolved-Review to XXX property. No additional insurance available. Calculated based on current impounds. Resolved. - Due Diligence Vendor-08/29/2025 | LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80%.<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | XXX_LOE REBUTTAL RESPONSE UW #3.pdf<br> XXX_MORTGAGE STATEMENT.1 #3.pdf<br> XXX_MORTGAGE STATEMENT #3.pdf<br> XXX_LOE REBUTTAL RESPONSE WITH HOI.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 34176899 | XXX | XXX D A | Closed | FCRE1325 | 2025-07-24 17:25 | 2025-08-29 14:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Updated income documents reviewed. Condition resolved. - Due Diligence Vendor-08/08/2025 <br> Resolved-Borrower 1 CPA Letter Provided - Due Diligence Vendor-08/08/2025 <br> Ready for Review-Document Uploaded. - Seller-08/08/2025 <br> Counter-Received supporting documentation for XXX However still missing updated CPA letter specifying if the borrower's business is a service or product-based business per Section 8.8.2 of guidelines to determine applicable expense factor. - Due Diligence Vendor-07/30/2025 <br> Ready for Review-Document Uploaded. - Seller-07/30/2025 <br> Open-Borrower 1 CPA Letter Missing CPA letter provided is for a different business (XXX) other than the borrowers business name as reflected on business license (XXX.) CPA letter does not specify if the borrower's business is a service or product-based business. <br> Missing CPA letter specifying if the borrower's business is a service or product-based business and the relationship between XXX and XXX. Additionally missing business license XXX to support business has been in operation for two years. Subjects to additional conditions upon receipt. - Due Diligence Vendor-07/24/2025 | Ready for Review-Document Uploaded. - Seller-08/08/2025 <br>Ready for Review-Document Uploaded. - Seller-07/30/2025<br>| Resolved-Updated income documents reviewed. Condition resolved. - Due Diligence Vendor-08/08/2025 <br>Resolved-Borrower 1 CPA Letter Provided - Due Diligence Vendor-08/08/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80%.<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | XXX_CPA LETTER #2.pdf<br> XXX_LOE REBUTTAL RESPONSE UW #2.pdf<br> XXX_BUSINESS LICENSE #2.pdf<br> XXX_FINAL 1003 #2.pdf<br> CPA Letter XXX_XXX copy.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 34176899 | XXX | XXX D A | Closed | FCOM1221 | 2025-07-22 12:06 | 2025-07-30 13:06 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-Received Deed of Trust inclusive of Exhibit A Legal Description. - Due Diligence Vendor-07/30/2025 <br>Ready for Review-Document Uploaded. - Seller-07/30/2025 <br>Open-The Deed of Trust is Incomplete Deed of Trust is missing the legal description. Deed of Trust in file reflects "SEE LEGAL DESCRIPTION ATTACHED HERETO AND MADE A PART HEREOF AS EXHIBIT "A"." on Page 3, however, legal description is blank. Need full copy of Deed of Trust inclusive of legal description. - Due Diligence Vendor-07/22/2025 | Ready for Review-Document Uploaded. - Seller-07/30/2025<br>| Resolved-Received Deed of Trust inclusive of Exhibit A Legal Description. - Due Diligence Vendor-07/30/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80%.<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | XXX_RECORDED DEED OF TRUST.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 39005384 | XXX | XXX D A | Closed | FCRE7497 | 2025-08-07 16:46 | 2025-08-20 14:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received HOI policies for additional properties. - Due Diligence Vendor-08/20/2025 <br> Ready for Review-Document Uploaded. - Seller-08/20/2025 <br> Counter-Received HOI policies for XXX and XXX, however the policies expired 4/2024. Missing updated HOI policies to ensure accurate DTI. Additionally, still missing HOI for XXX (account is not escrowed.) - Due Diligence Vendor-08/13/2025 <br> Ready for Review-Document Uploaded. - Seller-08/13/2025 <br> Counter-Lender LOX received, however insufficient to clear condition as file does not include HOI policies for XXX, XXX and XXX. Additionally, none of the mortgage statements for the referenced properties include escrows. - Due Diligence Vendor-08/12/2025 <br> Ready for Review-Document Uploaded. - Seller-08/12/2025 <br> Open-Missing HOI policy non-subject properties XXX, XXX and XXX. Subject to re-calculation of debt ratio upon receipt. - Due Diligence Vendor-08/07/2025 | Ready for Review-Document Uploaded. - Seller-08/20/2025 <br>Ready for Review-Document Uploaded. - Seller-08/13/2025 <br>Ready for Review-Document Uploaded. - Seller-08/12/2025<br>| Resolved-Received HOI policies for additional properties. - Due Diligence Vendor-08/20/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 680 |  | XXX_UW RESPONSE.pdf<br> XXX_INVESTMENT PROPERTIES.pdf<br> HOI - XXX PROPERTY.pdf<br> HOI FOR XXX Property.pdf<br> XXX_UW RESPONSE.pdf<br> MORTGAGE STATEMENT- INSURANCE IMPOUNDED- XXX PROPERTY.pdf<br> XXX_TAX CERT.pdf<br> XXX_HAZARD INSURANCE 2.pdf<br> XXX_HAZARD INSURANCE.pdf<br> XXX_Mortgagee Notice copy 2.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 39005384 | XXX | XXX D A | Closed | FCRE4805 | 2025-08-07 14:14 | 2025-08-12 14:30 | Resolved | 1 - Information C A | Credit | Eligibility | Trust/POA Does Not Meet Guideline Requirements | Resolved-Received Trust Certification. - Due Diligence Vendor-08/12/2025 <br>Ready for Review-Document Uploaded. - Seller-08/12/2025 <br>Counter-Received title company trust approval, however a copy of the Trust Cert is not included in the loan file. - Due Diligence Vendor-08/12/2025 <br>Ready for Review-Document Uploaded. - Seller-08/12/2025 <br>Open-Trust/POA Does Not Meet Guideline Requirements Missing Trust Cert and evidence it has been reviewed and approved by the title company. - Due Diligence Vendor-08/07/2025 | Ready for Review-Document Uploaded. - Seller-08/12/2025 <br>Ready for Review-Document Uploaded. - Seller-08/12/2025<br>| Resolved-Received Trust Certification. - Due Diligence Vendor-08/12/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 680 |  | XXX_TITLE RESPONSE.pdf<br> XXX_TRUST CERTIFICATION.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 33128662 | XXX | XXX D A C | Closed | FCRE1254 | 2025-09-04 15:44 | 2025-09-05 09:32 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received title supplement reflecting removal of item #5. - Due Diligence Vendor-09/05/2025 <br>Ready for Review-Document Uploaded. - Seller-09/04/2025 <br>Open-Property Title Issue Missing documentation to support the Lien item #5 reflected on the title report will not be on final policy. - Due Diligence Vendor-09/04/2025 | Ready for Review-Document Uploaded. - Seller-09/04/2025<br>| Resolved-Received title supplement reflecting removal of item #5. - Due Diligence Vendor-09/05/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90%.<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | XXX_TITLE SUPPLEMENT.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 33128662 | XXX | XXX D A C | Closed | FCOM8807 | 2025-09-03 14:50 | 2025-09-05 09:04 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Appraisal Acknowledgement | Resolved-Received Certified Secure Electronic Delivery of Appraisal/Valuation Report. - Due Diligence Vendor-09/05/2025 <br>Ready for Review-Document Uploaded. - Seller-09/04/2025 <br>Open-Missing Appraisal Acknowledgement from the file. - Due Diligence Vendor-09/03/2025 | Ready for Review-Document Uploaded. - Seller-09/04/2025<br>| Resolved-Received Certified Secure Electronic Delivery of Appraisal/Valuation Report. - Due Diligence Vendor-09/05/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90%.<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | XXX_XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 36218935 | XXX | XXX D A | Closed | FCRE7497 | 2025-08-26 13:30 | 2025-08-28 16:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received supporting documentation of HOA Dues. - Due Diligence Vendor-08/28/2025 <br> Ready for Review-Document Uploaded. - Seller-08/28/2025 <br> Open-Missing letter from borrower disclosing presence or absence of any HOA fees on subject property for XXX. Subject to recalculation of DTI upon receipt. - Due Diligence Vendor-08/26/2025 | Ready for Review-Document Uploaded. - Seller-08/28/2025<br>| Resolved-Received supporting documentation of HOA Dues. - Due Diligence Vendor-08/28/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | XXX_TRANSMITTAL SUMMARY 1008.pdf<br> XXX_UW RESPONSE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 36218935 | XXX | XXX D A | Closed | FCOM8807 | 2025-08-25 13:22 | 2025-08-26 17:06 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Appraisal Acknowledgement | Resolved-Received Certified Secure Electronic Delivery of Appraisal/Valuation Report. - Due Diligence Vendor-08/26/2025 <br>Ready for Review-Document Uploaded. - Seller-08/26/2025 <br>Open-Missing Appraisal Acknowledgement. - Due Diligence Vendor-08/25/2025 | Ready for Review-Document Uploaded. - Seller-08/26/2025<br>| Resolved-Received Certified Secure Electronic Delivery of Appraisal/Valuation Report. - Due Diligence Vendor-08/26/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | XXX_XXX-XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 37954967 | XXX | XXX B A | Closed | FCRE7878 | 2025-07-25 17:13 | 2025-07-31 13:53 | Resolved | 1 - Information B A | Credit | Data | Final 1008 Total Debt income Ratio Variance | Resolved-Lender LOX received - lender agrees with our DTI calculations. - Due Diligence Vendor-07/31/2025 <br> Ready for Review-Document Uploaded. - Seller-07/31/2025 <br> Open-Calculated DTI is XXX% and 1008 reflected XXX% more than 3% DTI variance. This is due to the XXX business income calculation from lender did not factor some of the deposits from the XXX acct #XXX for XXX & XXX. (Lenders income was $XXX vs. QC income $XXX) - Due Diligence Vendor-07/25/2025 | Ready for Review-Document Uploaded. - Seller-07/31/2025<br>| Resolved-Lender LOX received - lender agrees with our DTI calculations. - Due Diligence Vendor-07/31/2025<br>| LTV is less than guideline maximum - XXX% LTV is XXX% less than maximum LTV per guidelines 90% |  | XXX_LOE REBUTTAL RESPONSE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | 35437889 | XXX | XXX D A | Closed | FCRE6618 | 2025-08-11 17:05 | 2025-08-19 12:49 | Resolved | 1 - Information C A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-Received updated URLA reflecting XXX. - Due Diligence Vendor-08/19/2025 <br> Ready for Review-Document Uploaded. - Seller-08/19/2025 <br> Open-Missing final 1003/URLA displaying income and employment from XXX. Income was used in DTI. - Due Diligence Vendor-08/11/2025 | Ready for Review-Document Uploaded. - Seller-08/19/2025<br>| Resolved-Received updated URLA reflecting XXX. - Due Diligence Vendor-08/19/2025 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 70%<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%. |  | XXX_FINAL 1003 - ALL PAGES.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 35437889 | XXX | XXX D A | Closed | FCRE1326 | 2025-08-11 16:28 | 2025-08-14 17:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 YTD Profit & Loss Missing | Resolved-Borrower 1 YTD Profit & Loss Provided - Due Diligence Vendor-08/14/2025 <br> Open-Borrower 1 YTD Profit & Loss Missing Retail/Product based business (XXX) CPA prepared P/L doesn't support the minimum 40% expenses ratio. Gross profit \*40% equals $XXX.<br> Retail/Product based business (XXX) CPA prepared P/L doesn't support the minimum 40% expenses ratio. Gross profit \*40% equals $XXX1.<br> Retail/Product based business (XXX) CPA prepared P/L doesn't support the minimum 40% expenses ratio. Gross profit \*40% equals $XXX.<br> Subject to re-calculation of income additional conditions upon receipt. - Due Diligence Vendor-08/11/2025 |  | Resolved-Borrower 1 YTD Profit & Loss Provided - Due Diligence Vendor-08/14/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 70%<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 35437889 | XXX | XXX D A | Closed | FCRE1148 | 2025-08-07 12:06 | 2025-08-14 11:54 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received title commitment reflecting sufficient loan amount coverage. - Due Diligence Vendor-08/14/2025 <br> Ready for Review-Document Uploaded. - Seller-08/14/2025 <br> Open-Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien(s) of $XXX Missing title supplement to show lender's coverage amount. - Due Diligence Vendor-08/07/2025 | Ready for Review-Document Uploaded. - Seller-08/14/2025<br>| Resolved-Received title commitment reflecting sufficient loan amount coverage. - Due Diligence Vendor-08/14/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 70%<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%. |  | XXX_TITLE COMMITMENT.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 36228316 | XXX | XXX D A C | Closed | FCRE1148 | 2025-08-29 10:37 | 2025-09-03 17:27 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received title policy reflecting coverage amount of $292,000. - Due Diligence Vendor-09/03/2025 <br> Ready for Review-Document Uploaded. - Seller-09/03/2025 <br> Open-Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien(s) of $XXX Missing Lender coverage on Title report in the amount of $XXX. - Due Diligence Vendor-08/29/2025 | Ready for Review-Document Uploaded. - Seller-09/03/2025<br>| Resolved-Received title policy reflecting coverage amount of $XXX. - Due Diligence Vendor-09/03/2025 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | XXX_FINAL TITLE POLICY.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 36228316 | XXX | XXX D A C | Closed | FCOM8807 | 2025-08-29 12:53 | 2025-09-02 13:48 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Appraisal Acknowledgement | Resolved-Received Certified Secure Electronic Delivery of Appraisal/Valuation Report. - Due Diligence Vendor-09/02/2025 <br>Ready for Review-Document Uploaded. - Seller-09/02/2025 <br>Open-Missing Appraisal Acknowledgement from the file. - Due Diligence Vendor-08/29/2025 | Ready for Review-Document Uploaded. - Seller-09/02/2025<br>| Resolved-Received Certified Secure Electronic Delivery of Appraisal/Valuation Report. - Due Diligence Vendor-09/02/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | XXX_XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 30786697 | XXX | XXX D A | Closed | FCRE9814 | 2025-09-12 19:27 | 2025-09-15 16:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Trust Agreement | Resolved-Received title confirmation of trust approval. - Due Diligence Vendor-09/15/2025 <br>Ready for Review-Document Uploaded. - Seller-09/15/2025 <br>Open-Missing evidence the Trust cert has been approved by title company. - Due Diligence Vendor-09/12/2025 | Ready for Review-Document Uploaded. - Seller-09/15/2025<br>| Resolved-Received title confirmation of trust approval. - Due Diligence Vendor-09/15/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | EMAIL FROM TITLE RE TRUST CERT.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 34016681 | XXX | XXX D A | Closed | FCRE3653 | 2025-09-12 10:22 | 2025-09-12 15:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-Received borrower Cash Out letter. - Due Diligence Vendor-09/12/2025 <br>Ready for Review-Document Uploaded. THE LOE CASH OUT IS FOR BUSINESS PURPOSES AS MENTIONED FROM BOTTOM OF THE LETTER. - Seller-09/12/2025 <br>Open-Missing cash out letter of explanation. - Due Diligence Vendor-09/12/2025 | Ready for Review-Document Uploaded. THE LOE CASH OUT IS FOR BUSINESS PURPOSES AS MENTIONED FROM BOTTOM OF THE LETTER. - Seller-09/12/2025<br>| Resolved-Received borrower Cash Out letter. - Due Diligence Vendor-09/12/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 70%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 680 |  | XXX_LOE CASH OUT.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |

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## Exhibit 99.3

[VISTA POINT ASSETS LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.3 - Schedule 2**

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| | | | |
|:---|:---|:---|:---|
| TPR Firm: | ![](ex99-01.jpg) | Report Date: | 10/2/2025 |
| Client Name: | Vista Point Mortgage | Report: | Rating Agency Grades |
| Deal Name: | VSTA 2025-CES3 | Loans in report: | 160 |

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---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  |  |  |  |  | **INITIAL PROPERTY GRADES** | **INITIAL PROPERTY GRADES** | **INITIAL PROPERTY GRADES** | **FINAL PROPERTY GRADES** | **FINAL PROPERTY GRADES** | **FINAL PROPERTY GRADES** |
| **Incenter Loan ID** | **Client Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** | **DBRS** | **Kroll** | **Moodys** | **DBRS** | **Kroll** | **Moodys** |
| XXX | 37590039 | XXX | XXX | XXX D | A | A | A D | A | A | A |
| XXX | 37230401 | XXX | XXX | XXX C | A | A | A C | A | A | A |
| XXX | 33008907 | XXX | XXX | XXX C D | A | A | A D | A | A | A |
| XXX | 36691591 | XXX | XXX | XXX D | A | A | A D | A | A | A |
| XXX | 32044938 | XXX | XXX | XXX C D | A | A | A D B | A | A | A B |
| XXX | 38668014 | XXX | XXX | XXX C D | A | A | A D | A | A | A |
| XXX | 35431564 | XXX | XXX | XXX D | A | A | A D | A | A | A |
| XXX | 31655461 | XXX | XXX | XXX C D | A | A | A D | A | A | A |
| XXX | 39411195 | XXX | XXX | XXX A D | A | A | A D | A | A | A |
| XXX | 32735494 | XXX | XXX | XXX D C | A | A | A D | A | A | A |
| XXX | 37311411 | XXX | XXX | XXX D A | A | A | A D | A | A | A |
| XXX | 35438789 | XXX | XXX | XXX D A | N/A | N/A | N/A C D | N/A | N/A | N/A C |
| XXX | 38063067 | XXX | XXX | XXX A D | A | A | A D | A | A | A |
| XXX | 35472442 | XXX | XXX | XXX C A | A | A | A C | A | A | A |
| XXX | 33153111 | XXX | XXX | XXX C D | N/A | N/A | N/A C D | N/A | N/A | N/A C |
| XXX | 39160047 | XXX | XXX | XXX C A | N/A C | N/A | N/A C | N/A | N/A | N/A C |
| XXX | 33606876 | XXX | XXX | XXX A | A | A | A | A | A | A |
| XXX | 30174902 | XXX | XXX | XXX A D | C | C | C D A | A | A | A |
| XXX | 39895936 | XXX | XXX | XXX A | A | A | A | A | A | A |
| XXX | 36513063 | XXX | XXX | XXX D A | N/A | N/A | N/A C D | N/A | N/A | N/A C |
| XXX | 30070466 | XXX | XXX | XXX D C | A | A | A D | A | A | A |
| XXX | 31711632 | XXX | XXX | XXX A | N/A | N/A | N/A C | N/A | N/A | N/A C |
| XXX | 33961108 | XXX | XXX | XXX C D | A | A | A D B | A | A | A B |
| XXX | 32539676 | XXX | XXX | XXX C D | A | A | A D | A | A | A |
| XXX | 35819189 | XXX | XXX | XXX D C | N/A | N/A | N/A C D B | N/A | N/A | N/A C B |
| XXX | 31677388 | XXX | XXX | XXX D | N/A | N/A | N/A C D | N/A | N/A | N/A C |
| XXX | 38256107 | XXX | XXX | XXX D | N/A | N/A | N/A C D | N/A | N/A | N/A C |
| XXX | 36761175 | XXX | XXX | XXX D A | A | A | A D | A | A | A |
| XXX | 31905595 | XXX | XXX | XXX D | N/A | N/A | N/A C D | N/A | N/A | N/A C |
| XXX | 34245460 | XXX | XXX | XXX A C | A | A | A C | A | A | A |
| XXX | 33222443 | XXX | XXX | XXX A B | A | A | A B | A | A | A |
| XXX | 35435860 | XXX | XXX | XXX D C | N/A | N/A | N/A C D | N/A | N/A | N/A C |
| XXX | 37282519 | XXX | XXX | XXX D C | D | D | D A | A | A | A |
| XXX | 36102016 | XXX | XXX | XXX D C | D | D | D A | A | A | A |
| XXX | 32161316 | XXX | XXX | XXX D A | A | A | A D | A | A | A |
| XXX | 37511938 | XXX | XXX | XXX A | A | A | A | A | A | A |
| XXX | 31969180 | XXX | XXX | XXX D A | N/A | N/A | N/A C D | N/A | N/A | N/A C |
| XXX | 32083852 | XXX | XXX | XXX D A | N/A | N/A | N/A C D | N/A | N/A | N/A C |
| XXX | 37015624 | XXX | XXX | XXX D | A | A | A D | A | A | A |
| XXX | 33051525 | XXX | XXX | XXX A D | A | A | A D | A | A | A |
| XXX | 32686324 | XXX | XXX | XXX D C | A | A | A D | A | A | A |
| XXX | 39827520 | XXX | XXX | XXX D A | A | A | A D | A | A | A |
| XXX | 30176550 | XXX | XXX | XXX A D | N/A | N/A | N/A C D | N/A | N/A | N/A C |
| XXX | 38811910 | XXX | XXX | XXX A | A | A | A | A | A | A |
| XXX | 39196196 | XXX | XXX | XXX D A | N/A | N/A | N/A C D | N/A | N/A | N/A C |
| XXX | 33343329 | XXX | XXX | XXX C A | A | A | A C | A | A | A |
| XXX | 38275914 | XXX | XXX | XXX A | A | A | A | A | A | A |
| XXX | 33621462 | XXX | XXX | XXX D A | N/A | N/A | N/A C D | N/A | N/A | N/A C |
| XXX | 37747843 | XXX | XXX | XXX D A | A | A | A D | A | A | A |
| XXX | 33845087 | XXX | XXX | XXX A | A | A | A | A | A | A |
| XXX | 35039704 | XXX | XXX | XXX D | N/A | N/A | N/A C D | N/A | N/A | N/A C |
| XXX | 37105882 | XXX | XXX | XXX D C | A | A | A D | A | A | A |
| XXX | 30551918 | XXX | XXX | XXX A | N/A | N/A | N/A C | N/A | N/A | N/A C |
| XXX | 34066579 | XXX | XXX | XXX D A | A | A | A D | A | A | A |
| XXX | 34159448 | XXX | XXX | XXX D C | A | A | A D B | A | A | A B |
| XXX | 37988768 | XXX | XXX | XXX D A | A | A | A D | A | A | A |
| XXX | 31950536 | XXX | XXX | XXX C B | A | A | A C | A | A | A |
| XXX | 30204680 | XXX | XXX | XXX D A | A | A | A D | A | A | A |
| XXX | 38541606 | XXX | XXX | XXX C D | A | A | A D B | A | A | A B |
| XXX | 33932834 | XXX | XXX | XXX D | A | A | A D | A | A | A |
| XXX | 39056414 | XXX | XXX | XXX A | A | A | A | A | A | A |
| XXX | 37558912 | XXX | XXX | XXX D B | N/A | N/A | N/A C D | N/A | N/A | N/A C |
| XXX | 33280512 | XXX | XXX | XXX C D | A | A | A D | A | A | A |
| XXX | 30507290 | XXX | XXX | XXX A | A | A | A | A | A | A |
| XXX | 38070873 | XXX | XXX | XXX D | A | A | A D | A | A | A |
| XXX | 36352363 | XXX | XXX | XXX D C | A | A | A D | A | A | A |
| XXX | 38205478 | XXX | XXX | XXX C A | N/A | N/A | N/A C | N/A | N/A | N/A C |
| XXX | 33277875 | XXX | XXX | XXX D | N/A | N/A | N/A C D | N/A | N/A | N/A C |
| XXX | 35510683 | XXX | XXX | XXX D | C | C | C D A | A | A | A |
| XXX | 35593287 | XXX | XXX | XXX D | N/A | N/A | N/A C D | N/A | N/A | N/A C |
| XXX | 32968700 | XXX | XXX | XXX D A | N/A C | N/A | N/A C D | N/A B | N/A | N/A C B |
| XXX | 37635950 | XXX | XXX | XXX D | A | A | A D | A | A | A |
| XXX | 33841176 | XXX | XXX | XXX A | A | A | A | A | A | A |
| XXX | 30600703 | XXX | XXX | XXX D | A | A | A D | A | A | A |
| XXX | 31392882 | XXX | XXX | XXX D | N/A C | N/A | N/A C D | N/A | N/A | N/A C |
| XXX | 35595471 | XXX | XXX | XXX A | N/A | N/A | N/A C | N/A | N/A | N/A C |
| XXX | 30637140 | XXX | XXX | XXX A | N/A | N/A | N/A C | N/A | N/A | N/A C |
| XXX | 31346132 | XXX | XXX | XXX B A | A | A | A B | A | A | A |
| XXX | 34554737 | XXX | XXX | XXX A C | A | A | A C | A | A | A |
| XXX | 39444502 | XXX | XXX | XXX A | A | A | A | A | A | A |
| XXX | 35881997 | XXX | XXX | XXX A | A | A | A | A | A | A |
| XXX | 37343521 | XXX | XXX | XXX A D | N/A | N/A | N/A C D | N/A | N/A | N/A C |
| XXX | 37667976 | XXX | XXX | XXX D B | N/A C | N/A | N/A C D | N/A | N/A | N/A C |
| XXX | 38893047 | XXX | XXX | XXX A D | A | A | A D | A | A | A |
| XXX | 38456250 | XXX | XXX | XXX A C | A | A | A C | A | A | A |
| XXX | 39031680 | XXX | XXX | XXX A D | A | A | A D | A | A | A |
| XXX | 38341088 | XXX | XXX | XXX D | N/A | N/A | N/A C D | N/A | N/A | N/A C |
| XXX | 37864869 | XXX | XXX | XXX A | A | A | A | A | A | A |
| XXX | 32136783 | XXX | XXX | XXX D | A | A | A D | A | A | A |
| XXX | 31842269 | XXX | XXX | XXX D A | A | A | A D | A | A | A |
| XXX | 30340919 | XXX | XXX | XXX D A | A | A | A D | A | A | A |
| XXX | 32262888 | XXX | XXX | XXX A D | A | A | A D | A | A | A |
| XXX | 35854214 | XXX | XXX | XXX D B | A | A | A D | A | A | A |
| XXX | 34444337 | XXX | XXX | XXX D A | A | A | A D | A | A | A |
| XXX | 34949175 | XXX | XXX | XXX C A | A | A | A C | A | A | A |
| XXX | 31384651 | XXX | XXX | XXX C A | A | A | A C | A | A | A |
| XXX | 34594157 | XXX | XXX | XXX D | N/A | N/A | N/A C D | N/A | N/A | N/A C |
| XXX | 32333369 | XXX | XXX | XXX A | A | A | A | A | A | A |
| XXX | 32770177 | XXX | XXX | XXX D | N/A C | N/A | N/A C D | N/A | N/A | N/A C |
| XXX | 32101351 | XXX | XXX | XXX D A | A | A | A D | A | A | A |
| XXX | 35570323 | XXX | XXX | XXX D | C | C | C D A | A | A | A |
| XXX | 31042062 | XXX | XXX | XXX D | C | C | C D A | A | A | A |
| XXX | 32684480 | XXX | XXX | XXX A | C | C | C A | A | A | A |
| XXX | 37957840 | XXX | XXX | XXX A B | A | A | A B | A | A | A |
| XXX | 35967612 | XXX | XXX | XXX C A | A | A | A C | A | A | A |
| XXX | 31234343 | XXX | XXX | XXX A D | A | A | A D | A | A | A |
| XXX | 30353069 | XXX | XXX | XXX D A | N/A | N/A | N/A C D | N/A | N/A | N/A C |
| XXX | 38063307 | XXX | XXX | XXX D A | N/A | N/A | N/A C D | N/A | N/A | N/A C |
| XXX | 32347667 | XXX | XXX | XXX A | A | A | A | A | A | A |
| XXX | 30752030 | XXX | XXX | XXX D | A | A | A D | A | A | A |
| XXX | 37714543 | XXX | XXX | XXX D | A | A | A D | A | A | A |
| XXX | 39966330 | XXX | XXX | XXX D | A | A | A D | A | A | A |
| XXX | 39233898 | XXX | XXX | XXX D A | A | A | A D | A | A | A |
| XXX | 36570192 | XXX | XXX | XXX A D | A | A | A D | A | A | A |
| XXX | 30094919 | XXX | XXX | XXX B A | A | A | A B | A | A | A |
| XXX | 37416756 | XXX | XXX | XXX D | A | A | A D | A | A | A |
| XXX | 39561121 | XXX | XXX | XXX A | N/A | N/A | N/A C | N/A | N/A | N/A C |
| XXX | 33147501 | XXX | XXX | XXX A D | A | A | A D | A | A | A |
| XXX | 33326800 | XXX | XXX | XXX C A | A | A | A C | A | A | A |
| XXX | 36296618 | XXX | XXX | XXX D | A | A | A D | A | A | A |
| XXX | 31748869 | XXX | XXX | XXX C A | C | C | C A | A | A | A |
| XXX | 36536688 | XXX | XXX | XXX D A | A | A | A D | A | A | A |
| XXX | 31286138 | XXX | XXX | XXX A | A | A | A | A | A | A |
| XXX | 36111275 | XXX | XXX | XXX A | A | A | A | A | A | A |
| XXX | 38742510 | XXX | XXX | XXX A | A | A | A | A | A | A |
| XXX | 31092592 | XXX | XXX | XXX C D | A | A | A D | A | A | A |
| XXX | 35449563 | XXX | XXX | XXX C A | A | A | A C | A | A | A |
| XXX | 31923775 | XXX | XXX | XXX D | A | A | A D | A | A | A |
| XXX | 34103949 | XXX | XXX | XXX D A | A | A | A D | A | A | A |
| XXX | 32785340 | XXX | XXX | XXX A | A | A | A | A | A | A |
| XXX | 33958729 | XXX | XXX | XXX C A | A | A | A C | A | A | A |
| XXX | 39478526 | XXX | XXX | XXX A D | A | A | A D | A | A | A |
| XXX | 35104010 | XXX | XXX | XXX A | A | A | A | A | A | A |
| XXX | 30048389 | XXX | XXX | XXX D | A | A | A D | A | A | A |
| XXX | 31096481 | XXX | XXX | XXX A | A | A | A | A | A | A |
| XXX | 39952295 | XXX | XXX | XXX D A | A | A | A D | A | A | A |
| XXX | 39901102 | XXX | XXX | XXX D A | C | C | C D B A | B | B | B |
| XXX | 36692406 | XXX | XXX | XXX A | A | A | A | A | A | A |
| XXX | 33783447 | XXX | XXX | XXX C D | A | A | A D | A | A | A |
| XXX | 35028027 | XXX | XXX | XXX A | A | A | A | A | A | A |
| XXX | 35550447 | XXX | XXX | XXX A | C | C | C A | A | A | A |
| XXX | 36858497 | XXX | XXX | XXX C A | A | A | A C | A | A | A |
| XXX | 31101483 | XXX | XXX | XXX C A | A | A | A C B | A | A | A B |
| XXX | 38948120 | XXX | XXX | XXX A | A | A | A | A | A | A |
| XXX | 33185030 | XXX | XXX | XXX A C | A | A | A C | A | A | A |
| XXX | 34151879 | XXX | XXX | XXX D | A | A | A D | A | A | A |
| XXX | 38812877 | XXX | XXX | XXX A | A | A | A | A | A | A |
| XXX | 30315629 | XXX | XXX | XXX C D | A | A | A D | A | A | A |
| XXX | 34176899 | XXX | XXX | XXX D | A | A | A D | A | A | A |
| XXX | 39005384 | XXX | XXX | XXX D A | N/A | N/A | N/A C D | N/A | N/A | N/A C |
| XXX | 33128662 | XXX | XXX | XXX C D | A | A | A D | A | A | A |
| XXX | 36218935 | XXX | XXX | XXX D | A | A | A D | A | A | A |
| XXX | 37954967 | XXX | XXX | XXX B A | A | A | A B | A | A | A |
| XXX | 30514897 | XXX | XXX | XXX A | A | A | A | A | A | A |
| XXX | 35437889 | XXX | XXX | XXX D A | A | A | A D | A | A | A |
| XXX | 32750281 | XXX | XXX | XXX A | A | A | A | A | A | A |
| XXX | 36228316 | XXX | XXX | XXX C D | A | A | A D | A | A | A |
| XXX | 30786697 | XXX | XXX | XXX D A | A | A | A D | A | A | A |
| XXX | 34016681 | XXX | XXX | XXX D A | A | A | A D | A | A | A |
| XXX | 39097325 | XXX | XXX | XXX A | N/A | N/A | N/A C | N/A | N/A | N/A C |

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## Exhibit 99.3

[VISTA POINT ASSETS LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.3 - Schedule 3**

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| | | | |
|:---|:---|:---|:---|
| TPR Firm: | ![](ex99-01.jpg) | Report Date: | 10/2/2025 |
| Client Name: | Vista Point Mortgage | Report: | QM ATR |
| Deal Name: | VSTA 2025-CES3 | Loans in report: | 160 |

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Incenter Loan ID** | **Client Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| XXX | 37590039 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed | Employed | No | No | No |  |
| XXX | 37230401 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | N/A | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed | Not Employed | No | No | No |  |
| XXX | 33008907 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed | Employed | No | No | No |  |
| XXX |  | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | Yes | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A |  | N/A | Employed | Employed | No | No | No |  |
| XXX | 32044938 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | Yes | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 38668014 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | No | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 35431564 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed | Employed | No | No | No |  |
| XXX | 31655461 | XXX | XXX | XXX | ATR/QM: Exempt | ATR/QM: Not Applicable | Yes |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No | No | Yes | Missing |
| XXX | 39411195 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| XXX | 32735494 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | Yes | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 37311411 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed | Not Employed | No | No | No |  |
| XXX | 35438789 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | N/A | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed | Employed | No | No | No |  |
| XXX | 38063067 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| XXX | 35472442 | XXX | XXX | XXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXX | 33153111 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 39160047 | XXX | XXX | XXX | ATR/QM: Exempt | ATR/QM: Not Applicable | Yes |  |  | 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 | Missing |
| XXX | 33606876 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 30174902 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Retired | Retired | No | No | No |  |
| XXX | 39895936 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | Yes | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| XXX | 36513063 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed | Not Employed | No | No | No |  |
| XXX | 30070466 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | Yes | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 31711632 | XXX | XXX | XXX | 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 | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXX | 33961108 | XXX | XXX | XXX | ATR/QM: Exempt | ATR/QM: Not Applicable | Yes |  |  | 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 |
| XXX | 32539676 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A |  | N/A | Employed |  | No |  | No |  |
| XXX | 35819189 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 31677388 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed | Employed | No | No | No |  |
| XXX | 38256107 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 36761175 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 31905595 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| XXX | 34245460 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | No | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 33222443 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | No | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed | Employed | No | No | No |  |
| XXX | 35435860 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A |  | N/A | Employed |  | No |  | No |  |
| XXX | 37282519 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed | Employed | No | No | No |  |
| XXX | 36102016 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed | Employed | No | No | No |  |
| XXX | 32161316 | XXX | XXX | XXX | 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 |
| XXX | 37511938 | XXX | XXX | XXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | Yes | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXX | 31969180 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| XXX | 32083852 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| XXX | 37015624 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed | Employed | No | No | No |  |
| XXX | 33051525 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 32686324 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| XXX | 39827520 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed | Employed | No | No | No |  |
| XXX | 30176550 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 38811910 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 39196196 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed | Employed | No | No | No |  |
| XXX | 33343329 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 38275914 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 33621462 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A |  | N/A | Employed |  | No |  | No |  |
| XXX | 37747843 | XXX | XXX | XXX | 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 | Missing |
| XXX | 33845087 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | No | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 35039704 | XXX | XXX | XXX | 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 |
| XXX | 37105882 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed | Not Employed | No | No | No |  |
| XXX | 30551918 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 34066579 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| XXX | 34159448 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| XXX | 37988768 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 31950536 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | Yes | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 30204680 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| XXX | 38541606 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 33932834 | XXX | XXX | XXX | 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 | No | Yes | Present |
| XXX | 39056414 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed | Employed | No | No | No |  |
| XXX | 37558912 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 54320.75 | Yes | Employed |  | No |  | No |  |
| XXX | 33280512 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 30507290 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| XXX | 38070873 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 36352363 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed | Employed | No | No | No |  |
| XXX | 38205478 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 33277875 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | No | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 35510683 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 35593287 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 32968700 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| XXX | 37635950 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| XXX | 33841176 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 30600703 | XXX | XXX | XXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed | Employed | No | No | No |  |
| XXX | 31392882 | XXX | XXX | XXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| XXX | 35595471 | XXX | XXX | XXX | ATR/QM: Exempt | ATR/QM: Not Applicable | Yes |  |  | 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 |
| XXX | 30637140 | XXX | XXX | XXX | 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 |
| XXX | 31346132 | XXX | XXX | XXX | ATR/QM: Exempt | ATR/QM: Not Applicable | Yes |  |  | 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 |
| XXX | 34554737 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed | Employed | No | No | No |  |
| XXX | 39444502 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| XXX | 35881997 | XXX | XXX | XXX | 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 |
| XXX | 37343521 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed | Employed | No | No | No |  |
| XXX | 37667976 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 38893047 | XXX | XXX | XXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| XXX | 38456250 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| XXX | 39031680 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | Yes | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Not Employed |  | No |  | No |  |
| XXX | 38341088 | XXX | XXX | XXX | 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 |
| XXX | 37864869 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | No | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 32136783 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | Yes | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | No | No | Yes | Yes | N/A |  | N/A | Employed | Employed | No | No | No |  |
| XXX | 31842269 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | No | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A |  | N/A | Employed |  | No |  | No |  |
| XXX | 30340919 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| XXX | 32262888 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 35854214 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed | Not Employed | No | No | No |  |
| XXX | 34444337 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | Yes | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 34949175 | XXX | XXX | XXX | 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 | No | Yes | Present |
| XXX | 31384651 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | No | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 34594157 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A |  | N/A | Employed | Unknown | No | No | No |  |
| XXX | 32333369 | XXX | XXX | XXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXX | 32770177 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed | Employed | No | No | No |  |
| XXX | 32101351 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| XXX | 35570323 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | No | No | No | No | No | Yes | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | No | No | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| XXX | 31042062 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | Yes | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| XXX | 32684480 | XXX | XXX | XXX | 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 |
| XXX | 37957840 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | No | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| XXX | 35967612 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| XXX | 31234343 | XXX | XXX | XXX | ATR/QM: Exempt | ATR/QM: Not Applicable | Yes |  |  | 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 |
| XXX | 30353069 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | No | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 38063307 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed | Not Employed | No | No | No |  |
| XXX | 32347667 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 30752030 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| XXX | 37714543 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 39966330 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 39233898 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | No | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| XXX | 36570192 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| XXX | 30094919 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | No | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed | Employed | No | No | No |  |
| XXX | 37416756 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 39561121 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| XXX | 33147501 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 33326800 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 36296618 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| XXX | 31748869 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| XXX | 36536688 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| XXX | 31286138 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| XXX | 36111275 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | No | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 38742510 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| XXX | 31092592 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | N/A | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed | Not Employed | No | No | No |  |
| XXX | 35449563 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Retired | Retired | No | No | No |  |
| XXX | 31923775 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | N/A | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| XXX | 34103949 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | N/A | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| XXX | 32785340 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | No | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 33958729 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | No | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 39478526 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | N/A | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| XXX | 35104010 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 30048389 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed | Employed | No | No | No |  |
| XXX | 31096481 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | No | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed | Employed | No | No | No |  |
| XXX | 39952295 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 39901102 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 36692406 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 33783447 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed | Not Employed | No | No | No |  |
| XXX | 35028027 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed | Employed | No | No | No |  |
| XXX | 35550447 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 36858497 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| XXX | 31101483 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed | Not Employed | No | No | No |  |
| XXX | 38948120 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed | Not Employed | No | No | No |  |
| XXX | 33185030 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | No | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| XXX | 34151879 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A |  | N/A | Employed |  | No |  | No |  |
| XXX | 38812877 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| XXX | 30315629 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | Yes | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 34176899 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 39005384 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| XXX | 33128662 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | No | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Not Employed | Employed | No | No | No |  |
| XXX | 36218935 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed | Employed | No | No | No |  |
| XXX | 37954967 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| XXX | 30514897 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 35437889 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed | Not Employed | No | No | No |  |
| XXX | 32750281 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed | Employed | No | No | No |  |
| XXX | 36228316 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | No | No | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| XXX | 30786697 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| XXX | 34016681 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| XXX | 39097325 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | No | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | No | No | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |

---

## Exhibit 99.3

[VISTA POINT ASSETS LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.3 - Schedule 4**

---

| | | | |
|:---|:---|:---|:---|
| TPR Firm: | ![](ex99-01.jpg) | Report Date: | 10/2/2025 |
| Client Name: | Vista Point Mortgage | Report: | Final Tape Compare |
| Deal Name: | VSTA 2025-CES3 | Loans in report: | 160 |

---

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Incenter Loan ID** | **Client Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **System Source** | **Reviewer Data** | **Tape Data** |
| XXX | 37230401 | XXX | XXX | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX |
| XXX | 33008907 | XXX | XXX | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX |
| XXX | 31655461 | XXX | XXX | XXX | Prepayment Penalty Calculation | notePage | 5% | 1 Year Prepay |
| XXX | 31655461 | XXX | XXX | XXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXX | XXX |
| XXX | 31655461 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | ATR/QM: Exempt | Non-QM: APOR |
| XXX | 32735494 | XXX | XXX | XXX | Borrower 1 Last Name | notePage | XXX | XXX |
| XXX | 37311411 | XXX | XXX | XXX | Borrower 1 Last Name | notePage | XXX | XXX |
| XXX | 37311411 | XXX | XXX | XXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXX | XXX |
| XXX | 37311411 | XXX | XXX | XXX | Property Type | propertyValuationPage | Single Family Detached | Detached |
| XXX | 37311411 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | QM |
| XXX | 37311411 | XXX | XXX | XXX | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | XXX | XXX |
| XXX | 38063067 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | Non-QM: APOR |
| XXX | 35472442 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | ATR/QM: Exempt | Non-QM: APOR |
| XXX | 35472442 | XXX | XXX | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX |
| XXX | 39160047 | XXX | XXX | XXX | Prepayment Penalty Calculation | notePage | 5% | 1 |
| XXX | 39160047 | XXX | XXX | XXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached |
| XXX | 39160047 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | ATR/QM: Exempt | Non-QM: APOR |
| XXX | 39160047 | XXX | XXX | XXX | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | XXX | XXX |
| XXX | 30174902 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | QM |
| XXX | 39895936 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | Non-QM: APOR |
| XXX | 36513063 | XXX | XXX | XXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXX | XXX |
| XXX | 31711632 | XXX | XXX | XXX | Originator DSCR | diligenceFinalLookPage | XXX | XXX |
| XXX | 33961108 | XXX | XXX | XXX | Prepayment Penalty Calculation | notePage | 6 months interest on amount that exceeds 20% | 1 Year |
| XXX | 32539676 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | Non-QM: APOR |
| XXX | 31677388 | XXX | XXX | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX |
| XXX | 38256107 | XXX | XXX | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX |
| XXX | 36761175 | XXX | XXX | XXX | Property Zip Code | notePage | XXX | XXX |
| XXX | 36761175 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | qm |
| XXX | 36761175 | XXX | XXX | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX |
| XXX | 31905595 | XXX | XXX | XXX | Occupancy | the1003Page | Primary Residence | Second |
| XXX | 31905595 | XXX | XXX | XXX | Lien Position | TitlePage | 2 | 1 |
| XXX | 31905595 | XXX | XXX | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX |
| XXX | 34245460 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | Non-QM: APOR |
| XXX | 33222443 | XXX | XXX | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX |
| XXX | 35435860 | XXX | XXX | XXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXX | XXX |
| XXX | 35435860 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | QM |
| XXX | 35435860 | XXX | XXX | XXX | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | XXX | XXX |
| XXX | 32161316 | XXX | XXX | XXX | Property City | notePage | XXX | XXX |
| XXX | 32161316 | XXX | XXX | XXX | Prepayment Penalty Calculation | notePage | 5% | 1 |
| XXX | 32161316 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | ATR/QM: Exempt | Non-QM: APOR |
| XXX | 37511938 | XXX | XXX | XXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXX | XXX |
| XXX | 37511938 | XXX | XXX | XXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached |
| XXX | 37511938 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | ATR/QM: Exempt | Non-QM: APOR |
| XXX | 32083852 | XXX | XXX | XXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached |
| XXX | 37015624 | XXX | XXX | XXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXX | XXX |
| XXX | 37015624 | XXX | XXX | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX |
| XXX | 37015624 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | Non-QM: APOR |
| XXX | 37015624 | XXX | XXX | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX |
| XXX | 33051525 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | Non-QM: APOR |
| XXX | 33051525 | XXX | XXX | XXX | Underwriting Guideline Name | businessPurposeApprovalandGuidelinePage | XXX | XXX |
| XXX | 32686324 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | Non-QM: APOR |
| XXX | 39827520 | XXX | XXX | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX |
| XXX | 30176550 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | Non-QM: APOR |
| XXX | 39196196 | XXX | XXX | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX |
| XXX | 39196196 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | Non-QM: APOR |
| XXX | 33343329 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | Non-QM: APOR |
| XXX | 33621462 | XXX | XXX | XXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached |
| XXX | 37747843 | XXX | XXX | XXX | Prepayment Penalty Calculation | notePage | 5% | No Prepayment Penalty |
| XXX | 37747843 | XXX | XXX | XXX | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | Alt |
| XXX | 33845087 | XXX | XXX | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX |
| XXX | 34066579 | XXX | XXX | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX |
| XXX | 34066579 | XXX | XXX | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX |
| XXX | 34066579 | XXX | XXX | XXX | QM Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX |
| XXX | 34159448 | XXX | XXX | XXX | Property Address | notePage | XXX | XXX |
| XXX | 34159448 | XXX | XXX | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX |
| XXX | 34159448 | XXX | XXX | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX |
| XXX | 37988768 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | Non-QM: APOR |
| XXX | 31950536 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | Non-QM: APOR |
| XXX | 30204680 | XXX | XXX | XXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXX | XXX |
| XXX | 38541606 | XXX | XXX | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX |
| XXX | 33932834 | XXX | XXX | XXX | Prepayment Penalty Calculation | notePage | 5% | 3% |
| XXX | 33932834 | XXX | XXX | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX |
| XXX | 33932834 | XXX | XXX | XXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached |
| XXX | 33932834 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | ATR/QM: Exempt | Non-QM: APOR |
| XXX | 33280512 | XXX | XXX | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX |
| XXX | 30507290 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | Non-QM: APOR |
| XXX | 36352363 | XXX | XXX | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX |
| XXX | 35510683 | XXX | XXX | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX |
| XXX | 35593287 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | Non-QM: APOR |
| XXX | 37635950 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | QM |
| XXX | 37635950 | XXX | XXX | XXX | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | XXX | XXX |
| XXX | 30600703 | XXX | XXX | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX |
| XXX | 31392882 | XXX | XXX | XXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXX | XXX |
| XXX | 31392882 | XXX | XXX | XXX | Property Type | propertyValuationPage | Two to Four Unit | Detached |
| XXX | 31392882 | XXX | XXX | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX |
| XXX | 35595471 | XXX | XXX | XXX | Prepayment Penalty Calculation | notePage | 5% | 1 Year Prepay |
| XXX | 35595471 | XXX | XXX | XXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached |
| XXX | 35595471 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | ATR/QM: Exempt | Non-QM: APOR |
| XXX | 30637140 | XXX | XXX | XXX | Prepayment Penalty Calculation | notePage | 5% | 1 Year Prepay |
| XXX | 30637140 | XXX | XXX | XXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached |
| XXX | 30637140 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | ATR/QM: Exempt | Non-QM: APOR |
| XXX | 31346132 | XXX | XXX | XXX | Note Date | notePage | XXX | XXX |
| XXX | 31346132 | XXX | XXX | XXX | First Payment Date | notePage | XXX | XXX |
| XXX | 31346132 | XXX | XXX | XXX | Maturity Date | notePage | XXX | XXX |
| XXX | 31346132 | XXX | XXX | XXX | Interest Only Flag | notePage | No | Y |
| XXX | 31346132 | XXX | XXX | XXX | Lien Position | TitlePage | 2 | 1 |
| XXX | 31346132 | XXX | XXX | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX |
| XXX | 34554737 | XXX | XXX | XXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached |
| XXX | 35881997 | XXX | XXX | XXX | Prepayment Penalty Calculation | notePage | 5% | 3% |
| XXX | 35881997 | XXX | XXX | XXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached |
| XXX | 37343521 | XXX | XXX | XXX | Note Date | notePage | XXX | XXX |
| XXX | 38893047 | XXX | XXX | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX |
| XXX | 38456250 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | Non-QM: APOR |
| XXX | 38341088 | XXX | XXX | XXX | Originator DSCR | diligenceFinalLookPage | XXX | XXX |
| XXX | 32136783 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | Non-QM: APOR |
| XXX | 30340919 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | Non-QM: APOR |
| XXX | 32262888 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | Non-QM: APOR |
| 724073 | 34949175 | 724073 | 724073 | 724073 | Prepayment Penalty Calculation | notePage | 6 months interest on amount that exceeds 20% | 1 Year |
| XXX | 32770177 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | QM |
| XXX | 35570323 | XXX | XXX | XXX | Prepayment Penalty Calculation | notePage | 5% | 1 |
| XXX | 35570323 | XXX | XXX | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX |
| XXX | 35570323 | XXX | XXX | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX |
| XXX | 35570323 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | Non-QM: APOR |
| XXX | 35570323 | XXX | XXX | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX |
| XXX | 31042062 | XXX | XXX | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX |
| XXX | 31042062 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | Non-QM: APOR |
| XXX | 31042062 | XXX | XXX | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX |
| XXX | 32684480 | XXX | XXX | XXX | Prepayment Penalty Calculation | notePage | 5% | 3% |
| XXX | 32684480 | XXX | XXX | XXX | Property Type | propertyValuationPage | Two to Four Unit | Attached |
| XXX | 32684480 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | ATR/QM: Exempt | Non-QM: APOR |
| XXX | 32684480 | XXX | XXX | XXX | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | XXX | XXX |
| XXX | 37957840 | XXX | XXX | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX |
| XXX | 31234343 | XXX | XXX | XXX | Prepayment Penalty Calculation | notePage | 5% | 3% |
| XXX | 31234343 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | ATR/QM: Exempt | Non-QM: APOR |
| XXX | 30752030 | XXX | XXX | XXX | Property Value | propertyValuationPage | XXX | XXX |
| XXX | 30752030 | XXX | XXX | XXX | Verified Doc Type | employmentIncomePage | Business P&L | Other Bank Statements |
| XXX | 30752030 | XXX | XXX | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX |
| XXX | 37714543 | XXX | XXX | XXX | Property Value | propertyValuationPage | XXX | XXX |
| XXX | 39966330 | XXX | XXX | XXX | Loan Type | the1003Page | Other | Conventional |
| XXX | 39966330 | XXX | XXX | XXX | Property Value | propertyValuationPage | XXX | XXX |
| XXX | 39966330 | XXX | XXX | XXX | Amount of Other Lien | titlePage | XXX | XXX |
| XXX | 39233898 | XXX | XXX | XXX | Loan Type | the1003Page | Other | Conventional |
| XXX | 36570192 | XXX | XXX | XXX | Loan Type | the1003Page | Other | Conventional |
| XXX | 36570192 | XXX | XXX | XXX | Verified Doc Type | employmentIncomePage | Business P&L | Other Bank Statements |
| XXX | 30094919 | XXX | XXX | XXX | Note Date | notePage | XXX | XXX |
| XXX | 30094919 | XXX | XXX | XXX | Property Value | propertyValuationPage | XXX | XXX |
| XXX | 37416756 | XXX | XXX | XXX | Note Date | notePage | XXX | XXX |
| XXX | 39561121 | XXX | XXX | XXX | Note Date | notePage | XXX | XXX |
| XXX | 39561121 | XXX | XXX | XXX | Verified Doc Type | employmentIncomePage | Business P&L | Other Bank Statements |
| XXX | 36296618 | XXX | XXX | XXX | Loan Type | the1003Page | Other | Conventional |
| XXX | 36296618 | XXX | XXX | XXX | Note Date | notePage | XXX | XXX |
| XXX | 31748869 | XXX | XXX | XXX | Note Date | notePage | XXX | XXX |
| XXX | 31748869 | XXX | XXX | XXX | Amount of Other Lien | titlePage | XXX | XXX |
| XXX | 36536688 | XXX | XXX | XXX | Note Date | notePage | XXX | XXX |
| XXX | 31286138 | XXX | XXX | XXX | Note Date | notePage | XXX | XXX |
| XXX | 31286138 | XXX | XXX | XXX | Property Value | propertyValuationPage | XXX | XXX |
| XXX | 36111275 | XXX | XXX | XXX | Property Value | propertyValuationPage | XXX | XXX |
| XXX | 38742510 | XXX | XXX | XXX | Loan Type | the1003Page | Other | Conventional |
| XXX | 38742510 | XXX | XXX | XXX | Refinance Type | the1003Page | Cash Out - Debt Consolidation | Limited Cash Out - <2% of Loan Amount or $2000 |
| XXX | 31092592 | XXX | XXX | XXX | Initial Monthly P&I Or IO Payment | notePage | XXX | XXX |
| XXX | 31092592 | XXX | XXX | XXX | Interest Rate | notePage | 8.875 | 6.8490 |
| XXX | 31092592 | XXX | XXX | XXX | Amortization Term | notePage | 360 | Provisionally Eligible |
| XXX | 31092592 | XXX | XXX | XXX | Occupancy | the1003Page | Primary Residence | Other |
| XXX | 31092592 | XXX | XXX | XXX | Property Value | propertyValuationPage | XXX | XXX |
| XXX | 31092592 | XXX | XXX | XXX | Amount of Other Lien | titlePage | XXX | XXX |
| XXX | 31092592 | XXX | XXX | XXX | Primary Appraised Property Value | propertyValuationPage | XXX | XXX |
| XXX | 31092592 | XXX | XXX | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX |
| XXX | 31092592 | XXX | XXX | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX |
| XXX | 31092592 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | 701390 |
| XXX | 35449563 | XXX | XXX | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX |
| XXX | 31923775 | XXX | XXX | XXX | Property Value | propertyValuationPage | XXX | XXX |
| XXX | 31923775 | XXX | XXX | XXX | Property Type | propertyValuationPage | Single Family Detached | PUD |
| XXX | 34103949 | XXX | XXX | XXX | Loan Type | the1003Page | Other | Conventional |
| XXX | 34103949 | XXX | XXX | XXX | Interest Rate | notePage | 8.875 | 29.4120 |
| XXX | 34103949 | XXX | XXX | XXX | Initial Monthly P&I Or IO Payment | notePage | XXX | XXX |
| XXX | 34103949 | XXX | XXX | XXX | Property Value | propertyValuationPage | XXX | XXX |
| XXX | 34103949 | XXX | XXX | XXX | Occupancy | the1003Page | Primary Residence | Other |
| XXX | 34103949 | XXX | XXX | XXX | Amount of Other Lien | titlePage | XXX | XXX |
| XXX | 34103949 | XXX | XXX | XXX | Amortization Term | notePage | 360 | Provisionally Eligible |
| XXX | 34103949 | XXX | XXX | XXX | Primary Appraised Property Value | propertyValuationPage | XXX | XXX |
| XXX | 34103949 | XXX | XXX | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX |
| XXX | 34103949 | XXX | XXX | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX |
| XXX | 34103949 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | 753159 |
| XXX | 32785340 | XXX | XXX | XXX | Note Date | notePage | XXX | XXX |
| XXX | 33958729 | XXX | XXX | XXX | Note Date | notePage | XXX | XXX |
| XXX | 39478526 | XXX | XXX | XXX | Initial Monthly P&I Or IO Payment | notePage | XXX | XXX |
| XXX | 39478526 | XXX | XXX | XXX | Interest Rate | notePage | 9.5 | 15.5000 |
| XXX | 39478526 | XXX | XXX | XXX | Property Value | propertyValuationPage | XXX | XXX |
| XXX | 39478526 | XXX | XXX | XXX | Occupancy | the1003Page | Primary Residence | Other |
| XXX | 39478526 | XXX | XXX | XXX | Amortization Term | notePage | 360 | Provisionally Eligible |
| XXX | 39478526 | XXX | XXX | XXX | Amount of Other Lien | titlePage | XXX | XXX |
| XXX | 39478526 | XXX | XXX | XXX | Primary Appraised Property Value | propertyValuationPage | XXX | XXX |
| XXX | 39478526 | XXX | XXX | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX |
| XXX | 39478526 | XXX | XXX | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX |
| XXX | 39478526 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | 806492.3 |
| XXX | 35104010 | XXX | XXX | XXX | Note Date | notePage | XXX | XXX |
| XXX | 35104010 | XXX | XXX | XXX | Property Value | propertyValuationPage | XXX | XXX |
| XXX | 35104010 | XXX | XXX | XXX | Refinance Type | the1003Page | Cash Out - Other | Limited Cash Out - <2% of Loan Amount or $2000 |
| XXX | 30048389 | XXX | XXX | XXX | Amount of Other Lien | titlePage | XXX | XXX |
| XXX | 31096481 | XXX | XXX | XXX | First Payment Date | notePage | XXX | XXX |
| XXX | 31096481 | XXX | XXX | XXX | Property Value | propertyValuationPage | XXX | XXX |
| XXX | 39952295 | XXX | XXX | XXX | Property Value | propertyValuationPage | XXX | XXX |
| XXX | 39901102 | XXX | XXX | XXX | Interest Rate | notePage | 8.5 | 17.6060 |
| XXX | 39901102 | XXX | XXX | XXX | Initial Monthly P&I Or IO Payment | notePage | XXX | XXX |
| XXX | 39901102 | XXX | XXX | XXX | Property Value | propertyValuationPage | XXX | XXX |
| XXX | 39901102 | XXX | XXX | XXX | Occupancy | the1003Page | Second Home | Other |
| XXX | 39901102 | XXX | XXX | XXX | Amortization Term | notePage | 360 | Provisionally Eligible |
| XXX | 39901102 | XXX | XXX | XXX | Amount of Other Lien | titlePage | XXX | XXX |
| XXX | 39901102 | XXX | XXX | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX |
| XXX | 39901102 | XXX | XXX | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX |
| XXX | 39901102 | XXX | XXX | XXX | Primary Appraised Property Value | propertyValuationPage | XXX | XXX |
| XXX | 39901102 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | 1779623 |
| XXX | 36692406 | XXX | XXX | XXX | Note Date | notePage | XXX | XXX |
| XXX | 36692406 | XXX | XXX | XXX | First Payment Date | notePage | XXX | XXX |
| XXX | 36692406 | XXX | XXX | XXX | Property Value | propertyValuationPage | XXX | XXX |
| XXX | 36692406 | XXX | XXX | XXX | Verified Doc Type | employmentIncomePage | Business P&L | Other Bank Statements |
| XXX | 33783447 | XXX | XXX | XXX | Note Date | notePage | XXX | XXX |
| XXX | 33783447 | XXX | XXX | XXX | Property Value | propertyValuationPage | XXX | XXX |
| XXX | 33783447 | XXX | XXX | XXX | Amount of Other Lien | titlePage | XXX | XXX |
| XXX | 33783447 | XXX | XXX | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX |
| XXX | 35550447 | XXX | XXX | XXX | Note Date | notePage | XXX | XXX |
| XXX | 36858497 | XXX | XXX | XXX | Loan Type | the1003Page | Other | Conventional |
| XXX | 36858497 | XXX | XXX | XXX | Amount of Other Lien | titlePage | XXX | XXX |
| XXX | 36858497 | XXX | XXX | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX |
| XXX | 38948120 | XXX | XXX | XXX | Note Date | notePage | XXX | XXX |
| XXX | 33185030 | XXX | XXX | XXX | Loan Type | the1003Page | Other | Conventional |
| XXX | 33185030 | XXX | XXX | XXX | Note Date | notePage | XXX | XXX |
| XXX | 33185030 | XXX | XXX | XXX | Property Value | propertyValuationPage | XXX | XXX |
| XXX | 33185030 | XXX | XXX | XXX | Amount of Other Lien | titlePage | XXX | XXX |
| XXX | 34151879 | XXX | XXX | XXX | Loan Type | the1003Page | Other | Conventional |
| XXX | 34151879 | XXX | XXX | XXX | Note Date | notePage | XXX | XXX |
| XXX | 34151879 | XXX | XXX | XXX | Refinance Type | the1003Page | Cash Out - Other | Limited Cash Out - <2% of Loan Amount or $2000 |
| XXX | 34151879 | XXX | XXX | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX |
| XXX | 38812877 | XXX | XXX | XXX | Note Date | notePage | XXX | XXX |
| XXX | 38812877 | XXX | XXX | XXX | Property Value | propertyValuationPage | XXX | XXX |
| XXX | 34176899 | XXX | XXX | XXX | Loan Type | the1003Page | Other | Conventional |
| XXX | 34176899 | XXX | XXX | XXX | Property Type | propertyValuationPage | PUD | Single Family Detached |
| XXX | 34176899 | XXX | XXX | XXX | Verified Doc Type | employmentIncomePage | Business P&L | Full Doc |
| XXX | 39005384 | XXX | XXX | XXX | Amount of Other Lien | titlePage | XXX | XXX |
| XXX | 39005384 | XXX | XXX | XXX | Verified Doc Type | employmentIncomePage | Business P&L | Other Bank Statements |
| XXX | 33128662 | XXX | XXX | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX |
| XXX | 33128662 | XXX | XXX | XXX | Primary Appraised Property Value | propertyValuationPage | XXX | XXX |
| XXX | 36218935 | XXX | XXX | XXX | Loan Type | the1003Page | Other | Conventional |
| XXX | 36218935 | XXX | XXX | XXX | Initial Monthly P&I Or IO Payment | notePage | XXX | XXX |
| XXX | 36218935 | XXX | XXX | XXX | Borrower 1 Last Name | notePage | XXX | XXX |
| XXX | 36218935 | XXX | XXX | XXX | Amount of Other Lien | titlePage | XXX | XXX |
| XXX | 36218935 | XXX | XXX | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX |
| XXX | 36218935 | XXX | XXX | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX |
| XXX | 36218935 | XXX | XXX | XXX | Property Type | propertyValuationPage | PUD | Single Family Detached |
| XXX | 37954967 | XXX | XXX | XXX | Loan Type | the1003Page | Other | Conventional |
| XXX | 37954967 | XXX | XXX | XXX | Note Date | notePage | XXX | XXX |
| XXX | 37954967 | XXX | XXX | XXX | Amount of Other Lien | titlePage | XXX | XXX |
| XXX | 37954967 | XXX | XXX | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX |
| XXX | 30514897 | XXX | XXX | XXX | Amount of Other Lien | titlePage | XXX | XXX |
| XXX | 35437889 | XXX | XXX | XXX | Verified Doc Type | employmentIncomePage | Business P&L | Other Bank Statements |
| XXX | 32750281 | XXX | XXX | XXX | Loan Type | the1003Page | Other | Conventional |
| XXX | 32750281 | XXX | XXX | XXX | Note Date | notePage | XXX | XXX |
| XXX | 32750281 | XXX | XXX | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX |
| XXX | 36228316 | XXX | XXX | XXX | Note Date | notePage | XXX | XXX |
| XXX | 36228316 | XXX | XXX | XXX | Verified Doc Type | employmentIncomePage | Business P&L | Other Bank Statements |
| XXX | 30786697 | XXX | XXX | XXX | Loan Type | the1003Page | Other | Conventional |
| XXX | 34016681 | XXX | XXX | XXX | Loan Type | the1003Page | Other | Conventional |
| XXX | 34016681 | XXX | XXX | XXX | Amount of Other Lien | titlePage | XXX | XXX |
| XXX | 34016681 | XXX | XXX | XXX | Verified Doc Type | employmentIncomePage | Business P&L | Other Bank Statements |
| XXX | 39097325 | XXX | XXX | XXX | Verified Doc Type | employmentIncomePage | Business P&L | Other Bank Statements |

---

## Exhibit 99.3

[VISTA POINT ASSETS LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.3 - Schedule 5**

---

| | | | |
|:---|:---|:---|:---|
| TPR Firm: | ![](ex99-01.jpg) | Report Date: | 10/2/2025 |
| Client Name: | Vista Point Mortgage | Report: | Valuation Summary |
| Deal Name: | VSTA 2025-CES3 | Loans in report: | 160 |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Client Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraisal Company** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 37590039 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | AVM | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .2415 | Desk Review | XXX | XXX |  |  | XXX | XXX | .2415 | XXX | 1004 URAR | XXX | XXX |  | 86 | 0.14 | XXX | XXX | XXX | XXX | XXX | .2415 | XXX | LOW RISK | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  | Not Eligible | 3.2 | XXX |
| 37230401 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | -.0625 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | -.0625 | XXX | LOW RISK | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  | 2.6 | XXX |
| 33008907 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  | 1 | XXX |
| 36691591 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  | 1 | XXX |
| 32044938 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | .0000 | XXX | LOW RISK | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  | 1 | XXX |
| 38668014 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  | 1 | XXX |
| 35431564 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX | -.0956 | 88.0 | 0.12 | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  | 1 | XXX |
| 31655461 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | .0000 | XXX | LOW RISK | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  | 1 | XXX |
| 39411195 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | .0000 | XXX | LOW RISK | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  | 2.7 | XXX |
| 32735494 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  | 1 | XXX |
| 37311411 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  | 3.5 | 06-09-2025 | Not Eligible | 1.2 | XXX |
| 35438789 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | AVM | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  | 90 | 0.1 | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |
| 38063067 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  | Eligible | 1 | XXX |
| 35472442 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  | 1.2 | XXX |
| 33153111 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | AVM | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  | 91 | 0.09 | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |
| 39160047 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |
| 33606876 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  | 2.5 | XXX |
| 30174902 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX | -.1367 | 74.0 | 0.26 | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  | 2.9 | XXX |
| 39895936 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  | 1 | XXX |
| 36513063 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | AVM | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  | 91 | 0.09 | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |
| 30070466 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  | 1.1 | XXX |
| 31711632 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | AVM | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  | 94 | 0.06 | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |
| 33961108 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | .0000 | XXX | MODERATE RISK | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  | 3.7 | XXX |
| 32539676 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  | 1 | XXX |
| 35819189 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | AVM | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  | 94 | 0.06 | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |
| 31677388 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |
| 38256107 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |
| 36761175 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | AVM | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .1055 | AVM | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX | .1055 | 90.0 | 0.1 | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |
| 31905595 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual Condo Report | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  | 2.9 | XXX |
| 34245460 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  | 1 | XXX |
| 33222443 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  | 1 | XXX |
| 35435860 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |
| 37282519 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  | 1.9 | XXX |
| 36102016 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  | 1.4 | XXX |
| 32161316 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  | 1 | XXX |
| 37511938 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | .0000 | XXX | LOW RISK | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |
| 31969180 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | AVM | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  | 92 | 0.08 | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |
| 32083852 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | AVM | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  | 95 | 0.05 | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |
| 37015624 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  | 1.1 | XXX |
| 33051525 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  | 2.6 | XXX |
| 32686324 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  | 1.5 | XXX |
| 39827520 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  | 1 | XXX |
| 30176550 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | AVM | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  | 90 | 0.1 | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |
| 38811910 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  | 1.6 | XXX |
| 39196196 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | AVM | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  | 92 | 0.08 | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |
| 33343329 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | .0000 | XXX | LOW RISK | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  | 2.7 | XXX |
| 38275914 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | .0000 | XXX | LOW RISK | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  | 4.3 | XXX |
| 33621462 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |
| 37747843 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | .0000 | XXX | LOW RISK | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  | Eligible | 1.5 | XXX |
| 33845087 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | .0000 | XXX | LOW RISK | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |
| 35039704 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |
| 37105882 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  | 1 | XXX |
| 30551918 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | AVM | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  | 94 | 0.06 | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |
| 34066579 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Loan Collateral Advisor (LCA) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | .0000 | XXX | MODERATE RISK | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  | 4 | 04-21-2025 | Not Eligible | 4.6 | XXX |
| 34159448 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  | 4 | 04-21-2025 | Not Eligible | 3.8 | XXX |
| 37988768 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  | 1 | XXX |
| 31950536 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  | 1 | XXX |
| 30204680 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | .0000 | XXX | LOW RISK | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  | 4.5 | XXX |
| 38541606 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  | Eligible | 1.6 | XXX |
| 33932834 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | .0000 | XXX | LOW RISK | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |
| 39056414 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  | Not Eligible | 1.6 | XXX |
| 37558912 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |
| 33280512 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  | Eligible | 1 | XXX |
| 30507290 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | .0000 | XXX | LOW RISK | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  | 1 | XXX |
| 38070873 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  | 1 | XXX |
| 36352363 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | .0000 | XXX | LOW RISK | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |
| 38205478 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  | 2.6 | XXX |
| 33277875 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |
| 35510683 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  | 1 | XXX |
| 35593287 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | AVM | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  | 91 | 0.09 | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |
| 32968700 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | AVM | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  | 89 | 0.11 | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |
| 37635950 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  | 1 | XXX |
| 33841176 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  | 1.9 | XXX |
| 30600703 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  | 1 | XXX |
| 31392882 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |
| 35595471 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |
| 30637140 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  | 0 | XXX |
| 31346132 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | .0000 | XXX | LOW RISK | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |
| 34554737 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | .0000 | XXX | MODERATE RISK | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |
| 39444502 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  | 4 | 08-22-2025 | Not Eligible | 1.6 | XXX |
| 35881997 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | .0000 | XXX | LOW RISK | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |
| 37343521 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  | 3.4 | XXX |
| 37667976 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | AVM | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  | 91 | 0.09 | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |
| 38893047 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  | 1 | XXX |
| 38456250 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  | 1 | XXX |
| 39031680 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  | 3 | 08-04-2025 | Not Eligible | 2.6 | XXX |
| 38341088 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |
| 37864869 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  | 1 | XXX |
| 32136783 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  | 1.7 | XXX |
| 31842269 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | .0000 | XXX | MODERATE RISK | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  | 3.5 | XXX |
| 30340919 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | -.0938 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | -.0938 | XXX | LOW RISK | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  | 1.7 | XXX |
| 32262888 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  | 1.4 | XXX |
| 35854214 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  | 1 | XXX |
| 34444337 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | .0000 | XXX | LOW RISK | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  | 2.6 | XXX |
| 34949175 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | .0000 | XXX | LOW RISK | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  | 4.3 | XXX |
| 31384651 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  | 2.2 | XXX |
| 34594157 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | AVM | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  | 93 | 0.07 | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |
| 32333369 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  | 1 | XXX |
| 32770177 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  | Eligible | 3.5 | XXX |
| 32101351 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  | 1 | XXX |
| 35570323 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  | 1 | 07-30-2025 | Eligible | 1 | XXX |
| 31042062 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  | Eligible | 1 | XXX |
| 32684480 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | .0000 | XXX | LOW RISK | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |
| 37957840 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  | 1 | XXX |
| 35967612 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  | 2 | XXX |
| 31234343 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | .0000 | XXX | LOW RISK | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |
| 30353069 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | AVM | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  | 90 | 0.1 | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |
| 38063307 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  | Eligible | 2.5 | XXX |
| 32347667 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | .0000 | XXX | MODERATE RISK | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  | 1.1 | XXX |
| 30752030 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  | 5 | 04-28-2025 | Not Eligible | 1.8 | XXX |
| 37714543 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | .0000 | XXX | MODERATE RISK | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  | 4.5 | XXX |
| 39966330 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | .0000 | XXX | LOW RISK | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  | 3.6 | XXX |
| 39233898 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  | 1 | XXX |
| 36570192 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  | 1 | XXX |
| 30094919 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | .0000 | XXX | Moderate | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  | 2.9 | XXX |
| 37416756 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  | 1.3 | XXX |
| 39561121 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |
| 33147501 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  | Eligible | 1.1 | XXX |
| 33326800 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  | Eligible | 1.4 | XXX |
| 36296618 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  | 1.5 | 07-23-2025 | Eligible | 1.5 | XXX |
| 31748869 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | .0000 | XXX | LOW RISK | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  | Eligible | 4.3 | XXX |
| 36536688 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  | 2 | 07-30-2025 | Eligible | 1.9 | XXX |
| 31286138 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | .0000 | XXX | LOW RISK | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  | 2.6 | XXX |
| 36111275 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  | 1 | XXX |
| 38742510 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  | 3 | 07-29-2025 | Not Eligible | 1 | XXX |
| 31092592 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  | 1.6 | XXX |
| 35449563 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  | 2.5 | 04-07-2025 | Eligible | 1 | XXX |
| 31923775 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | .0000 | XXX | LOW RISK | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  | 1.2 | XXX |
| 34103949 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  | Not Eligible | 3.2 | XXX |
| 32785340 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  | 1 | 05-20-2025 | Eligible | 2.6 | XXX |
| 33958729 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  | 1.7 | XXX |
| 39478526 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual Condo Report | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  | 1.4 | XXX |
| 35104010 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  | 2.5 | 05-29-2025 | Eligible | 1 | XXX |
| 30048389 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Loan Collateral Advisor (LCA) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | .0000 | XXX | MODERATE RISK | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  | 3.5 | 06-10-2025 | Eligible | 1.6 | XXX |
| 31096481 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | .0000 | XXX | LOW RISK | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  | 2.6 | XXX |
| 39952295 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  | 1.3 | XXX |
| 39901102 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  | 1.6 | XXX |
| 36692406 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  | 1 | 05-16-2025 | Eligible | 1 | XXX |
| 33783447 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  | 1 | 06-02-2025 | Eligible | 1 | XXX |
| 35028027 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  | 1 | XXX |
| 35550447 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | -.0138 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  | 3.5 | XXX |
| 36858497 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  | 1 | 06-17-2025 | Eligible | 1 | XXX |
| 31101483 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | .0000 | XXX | MODERATE RISK | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  | 5 | XXX |
| 38948120 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | .0000 | XXX | LOW RISK | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  | 2.5 | XXX |
| 33185030 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  | 1 | XXX |
| 34151879 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  | 2 | 06-12-2025 | Eligible | 1.2 | XXX |
| 38812877 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  | 1 | XXX |
| 30315629 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  | 1 | XXX |
| 34176899 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Loan Collateral Advisor (LCA) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | .0000 | XXX | LOW RISK | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  | 4 | 07-02-2025 | Not Eligible | 3.3 | XXX |
| 39005384 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |
| 33128662 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  | 1 | XXX |
| 36218935 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | .0000 | XXX | LOW RISK | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  | Eligible | 2.6 | XXX |
| 37954967 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | .0000 | XXX | MODERATE RISK | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  | Eligible | 2.6 | XXX |
| 30514897 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  | 1 | XXX |
| 35437889 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | .0000 | XXX | LOW RISK | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  | Not Eligible | 2.8 | XXX |
| 32750281 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  | 1 | 07-10-2025 | Eligible | 1 | XXX |
| 36228316 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | .0000 | XXX | LOW RISK | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  | Eligible | 2.6 | XXX |
| 30786697 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | .0000 | XXX | LOW RISK | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  | Not Eligible | 3.6 | XXX |
| 34016681 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  | Not Eligible | 1.4 | XXX |
| 39097325 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  | Not Eligible | 4.6 | XXX |

---

## Exhibit 99.3

[VISTA POINT ASSETS LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.3 - Schedule 6**

---

| | | | |
|:---|:---|:---|:---|
| TPR Firm: | ![](ex99-01.jpg) | Report Date: | 10/2/2025 |
| Client Name: | Vista Point Mortgage | Report: | Supplemental Data |
| Deal Name: | VSTA 2025-CES3 | Loans in report: | 160 |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 78 | 79 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 110 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 159 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 213 | 214 | 215 | 216 | 217 | 218 | 219 | 220 | 221 | 222 | 223 | 224 | 225 | 226 | 227 | 228 | 229 | 230 | 231 | 232 | 233 | 234 | 235 | 236 | 237 | 238 | 239 | 240 | 241 | 242 | 243 | 244 | 245 | 246 | 247 | 248 | 249 | 250 | 251 | 252 | 253 | 254 | 255 | 256 | 257 | 258 | 259 | 260 | 261 |
| **Incenter Loan ID** | **Client Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Questionnaire Flag** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Borrower Months of Paystubs Verified** | **Co Borrower Months of Paystubs Verified** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Borrower Award/Offer Letter** | **Co Borrower Award/Offer Letter** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **Borrower CPA Letter Flag** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower WVOE Flag** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower WVOE Flag** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Co Borrower 2 FICO** | **Most Recent Co Borrower 3 FICO** | **Updated Credit Report Flag** | **Updated Credit Report Date** | **Updated FICO Method** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Updated Primary Borrower FICO** | **Updated Co Borrower FICO** | **Updated Co Borrower 2 FICO** | **Updated Co Borrower 3 FICO** | **Updated Qualifying FICO** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Lates 30d in 0-12m** | **Prior Mortgage/Rent Lates 60d in 0-12m** | **Prior Mortgage/Rent Lates 90d in 0-12m** | **Prior Mortgage/Rent Lates 120d+ in 0-12m** | **Prior Mortgage/Rent Lates 30d in 13-24m** | **Prior Mortgage/Rent Lates 60d in 13-24m** | **Prior Mortgage/Rent Lates 90d in 13-24m** | **Prior Mortgage/Rent Lates 120d+ in 13-24m** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Subordinate Lien Max Draw Amount (HELOC)** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Leasehold Lease Expiration Date** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves (ASF)** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **E-Note Flag** | **O&E in lieu of Title Insurance** | **Business Purpose Flag** | **Borrower Note Executed As** | **Co Borrower Note Executed As** | **Co Borrower 2 Note Executed As** | **Co Borrower 3 Note Executed As** |
| XXX | 37590039 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 04/23/2025 | 6.810% | Manual Underwriting |  | No | 12.262% |  | 11.500% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | Yes | No |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | Full Doc | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 2 | 0 | 2 | 2 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | Yes | 164 | Yes | 21 | 21 | FNMA 1005 | NA | 0 | 0 | N/A | No | XXX | XXX |  | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - SESCorp - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1), CPA Letter Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1), 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 37230401 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 05/14/2025 | 6.800% | Manual Underwriting |  | No | 9.482% |  | 9.125% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX | Monthly | XXX | XXX | XXX | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | N/A | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | XXX | XXX |  | Borrower - SESCorp - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower | Borrower - 2024, 2025 \|\| Co Borrower | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 33008907 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 05/01/2025 | 6.880% | Manual Underwriting |  | No | 9.883% |  | 9.500% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX | Monthly | XXX | XXX | XXX | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 2 | 24 | Work Number | Yes | 7 | 92 | Work Number | No | XXX | XXX |  | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, Executed 4506T Verified, IRS Transcripts Verified - 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, Executed 4506T Verified, IRS Transcripts Verified - 2024, 2025 | Borrower - Executed 4506T Verified, IRS Transcripts Verified - 2024, 2025 \|\| Co Borrower - Executed 4506T Verified, IRS Transcripts Verified - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 36691591 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 04/30/2025 | 6.880% | Manual Underwriting |  | No | 11.703% |  | 11.250% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX | Monthly | XXX | XXX | XXX | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 1 | 51 | Work Number | NA | 0 | 0 | N/A | No | XXX | XXX |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified - 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified - 2024, 2025 | Borrower - 2024, 2025 \|\| Co Borrower - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 32044938 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 05/19/2025 | 6.870% | Manual Underwriting |  | No | 11.038% |  | 10.875% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 67.43% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 222 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified, Lease Agreements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 11 | XXX | XXX | 2 | 62 |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 38668014 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/05/2025 | 6.920% | Manual Underwriting |  | No | 10.697% |  | 10.250% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SECorporation - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 7 | XXX | XXX | 0 | 58 |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | US Citizen | N/A | Missing |  | XXX | US | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 35431564 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 05/09/2025 | 6.740% | Manual Underwriting |  | No | 9.215% |  | 8.875% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | Full Doc | 2 | 2 | NA | 1 Month | N/A | 0 | N/A | 0 | 2 | 2 | 2 | 2 | 1 | 1 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 50.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | XXX | XXX |  | Borrower - SECorporation - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1), CPA Letter Verified, 2 YRS W2 1099 Verified, Executed 4506T Verified, IRS Transcripts Verified - 2022, 2023 \|\| Co Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1), 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Executed 4506T Verified, IRS Transcripts Verified - 2024, 2025 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1), Executed 4506T Verified, IRS Transcripts Verified - 2022, 2023 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1), Executed 4506T Verified, IRS Transcripts Verified - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 31655461 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 10.750% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | XXX | XXX |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 39411195 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/02/2025 | 6.920% | Manual Underwriting |  | No | 9.740% |  | 9.625% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | N/A | 0 | 12 | No |  |  |  | 100.00% | 95.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 96 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SESCorp - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025, 2023, 2022, 2021, 2020, 2019, 2018, 2017 | Borrower - 2024, 2025, 2023, 2022, 2021, 2020, 2019, 2018, 2017 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Missing |  | XXX | US | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 32735494 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 05/16/2025 | 6.800% | Manual Underwriting |  | No | 12.215% |  | 11.375% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX | Monthly | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SEPartnership - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 37311411 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 05/19/2025 | 6.870% | Manual Underwriting |  | No | 8.817% |  | 8.500% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | Full Doc | 1 | 0 | Less than 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | XXX | XXX |  | Borrower - Wage - 1 YR W2 1099 Verified, Less than 1 Month Paystubs Verified, 1 YR Executed 4506T Verified - 2024, 2025 \|\| Co Borrower - 1 YR Executed 4506T Verified | Borrower - 1 YR Executed 4506T Verified - 2024, 2025 \|\| Co Borrower - 1 YR Executed 4506T Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 35438789 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 05/21/2025 | 6.870% | Manual Underwriting |  | No | 8.639% |  | 8.375% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX | Monthly | XXX | XXX | XXX | No | No |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | Yes | Yes | 0 | 12 | 100.00% | 0.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | Yes | 24 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | XXX | XXX |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Executed 4506T Verified, IRS Transcripts Verified - 2024, 2025 \|\| Co Borrower - SECorporation - CPA Letter Verified, Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - Executed 4506T Verified, IRS Transcripts Verified - 2024, 2025 \|\| Co Borrower - Executed 4506T Verified - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 38063067 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/13/2025 | 6.880% | Manual Underwriting |  | No | 9.113% |  | 8.875% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2021, 2022, 2023, 2024, 2025 | Borrower - 2021, 2022, 2023, 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | X | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 35472442 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 9.375% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | XXX | XXX |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| XXX | 33153111 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 05/22/2025 | 6.870% | Manual Underwriting |  | No | 9.688% |  | 9.250% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 84 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SECorporation, Retirement, SSI and Disability - CPA Letter Verified, Personal Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 39160047 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | ATR/QM: Not Applicable | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 10.000% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | XXX | XXX |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| XXX | 33606876 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 05/23/2025 | 6.870% | Manual Underwriting |  | No | 9.916% |  | 9.750% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 87.84% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 120 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SECorporation, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified - 2024 - 2024 | Borrower - 2024 - 2024 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 30174902 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 05/22/2025 | 6.870% | Manual Underwriting |  | No | 8.810% |  | 8.500% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No | No |  |  |  |  |  |  | Retired | Retired |  |  |  |  | Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | Yes | Yes | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | XXX | XXX |  | Borrower - Retirement, SSI and Disability - 2 YRS Executed 4506T Verified, Award Letter Verified \|\| Co Borrower - SSI and Disability - 2 YRS Executed 4506T Verified, Award Letter Verified | Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 39895936 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 05/27/2025 | 6.930% | Manual Underwriting |  | No | 11.269% |  | 10.875% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SESCorp, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 36513063 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 05/28/2025 | 6.170% | Manual Underwriting |  | No | 9.611% |  | 8.625% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | Full Doc | 1 | 0 | NA | NA | N/A | 0 | N/A | 0 | 2 | 0 | 2 | 0 | 1 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 1 | 3 | FNMA 1005 | NA | 0 | 0 | N/A | No | XXX | XXX |  | Borrower - Wage, SSI and Disability - 2 YRS Personal Tax Returns Verified, 1 YR W2 1099 Verified, Written VOE Verified, Executed 4506T Verified, IRS Transcripts Verified - 2025 - 2025 \|\| Co Borrower - SSI and Disability - 2 YRS Personal Tax Returns Verified, Executed 4506T Verified, IRS Transcripts Verified | Borrower - 2 YRS Personal Tax Returns Verified, Executed 4506T Verified, IRS Transcripts Verified - 2025 - 2025 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, Executed 4506T Verified, IRS Transcripts Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 30070466 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 05/28/2025 | 6.930% | Manual Underwriting |  | No | 12.440% |  | 11.875% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified - 2024, 2025 | Borrower - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 31711632 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 11.250% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | XXX | XXX |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| XXX | 33961108 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 9.500% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | XXX | XXX |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXX | 32539676 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | Yes | No | N/A | N/A |  | 05/29/2025 | 6.930% | Manual Underwriting |  | No | 10.099% |  | 9.500% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified - 2022, 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2022, 2023, 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | X | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 35819189 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/02/2025 | 6.920% | Manual Underwriting |  | No | 9.867% |  | 9.375% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 9 | 109 | FNMA 1005 |  |  | 0 |  | No | XXX | XXX |  | Borrower - Wage, Overtime and Bonus, Wage, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified, IRS Transcripts Verified - 2024, 2025 | Borrower - Executed 4506T Verified, IRS Transcripts Verified - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 31677388 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 8.750% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | Yes | Yes |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 2 | 0 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 84 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 207 | 29 | Work Number | NA | 0 | 0 | N/A | No | XXX | XXX |  | Borrower - Wage, Asset Depletion, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - Wage, Other, Other, Asset Depletion - 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 38256107 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/03/2025 | 6.920% | Manual Underwriting |  | No | 8.570% |  | 8.125% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 84 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 336 | 27 | Work Number |  |  | 0 |  | No | XXX | XXX |  | Borrower - Wage, Asset Depletion - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2023, 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | US | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 36761175 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/03/2025 | 6.920% | Manual Underwriting |  | No | 8.613% |  | 8.125% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 234 | 30 | Other |  |  | 0 |  | No | XXX | XXX |  | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2023, 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | US | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 31905595 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 08/08/2025 | 6.750% | Manual Underwriting |  | No | 9.337% |  | 9.125% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX | Monthly | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 28 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2023, 2024, 2025 | Borrower - 2023, 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 34245460 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/05/2025 | 6.920% | Manual Underwriting |  | No | 12.620% |  | 11.990% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX | Monthly | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | Yes |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 81.03% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 29 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SESoleProprietor, Retirement - CPA Letter Verified, 3 YRS Executed 4506T Verified, Award Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 33222443 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/05/2025 | 6.920% | Manual Underwriting |  | No | 12.258% |  | 11.990% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX | Annually | XXX | XXX | XXX | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 100.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | Yes | 24 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | XXX | XXX |  | Borrower - SECorporation - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower - SEPartnership - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 \|\| Co Borrower - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 35435860 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/09/2025 | 6.880% | Manual Underwriting |  | No | 8.934% |  | 8.750% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 24 | 24 | Other |  |  | 0 |  | No | XXX | XXX |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - 2024, 2025, 2023 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025, 2023 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 37282519 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 07/21/2025 | 6.790% | Manual Underwriting |  | No | 9.651% |  | 9.125% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX | Monthly | XXX | XXX | XXX | Yes | Yes |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | Full Doc | 2 | 2 | NA | 1 Month | N/A | 0 | N/A | 0 | 2 | 2 | 2 | 2 | 1 | 1 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% | 0.00% |  | Borrower Prepared | 5 | Borrower | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | XXX | XXX |  | Borrower - SESCorp, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1), YTD Profit And Loss Verified, 2 YRS W2 1099 Verified, Executed 4506T Verified, IRS Transcripts Verified, 1040 Schedule E Verified - 2024 - 2024 \|\| Co Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1), 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Executed 4506T Verified, IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1), Executed 4506T Verified, IRS Transcripts Verified, 1040 Schedule E Verified - 2024 - 2024 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1), Executed 4506T Verified, IRS Transcripts Verified - 2023, 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 36102016 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 07/21/2025 | 6.790% | Manual Underwriting |  | No | 9.965% |  | 9.500% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX | Monthly | XXX | XXX | XXX | Yes | Yes |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | Full Doc | 2 | 2 | NA | 1 Month | N/A | 0 | N/A | 0 | 2 | 2 | 2 | 2 | 1 | 1 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% | 0.00% |  | Borrower Prepared | 5 | Borrower | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | XXX | XXX |  | Borrower - SECorporation, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1), YTD Profit And Loss Verified, 2 YRS W2 1099 Verified, Executed 4506T Verified, IRS Transcripts Verified, 1040 Schedule E Verified - 2024, 2023 \|\| Co Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1), 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Executed 4506T Verified, IRS Transcripts Verified - 2024, 2025, 2023 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1), Executed 4506T Verified, IRS Transcripts Verified, 1040 Schedule E Verified - 2024, 2023 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1), Executed 4506T Verified, IRS Transcripts Verified - 2024, 2025, 2023 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 32161316 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 10.500% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | XXX | XXX |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| XXX | 37511938 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  | $0.00 | 9.990% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | XXX | XXX |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 13 | XXX | XXX | 1 |  | 111 |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| XXX | 31969180 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/18/2025 | 6.890% | Manual Underwriting |  | No | 8.508% |  | 8.250% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 75 | 36 | Work Number |  |  | 0 |  | No | XXX | XXX |  | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified - 2024, 2025 | Borrower - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 32083852 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/12/2025 | 6.880% | Manual Underwriting |  | No | 9.409% |  | 8.875% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 0 |  | 1 Month |  | N/A | 0 |  |  | 2 | 2 |  |  | 1 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S), 1 Month Paystubs Verified, 1 YR Executed 4506T Verified, 1040 Schedule E Verified - 2024, 2025, 2023 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S), 1 YR Executed 4506T Verified, 1040 Schedule E Verified - 2024, 2025, 2023 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 37015624 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/12/2025 | 6.880% | Manual Underwriting |  | No | 9.581% |  | 9.250% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 0 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | XXX | XXX |  | Borrower - Wage, Overtime and Bonus, SSI and Disability, Other, Other REO Net Rental Income(Loss) - 1 Month Paystubs Verified, 1 YR Executed 4506T Verified - 2024, 2025, 2023 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 1 YR Executed 4506T Verified - 2024, 2025, 2023 | Borrower - 1 YR Executed 4506T Verified - 2024, 2025, 2023 \|\| Co Borrower - 1 YR Executed 4506T Verified - 2024, 2025, 2023 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 33051525 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/13/2025 | 6.880% | Manual Underwriting |  | No | 10.048% |  | 9.990% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 96 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 32686324 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/13/2025 | 6.880% | Manual Underwriting |  | No | 8.604% |  | 8.250% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 2 | 2 |  |  | 1 | 2 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Borrower Prepared | 18 | Borrower |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SESCorp - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1), YTD Profit And Loss Verified, 1 YR Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2022, 2023 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1), 1 YR Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2022, 2023 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 39827520 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 07/02/2025 | 6.770% | Manual Underwriting |  | No | 8.507% |  | 8.375% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 2 | 2 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 251 | 29 | Other | No | XXX | XXX |  | Borrower - Wage, Retirement - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 1 YR Executed 4506T Verified - 2023, 2024, 2025 \|\| Co Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, Written VOE Verified, 1 YR Executed 4506T Verified - 2023, 2024, 2025 | Borrower - 1 YR Executed 4506T Verified - 2023, 2024, 2025 \|\| Co Borrower - 1 YR Executed 4506T Verified - 2023, 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 30176550 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 07/10/2025 | 6.670% | Manual Underwriting |  | No | 9.377% |  | 9.000% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 48 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | US | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 38811910 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/18/2025 | 6.890% | Manual Underwriting |  | No | 10.328% |  | 10.250% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX | Monthly | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 156 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SECorporation - CPA Letter Verified, Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - Executed 4506T Verified - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 39196196 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/16/2025 | 6.890% | Manual Underwriting |  | No | 9.150% |  | 8.875% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX | Monthly | XXX | XXX | XXX | Yes | Yes |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 1YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 1 | 0 | 1 | 0 | 2 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 33 | 27 | Work Number | No | XXX | XXX |  | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - Wage, Overtime and Bonus - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023, 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 33343329 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/18/2025 | 6.890% | Manual Underwriting |  | No | 8.672% |  | 8.250% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX | Monthly | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SECorporation - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 38275914 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/18/2025 | 6.890% | Manual Underwriting |  | No | 8.431% |  | 8.125% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 1.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SECorporation - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 33621462 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | Yes | No | N/A | N/A |  | 07/22/2025 | 6.790% | Manual Underwriting |  | No | 11.029% |  | 10.875% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 1 | 0 |  |  | 0 | 1 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, CPA Letter Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - 2024 - 2024 | Borrower - 1 YR Personal Tax Returns Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - 2024 - 2024 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | X | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 37747843 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 10.125% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | XXX | XXX |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| XXX | 33845087 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/20/2025 | 6.890% | Manual Underwriting |  | No | 10.424% |  | 9.990% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 93.76% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SECorporation, Other REO Net Rental Income(Loss) - CPA Letter Verified, Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - Executed 4506T Verified - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 35039704 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 9.375% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | XXX | XXX |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | X | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| XXX | 37105882 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 08/06/2025 | 6.750% | Manual Underwriting |  | No | 9.034% |  | 8.500% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | Full Doc | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 1 | 0 | 1 | 0 | 1 | 1 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | XXX | XXX |  | Borrower - Wage, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - 2024, 2023, 2025 \|\| Co Borrower - SSI and Disability - 1 YR Personal Tax Returns Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - 2024, 2025, 2023 | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - 2024, 2023, 2025 \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - 2024, 2025, 2023 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 30551918 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/24/2025 | 6.830% | Manual Underwriting |  | No | 9.143% |  | 8.875% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX | Monthly | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 1 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 168 | 30 | FNMA 1005 |  |  | 0 |  | No | XXX | XXX |  | Borrower - Wage, Overtime and Bonus, Commission, Other - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, Executed 4506T Verified, IRS Transcripts Verified - 2024, 2025, 2023 | Borrower - Executed 4506T Verified, IRS Transcripts Verified - 2024, 2025, 2023 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 34066579 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/04/2025 | 6.920% | Manual Underwriting |  | No | 9.550% |  | 9.500% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX | Monthly | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Full Doc | 1 |  | 1 Month |  | N/A | 0 |  |  | 1 | 0 |  |  | 1 | 1 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - Wage, SESCorp, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - 2024, 2025 | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 34159448 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/04/2025 | 6.920% | Manual Underwriting |  | No | 9.648% |  | 9.500% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX | Monthly | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 1 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - Wage, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 1040 Schedule E Verified - 2023, 2024 | Borrower - 1040 Schedule E Verified - 2023, 2024 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | USA | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 37988768 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/25/2025 | 6.830% | Manual Underwriting |  | No | 10.018% |  | 9.625% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX | Monthly | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 179 | 30 | FNMA 1005 |  |  | 0 |  | No | XXX | XXX |  | Borrower - Wage, Overtime and Bonus, Commission - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 31950536 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/25/2025 | 6.830% | Manual Underwriting |  | No | 12.744% |  | 12.500% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 162 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 30204680 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/27/2025 | 6.340% | Manual Underwriting |  | No | 8.827% |  | 8.625% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX | Monthly | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SESCorp - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 38541606 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 07/30/2025 | 6.750% | Manual Underwriting |  | No | 9.500% |  | 9.250% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 144 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SECorporation - CPA Letter Verified, Personal Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 33932834 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 9.375% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | Yes | Yes | 1 - Not Stated Not Verified |  | 1 - Not Stated, Not Verified |  | 1 - Not Stated, Not Verified |  | Unknown | Unknown | Unknown |  | .00 |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | XXX | XXX |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower 2 - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower 2 - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | XXX |  | XXX | XXX | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | Borrower As Individual | N/A |
| XXX | 39056414 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/30/2025 | 6.770% | Manual Underwriting |  | No | 9.683% |  | 9.500% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 11 | 140 | Work Number | Yes | 1 | 19 | FNMA 1005 | No | XXX | XXX |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified - 2024, 2025 \|\| Co Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified - 2024, 2025 | Borrower - Executed 4506T Verified - 2024, 2025 \|\| Co Borrower - Executed 4506T Verified - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 37558912 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/30/2025 | 6.770% | Manual Underwriting |  | No | 9.054% |  | 8.990% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $54320.75 | N/A | XXX | XXX | XXX | XXX | Annually | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 1 |  | 1 Month |  | N/A | 0 |  |  | 2 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 14.93% |  |  | N/A | 0 | N/A |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - Wage, Other - 2 YRS Personal Tax Returns Verified, CPA Letter Verified, 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 33280512 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 07/01/2025 | 6.770% | Manual Underwriting |  | No | 9.763% |  | 9.500% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 300 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SECorporation, SECorporation - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 30507290 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 07/01/2025 | 6.770% | Manual Underwriting |  | No | 10.055% |  | 9.625% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SECorporation - Business Bank Statements Verified - 2021, 2022, 2023, 2024, 2025 | Borrower - 2021, 2022, 2023, 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | X | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 38070873 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | Yes | No | N/A | N/A |  | 07/02/2025 | 6.770% | Manual Underwriting |  | No | 9.206% |  | 9.125% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SECorporation, SECorporation - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 36352363 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 07/03/2025 | 6.770% | Manual Underwriting |  | No | 9.885% |  | 9.500% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | XXX | XXX |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified - 2023, 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2023, 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified - 2023, 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | 2 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 38205478 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 07/02/2025 | 6.770% | Manual Underwriting |  | No | 8.949% |  | 8.875% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX | Monthly | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 90.15% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SECorporation, Other REO Net Rental Income(Loss) - CPA Letter Verified, Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - Executed 4506T Verified - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 33277875 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 07/02/2025 | 6.770% | Manual Underwriting |  | No | 10.579% |  | 10.250% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 1 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 60 | 30 | FNMA 1005 |  |  | 0 |  | No | XXX | XXX |  | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - IRS Transcripts Verified - 2023, 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 35510683 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 07/03/2025 | 6.770% | Manual Underwriting |  | No | 8.943% |  | 8.875% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 1 | 1 |  |  | 1 | 1 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SESCorp, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, K1), CPA Letter Verified, Executed 4506T Verified, IRS Transcripts Verified, 1040 Schedule E Verified - 2024 - 2024 | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, K1), Executed 4506T Verified, IRS Transcripts Verified, 1040 Schedule E Verified - 2024 - 2024 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 35593287 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 07/10/2025 | 6.670% | Manual Underwriting |  | No | 8.435% |  | 7.990% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 99.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 34 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen |  | Missing |  | XXX | US | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 32968700 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 9.875% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 276 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SECorporation, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified, Lease Agreements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | X | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 37635950 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 07/14/2025 | 6.750% | Manual Underwriting |  | No | 9.541% |  | 9.375% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 80 | 80 | Work Number |  |  | 0 |  | No | XXX | XXX |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 33841176 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 07/15/2025 | 6.750% | Manual Underwriting |  | No | 9.545% |  | 9.375% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX | Annually | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 35.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SECorporation - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 30600703 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A |  | 07/17/2025 | 6.750% | Manual Underwriting |  | No | 8.699% |  | 8.375% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | XXX | XXX |  | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified - 2023, 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2023, 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified - 2023, 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 31392882 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A |  | 07/23/2025 | 6.790% | Manual Underwriting |  | No | 8.765% |  | 8.500% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | Yes |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 45.04% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 55 | 55 | Other |  |  | 0 |  | No | XXX | XXX |  | Borrower - Wage, SSI and Disability - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 35595471 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 10.500% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | XXX | XXX |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| XXX | 30637140 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 10.625% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | XXX | XXX |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| XXX | 31346132 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | ATR/QM: Not Applicable | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 9.375% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | XXX | XXX |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| XXX | 34554737 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 08/25/2025 | 6.630% | Manual Underwriting |  | No | 9.586% |  | 8.990% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | Yes | Yes |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 12 | 12 | Yes | Yes | 12 | 12 | 0.00% | 50.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 84 | Yes | 84 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | XXX | XXX |  | Borrower - SECorporation, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, Executed 4506T Verified, Personal Bank Statements Verified, Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower - SECorporation - CPA Letter Verified, Executed 4506T Verified, Personal Bank Statements Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - Executed 4506T Verified - 2024, 2025 \|\| Co Borrower - Executed 4506T Verified - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 39444502 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 07/21/2025 | 6.790% | Manual Underwriting |  | No | 9.878% |  | 9.750% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX | Annually | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 0 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 39 | 39 | Work Number |  |  | 0 |  | No | XXX | XXX |  | Borrower - Wage - 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 35881997 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 9.125% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | XXX | XXX |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| XXX | 37343521 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 07/24/2025 | 6.790% | Manual Underwriting |  | No | 8.472% |  | 8.375% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 1 | 1 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | XXX | XXX |  | Borrower - Wage, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 1 YR Executed 4506T Verified - 2024, 2025 \|\| Co Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 1 YR Executed 4506T Verified - 2024, 2025 | Borrower - 1 YR Executed 4506T Verified - 2024, 2025 \|\| Co Borrower - 1 YR Executed 4506T Verified - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 37667976 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 07/23/2025 | 6.790% | Manual Underwriting |  | No | 8.684% |  | 8.625% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 1 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 38893047 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A |  | 07/23/2025 | 6.790% | Manual Underwriting |  | No | 9.048% |  | 8.500% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 44 | 41 | Other |  |  | 0 |  | No | XXX | XXX |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 1 YR Executed 4506T Verified - 2023, 2024, 2025 | Borrower - 1 YR Executed 4506T Verified - 2023, 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 38456250 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 08/18/2025 | 6.610% | Manual Underwriting |  | No | 12.949% |  | 12.250% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX | Annually | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 168 | 168 | FNMA 1005 |  |  | 0 |  | No | XXX | XXX |  | Borrower - Wage, Overtime and Bonus, Other - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2023, 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen |  | Missing |  | XXX | US | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 39031680 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 08/04/2025 | 6.750% | Manual Underwriting |  | No | 10.609% |  | 10.375% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Not Employed |  |  |  |  |  | Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | Yes |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - Retirement, SSI and Disability, Other - Executed 4506T Verified, Award Letter Verified - 2024, 2025 | Borrower - Executed 4506T Verified - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 38341088 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 10.250% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | XXX | XXX |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| XXX | 37864869 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 07/29/2025 | 6.750% | Manual Underwriting |  | No | 11.964% |  | 11.250% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 90.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SECorporation - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 32136783 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 08/22/2025 | 6.610% | Manual Underwriting |  | No | 12.503% |  | 11.990% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | XXX | XXX |  | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified - 2023, 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2023, 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified - 2023, 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 31842269 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | Yes | No | N/A | N/A |  | 08/12/2025 | 6.630% | Manual Underwriting |  | No | 11.312% |  | 10.750% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 2 |  | NA |  | N/A | 0 |  |  | 1 | 1 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SECorporation - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120), 2 YRS W2 1099 Verified | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120) | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | X | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 30340919 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 08/01/2025 | 6.750% | Manual Underwriting |  | No | 9.339% |  | 9.250% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 30 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2023, 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 32262888 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 07/30/2025 | 6.750% | Manual Underwriting |  | No | 9.060% |  | 8.750% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX | Monthly | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 96 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 35854214 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 08/07/2025 | 6.750% | Manual Underwriting |  | No | 10.060% |  | 9.875% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | Full Doc | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | XXX | XXX |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified - 2023, 2024, 2025 \|\| Co Borrower - SSI and Disability - 3 YRS Executed 4506T Verified, Award Letter Verified - 2024 - 2024 | Borrower - 3 YRS Executed 4506T Verified - 2023, 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified - 2024 - 2024 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 34444337 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 08/06/2025 | 6.750% | Manual Underwriting |  | No | 10.973% |  | 10.875% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX | Monthly | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 1 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - Wage, Other REO Net Rental Income(Loss) - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Executed 4506T Verified - 2024, 2025 | Borrower - Executed 4506T Verified - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 34949175 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 9.875% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | XXX | XXX |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 31384651 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 08/06/2025 | 6.750% | Manual Underwriting |  | No | 10.430% |  | 9.750% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SECorporation - Business Bank Statements Verified - 2024, 2025, 2023, 2022 | Borrower - 2024, 2025, 2023, 2022 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 7 | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 34594157 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | Yes | No | N/A | N/A |  | 08/15/2025 | 6.630% | Manual Underwriting |  | No | 9.564% |  | 8.875% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX | Annually | XXX | XXX | XXX | No | No |  |  |  |  |  |  | Self-Employed | Unknown |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 12 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | XXX | XXX |  | Borrower - SECorporation - CPA Letter Verified, Business Bank Statements Verified - 2021, 2022, 2023, 2024, 2025 \|\| Co Borrower | Borrower - 2021, 2022, 2023, 2024, 2025 \|\| Co Borrower | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  | XXX | United States | XXX |  | XXX |  | XXX | XXX | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 32333369 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 9.125% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | XXX | XXX |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| XXX | 32770177 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 08/07/2025 | 6.020% | Manual Underwriting |  | No | 8.390% |  | 7.875% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | Full Doc | 0 | 2 | NA | 1 Month | N/A | 0 | N/A | 0 | 2 | 0 | 2 | 0 | 1 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 13 | 156 | FNMA 1005 | No | XXX | XXX |  | Borrower - SECorporation - 2 YRS Personal Tax Returns Verified, Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024 \|\| Co Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025, 2023 | Borrower - 2 YRS Personal Tax Returns Verified, Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025, 2023 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 32101351 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 08/11/2025 | 6.630% | Manual Underwriting |  | No | 8.308% |  | 7.990% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SECorporation, Other REO Net Rental Income(Loss) - CPA Letter Verified, Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - Executed 4506T Verified - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | X | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 35570323 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 08/08/2025 | 6.750% | Manual Underwriting |  | No | 10.047% |  | 9.625% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX | Monthly | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 44 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified - 2023, 2024, 2025, 2022 | Borrower - 2023, 2024, 2025, 2022 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 31042062 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 08/08/2025 | 6.750% | Manual Underwriting |  | No | 10.027% |  | 9.375% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX | Monthly | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 44 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2023, 2024, 2025, 2022 | Borrower - 2023, 2024, 2025, 2022 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 32684480 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 9.625% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | XXX | XXX |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | X | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| XXX | 37957840 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 07/16/2025 | 6.750% | Manual Underwriting |  | No | 10.801% |  | 10.250% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SECorporation - CPA Letter Verified, Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - Executed 4506T Verified - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 35967612 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 08/15/2025 | 6.630% | Manual Underwriting |  | No | 11.338% |  | 10.875% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX | Monthly | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 72 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SECorporation, Wage, Child Support - CPA Letter Verified, 1 Month Paystubs Verified, Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - Executed 4506T Verified - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 31234343 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 8.875% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX | Annually | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | XXX | XXX |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| XXX | 30353069 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 09/05/2025 | 6.570% | Manual Underwriting |  | No | 10.529% |  | 9.875% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 276 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified, Lease Agreements Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 38063307 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 05/19/2025 | 6.870% | Manual Underwriting |  | No | 10.014% |  | 9.750% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 83.36% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 48 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | XXX | XXX |  | Borrower - SECorporation, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower | Borrower - 2024, 2025 \|\| Co Borrower | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 32347667 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 9.500% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 48 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SECorporation, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 30752030 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 05/08/2025 | 6.740% | Manual Underwriting |  | No | 9.015% |  | 8.750% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX | Monthly | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SEPartnership, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | X | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 37714543 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 04/30/2025 | 6.880% | Manual Underwriting |  | No | 10.114% |  | 9.750% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 130 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified, Lease Agreements Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 39966330 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 04/30/2025 | 6.880% | Manual Underwriting |  | No | 10.099% |  | 9.625% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2023, 2024, 2025 | Borrower - 2023, 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | X | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 39233898 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/17/2025 | 6.890% | Manual Underwriting |  | No | 11.351% |  | 10.750% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX | Monthly | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SESCorp - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Missing |  | XXX | USA | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 36570192 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 08/01/2025 | 6.750% | Manual Underwriting |  | No | 11.641% |  | 11.125% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX | Monthly | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen |  | Missing |  | XXX | USA | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 30094919 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 05/01/2025 | 6.880% | Manual Underwriting |  | No | 11.966% |  | 11.750% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 0 | 2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | Yes | 0 | 0 | 100.00% | 100.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 192 | No | 0 | NA | 0 | 0 | N/A | Yes | 2 | 24 | Work Number | No | XXX | XXX |  | Borrower - SECorporation - CPA Letter Verified, Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified - 2024, 2025 | Borrower - Executed 4506T Verified - 2024, 2025 \|\| Co Borrower - Executed 4506T Verified - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 37416756 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/13/2025 | 6.880% | Manual Underwriting |  | No | 10.042% |  | 9.625% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 18 | 29 | FNMA 1005 |  |  | 0 |  | No | XXX | XXX |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified - 2024, 2025 | Borrower - Executed 4506T Verified - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 39561121 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/17/2025 | 6.890% | Manual Underwriting |  | No | 9.229% |  | 8.875% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SESCorp - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 33147501 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 07/02/2025 | 6.770% | Manual Underwriting |  | No | 10.062% |  | 9.750% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 33326800 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 07/16/2025 | 6.750% | Manual Underwriting |  | No | 8.769% |  | 8.500% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 83.64% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SESoleProprietor, SSI and Disability - CPA Letter Verified, 3 YRS Executed 4506T Verified, Personal Bank Statements Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 36296618 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 07/24/2025 | 6.790% | Manual Underwriting |  | No | 8.854% |  | 8.250% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 1 |  | 2+ Months |  | N/A | 0 |  |  | 1 | 0 |  |  | 1 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - Wage, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024, 2025 | Borrower - 1 YR Personal Tax Returns Verified, Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 31748869 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 07/28/2025 | 6.750% | Manual Underwriting |  | No | 9.060% |  | 8.750% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX | Monthly | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2023, 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 36536688 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 07/25/2025 | 6.790% | Manual Underwriting |  | No | 8.582% |  | 8.250% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX | Annually | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2023, 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 31286138 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 04/30/2025 | 6.880% | Manual Underwriting |  | No | 9.598% |  | 9.375% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 9 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SESCorp, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 36111275 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 05/08/2025 | 6.740% | Manual Underwriting |  | No | 10.611% |  | 10.250% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 156 | 28 | Work Number |  |  | 0 |  | No | XXX | XXX |  | Borrower - Wage, Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 38742510 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 07/21/2025 | 6.790% | Manual Underwriting |  | No | 9.450% |  | 9.000% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX | Monthly | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - Wage, Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025, 2019, 2022, 2021, 2020, 2010, 2011, 2012, 2013, 2014, 2015, 2016, 2017, 2018 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025, 2019, 2022, 2021, 2020, 2010, 2011, 2012, 2013, 2014, 2015, 2016, 2017, 2018 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 31092592 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 04/25/2025 | 6.810% | Manual Underwriting |  | No | 9.340% |  | 8.875% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 92.93% | 100.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | XXX | XXX |  | Borrower - SESCorp, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower - SSI and Disability - 2025 - 2025 | Borrower - 2024, 2025 \|\| Co Borrower - 2025 - 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 35449563 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 04/15/2025 | 6.700% | Manual Underwriting |  | No | 8.400% |  | 8.125% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX | Annually | XXX | XXX | XXX | No | No |  |  |  |  |  |  | Retired | Retired |  |  |  |  | Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | XXX | XXX |  | Borrower - SSI and Disability, Retirement, Retirement - 3 YRS Executed 4506T Verified - 2024 - 2024 \|\| Co Borrower - SSI and Disability - 3 YRS Executed 4506T Verified - 2024 - 2024 | Borrower - 3 YRS Executed 4506T Verified - 2024 - 2024 \|\| Co Borrower - 3 YRS Executed 4506T Verified - 2024 - 2024 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 31923775 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 04/30/2025 | 6.880% | Manual Underwriting |  | No | 9.346% |  | 9.125% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Missing | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified - 2023, 2024, 2025 | Borrower - 2023, 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 34103949 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 04/23/2025 | 6.810% | Manual Underwriting |  | No | 9.135% |  | 8.875% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SESCorp, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 32785340 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 05/23/2025 | 6.870% | Manual Underwriting |  | No | 11.876% |  | 11.500% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX | Monthly | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 3 | 36 | Work Number |  |  | 0 |  | No | XXX | XXX |  | Borrower - Wage, Military and Government Assistance - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified - 2023, 2024, 2025 | Borrower - 2023, 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 33958729 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 05/22/2025 | 6.870% | Manual Underwriting |  | No | 12.661% |  | 12.250% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 96.58% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SECorporation, SECorporation, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | Yes - ITIN Letter/Certificate | Missing |  | XXX | USA | XXX | Israel | XXX | Missing | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 39478526 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 04/29/2025 | 6.880% | Manual Underwriting |  | No | 9.938% |  | 9.500% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX | Monthly | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 15 | CPA |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SESCorp, Other REO Net Rental Income(Loss) - YTD Profit And Loss Verified, 1 YR Executed 4506T Verified - 2024, 2025 | Borrower - 1 YR Executed 4506T Verified - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 35104010 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 05/27/2025 | 6.930% | Manual Underwriting |  | No | 10.038% |  | 9.625% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SECorporation - CPA Letter Verified, Personal Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 30048389 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/09/2025 | 6.880% | Manual Underwriting |  | No | 11.938% |  | 11.375% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX | Annually | XXX | XXX | XXX | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 2 | 1 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | XXX | XXX |  | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified - 2023, 2024, 2025 \|\| Co Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2023, 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified - 2023, 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 31096481 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 05/20/2025 | 6.870% | Manual Underwriting |  | No | 12.215% |  | 11.875% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX | Monthly | XXX | XXX | XXX | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | Bank Statement | 0 | 2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | Yes | 0 | 0 | 76.28% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | Yes | 226 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | XXX | XXX |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower - Wage, Overtime and Bonus - CPA Letter Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 39952295 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 04/30/2025 | 6.880% | Manual Underwriting |  | No | 9.649% |  | 9.375% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX | Monthly | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 144 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SECorporation - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 39901102 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 04/30/2025 | 6.880% | Manual Underwriting |  | No | 8.791% |  | 8.500% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 36692406 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 05/20/2025 | 6.870% | Manual Underwriting |  | No | 9.451% |  | 9.125% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX | Monthly | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 80.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SECorporation - CPA Letter Verified, YTD Profit And Loss Verified, Executed 4506T Verified - 2024, 2025 | Borrower - Executed 4506T Verified - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 33783447 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 05/30/2025 | 6.930% | Manual Underwriting |  | No | 9.529% |  | 8.875% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 65.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 72 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | XXX | XXX |  | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 35028027 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/19/2025 | 6.890% | Manual Underwriting |  | No | 9.638% |  | 9.250% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | Bank Statement | 0 | 0 | NA | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | Yes | 0 | 0 | 34.02% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | XXX | XXX |  | Borrower - SESoleProprietor, SSI and Disability, Retirement - 1 YR Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower - Wage - 2+ Months Paystubs Verified, 1 YR Executed 4506T Verified - 2024, 2025 | Borrower - 1 YR Executed 4506T Verified - 2024, 2025 \|\| Co Borrower - 1 YR Executed 4506T Verified - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 35550447 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/24/2025 | 6.830% | Manual Underwriting |  | No | 8.613% |  | 8.375% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | N/A | 0 | 12 | No |  |  |  | 96.95% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SECorporation, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 36858497 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/10/2025 | 6.880% | Manual Underwriting |  | No | 9.591% |  | 9.125% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SESCorp - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 31101483 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 9.250% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | Yes | Yes |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | N/A | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | XXX | XXX |  | Borrower - SESCorp, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower | Borrower - 2024, 2025 \|\| Co Borrower | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 38948120 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/26/2025 | 6.830% | Manual Underwriting |  | No | 9.859% |  | 9.500% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | XXX | XXX |  | Borrower - SESCorp, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower | Borrower - 2024, 2025 \|\| Co Borrower | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 33185030 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/13/2025 | 6.880% | Manual Underwriting |  | No | 12.425% |  | 12.000% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX | Monthly | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SESCorp - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 34151879 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | Yes | No | N/A | N/A |  | 06/05/2025 | 6.920% | Manual Underwriting |  | No | 8.414% |  | 8.250% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 207 | 29 | Work Number |  |  | 0 |  | No | XXX | XXX |  | Borrower - Wage, Overtime and Bonus, Other - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | X | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 38812877 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/05/2025 | 6.920% | Manual Underwriting |  | No | 8.536% |  | 8.250% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX | Monthly | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SESCorp - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 30315629 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/20/2025 | 6.890% | Manual Underwriting |  | No | 10.676% |  | 10.250% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 1 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Executed 4506T Verified, IRS Transcripts Verified - 2025 - 2025 | Borrower - Executed 4506T Verified, IRS Transcripts Verified - 2025 - 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 34176899 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/13/2025 | 6.880% | Manual Underwriting |  | No | 9.327% |  | 8.875% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 61 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), SECorporation - CPA Letter Verified, Executed 4506T Verified - 2024, 2025 | Borrower - Executed 4506T Verified - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 39005384 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/20/2025 | 6.890% | Manual Underwriting |  | No | 10.315% |  | 10.000% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Borrower Prepared | 17 | Borrower |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SESCorp, SESCorp, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 33128662 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 07/28/2025 | 6.750% | Manual Underwriting |  | No | 10.326% |  | 9.875% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No | No | 1 - Not Stated Not Verified | 1 - Not Stated Not Verified | 4 - Stated, 1YR W2 + YTD Paystub OR 2YR Tax Returns | 5 - Stated, 2YRs Verified + CPA Letter | 3 - Stated, 3rd Party Verification | 3 - Stated, 3rd Party Verification | Not Employed | Self-Employed | Employed | Employed | 2.37 | .84 | Full Doc | 1 | 1 | NA | NA | N/A | 0 | N/A | 0 | 2 | 0 | 2 | 0 | 3 | 2 | Yes | Yes | No | No | 0 | No | No | N/A | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | XXX | XXX |  | Borrower - SSI and Disability - 2 YRS Personal Tax Returns Verified, 1 YR W2 1099 Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - 2024, 2025 \|\| Co Borrower - SESoleProprietor, SSI and Disability - 2 YRS Personal Tax Returns Verified, 1 YR W2 1099 Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - 2023, 2024 \|\| Co Borrower 2 - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower 3 - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024 \|\| Co Borrower 2 - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower 3 - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | XXX |  | XXX | XXX | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  | US Citizen | N/A | Missing |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | Borrower As Individual | Borrower As Individual |
| XXX | 36218935 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 07/08/2025 | 6.670% | Manual Underwriting |  | No | 11.327% |  | 10.625% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX | Monthly | XXX | XXX | XXX | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 0 | 2 | NA | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | Yes | 0 | 0 | 0.00% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | XXX | XXX |  | Borrower - SECorporation, Other REO Net Rental Income(Loss) - Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025, 2023 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Executed 4506T Verified - 2024, 2025, 2023 | Borrower - Executed 4506T Verified - 2024, 2025, 2023 \|\| Co Borrower - Executed 4506T Verified - 2024, 2025, 2023 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 37954967 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/26/2025 | 6.830% | Manual Underwriting |  | No | 8.741% |  | 8.375% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SESCorp, SESCorp, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025, 2023 | Borrower - 2024, 2025, 2023 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 30514897 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/30/2025 | 6.770% | Manual Underwriting |  | No | 9.078% |  | 8.750% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 93 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 35437889 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 07/17/2025 | 6.750% | Manual Underwriting |  | No | 9.342% |  | 9.125% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX | Monthly | XXX | XXX | XXX | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA | N/A | N/A | 0 | Yes | 273 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | XXX | XXX |  | Borrower - SECorporation, SECorporation, SECorporation, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 \|\| Co Borrower | Borrower - 2024, 2025 \|\| Co Borrower | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | x | XXX |  | XXX | XXX | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX x | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 32750281 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 07/14/2025 | 6.750% | Manual Underwriting |  | No | 9.067% |  | 8.750% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 2 | 2 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 2 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 84 | 30 | Other | No | XXX | XXX |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, Written VOE Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025, 2022, 2021, 2020, 2019, 2018 | Borrower - 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - 2 YRS IRS Transcripts Verified - 2023, 2024, 2025, 2022, 2021, 2020, 2019, 2018 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 36228316 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 07/29/2025 | 6.750% | Manual Underwriting |  | No | 10.142% |  | 9.750% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 50.00% |  |  | Third-Party Prepared (Unaudited) | 17 | CPA |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SECorporation - CPA Letter Verified, YTD Profit And Loss Verified, Executed 4506T Verified - 2024, 2025 | Borrower - Executed 4506T Verified - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 30786697 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 08/19/2025 | 6.610% | Manual Underwriting |  | No | 8.873% |  | 8.625% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 68 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2023, 2024, 2025, 2022, 2021, 2020 | Borrower - 3 YRS Executed 4506T Verified - 2023, 2024, 2025, 2022, 2021, 2020 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 34016681 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 08/14/2025 | 6.630% | Manual Underwriting |  | No | 9.201% |  | 8.875% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 19 | CPA |  |  |  | Yes | 180 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SECorporation - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 39097325 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 08/07/2025 | 6.750% | Manual Underwriting |  | No | 10.243% |  | 9.875% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SECorporation - CPA Letter Verified, YTD Profit And Loss Verified, Executed 4506T Verified - 2024, 2025 | Borrower - Executed 4506T Verified - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |

---

## Exhibit 99.4

[VISTA POINT ASSETS LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.4**

![](ex994001.jpg)

![](ex994002.jpg)

**EXECUTIVE SUMMARY**

**VSTA 2025-CES3**

**October 6, 2025**

**INFINITY INTERNATIONAL PROCESSING SERVICES, INC.**

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**TABLE OF CONTENTS**

Infinity Biography 2

Description of the due diligence performed 3

Summary of findings and conclusions of review 16

Tape Integrity Review Results Summary 16

Additional Loan Population Summary 16

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**INFINITY BIOGRAPHY**

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

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

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

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**DESCRIPTION OF THE DUE DILIGENCE PERFORMED**

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

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

The Review population is comprised of eighty-five (85) mortgage loans that were originally reviewed from June 2025 to September 2025.

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

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

▪ "Compliance Review": 68<sup>1</sup> Mortgage Loans

▪ "Credit Review": 85 Mortgage Loans

▪ "Property Review": 41<sup>2</sup> Mortgage Loans

▪ "Data Integrity": 85 Mortgage Loans

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

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

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

For eighty-five (85) mortgage loans, Infinity compared data fields on the data tape provided by Client to the data found in the actual file as captured by Infinity. This comparison, when data was available, included the following data fields:

---

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

---

<sup>1</sup> Seventeen (17) loans were not subject to a compliance review but are graded A for compliance as they were confirmed to be exempt investor loans with no consumer purpose.

<sup>2</sup> Forty-four (44) loans were not subject to a property review and did not receive a property grade.

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

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

Infinity conducted a credit review for eighty-five (85) mortgage loans. At that time, Infinity reviewed the asset origination to determine conformity to the stated underwriting or credit extension guidelines, standards, criteria or other requirements, including, as applicable, the Ability to Repay and Qualified Mortgage requirements described below, that were provided to Infinity and/or as directed by Client. When applicable, a review of the mortgage loan file to the Automated Underwriting System output within the file was also performed.

There were 4 sets of guidelines provided for the review. Each loan was reviewed to the specific guideline provided on the loan approval. Please refer the Exhibit A.

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

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

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

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

**Hazard/Flood Insurance/Taxes:** A review of the insurance present on the mortgage loan was also performed by Infinity. During the course of this review, Infinity (i) verified that the hazard insurance met the minimum required amount of coverage in the guidelines, (ii) confirmed that the mortgage clause listed the lender's name and "its successors and assigns,", (iii) confirmed that the premium amount on both the hazard and flood insurance matched what was used in the debt-to-income ("DTI") calculations, (iv) reviewed the tax

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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.

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

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

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

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

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

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

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**Business Purpose/DSCR Scope:** Infinity conducted a business purpose/property focused Investor review for six (6) mortgage loans with DSCR calculation. There were no mortgage loans that were classified as No Ratio loans with no DSCR calculation.

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

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

Infinity conducted a review of the value of the underlying collateral at the time of its initial review for forty-one (41) mortgage loans. For these forty-one (41) mortgage loans, Infinity reviewed the mortgage loans to ensure the value of the collateral securing the assets met applicable underwriting guidelines. Forty-four (44) loans were not subject to a property review and did not receive a property grade.

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Infinity's review included a review of the valuation materials utilized during the origination of the loan and in confirming the value of the underlying property. Infinity's review included verifying the appraisal report was (i) on the appropriate GSE form, (ii) materially complete, (iii) in conformity with the guideline requirements for the property type in question, (iv) completed by an appraiser that was actively licensed to perform the valuation, (v) completed such that the named client on the appraisal report is the lender or

a related entity that is permitted to engage the lender per Title XI of FIRREA, (vi) made and signed prior to the final approval of the mortgage loan application, (vii) completed and dated within the guidelines restrictions, (vii) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities.

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

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

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

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

Infinity completed a Compliance Review on sixty-eight (68) mortgage loans. Seventeen (17) loans were not subject to a compliance review but are graded A for compliance as they were confirmed to be exempt with no consumer purpose. Please be advised that Infinity did not make a determination as to whether the mortgage loans complied with federal, state or local laws, constitutional provisions, regulations or

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ordinances that are not expressly enumerated below. There can be no assurance that the Review uncovered all relevant factors relating to the origination of the mortgage loans, their compliance with applicable law and regulations and the original appraisals relating to the mortgaged properties or uncovered all relevant factors that could affect the future performance of the mortgage loans. Furthermore, the findings reached by Infinity are dependent upon its receiving complete and accurate data regarding the mortgage loans from mortgage loan originators and other third parties upon which Infinity is relying in reaching such findings.

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

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty test; and

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

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

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

ii) compliance with the escrow account and appraisal requirements.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

vii) with respect to applicable exception remediation measures for numerical exceptions, confirm that a letter of explanation, as well as a refund as applicable, was delivered or placed in the

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

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

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

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

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

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

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

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

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

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

<u>Qualified Mortgage</u>

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

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

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

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

<u>General Ability to Repay</u>

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

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

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

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

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

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

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

iv) with respect to a borrower that has waived the three (3) business day disclosure requirement, confirm that (a) the borrower has signed the waiver or other acknowledgment at least three

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

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

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

**(XI) FIRREA Review**

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

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

**(XII) Document Review**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW**

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

**OVERALL RESULTS SUMMARY (85 MORTGAGE LOANS)**

Infinity's review to NRSRO grading requirements covers eighty-five (85) mortgage loans. Within those mortgage loans, Infinity graded eighty-one (81) mortgage loans as "A" and four (4) mortgage loans as "B".

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**DBRS Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** |
| &nbsp;&nbsp;**DBRS Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;85 | &nbsp;&nbsp;82 | &nbsp;&nbsp;41 | &nbsp;&nbsp;81 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**DBRS Grade** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;**DBRS Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;96.47% | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;95.29% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;3.53% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;4.71% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY (85 MORTGAGE LOANS)**

Of the eighty-five (85) mortgage loans reviewed, 0 (0.00%) mortgage loans had tape discrepancies across zero (0) unique data fields.

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**# of Variances** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |

---

**ADDITIONAL LOAN POPULATION SUMMARY (85 MORTGAGE LOANS)**

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

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original<br> Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;85 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$35705100.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**85** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$35705100.00** | &nbsp;&nbsp;**100.00%** |

---

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---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original <br> Balance** |
| &nbsp;&nbsp;2 | &nbsp;&nbsp;85 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$35705100.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**85** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$35705100.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original <br> Balance** |
| &nbsp;&nbsp;Cash Out: Debt Consolidation | &nbsp;&nbsp;2 | &nbsp;&nbsp;2.35% | &nbsp;&nbsp;$695000.00 | &nbsp;&nbsp;1.95% |
| &nbsp;&nbsp;Cash Out: Home Improvement/Renovation | &nbsp;&nbsp;20 | &nbsp;&nbsp;23.53% | &nbsp;&nbsp;$7315700.00 | &nbsp;&nbsp;20.49% |
| &nbsp;&nbsp;Cash Out: Other/Multi- purpose/Unknown purpose | &nbsp;&nbsp;62 | &nbsp;&nbsp;72.94% | &nbsp;&nbsp;$27444400.00 | &nbsp;&nbsp;76.86% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.18% | &nbsp;&nbsp;$250000.00 | &nbsp;&nbsp;0.70% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**85** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$35705100.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Amortization Term** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original <br> Balance** |
| &nbsp;&nbsp;360 Months | &nbsp;&nbsp;85 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$35705100.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**85** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$35705100.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original <br> Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;67 | &nbsp;&nbsp;78.82% | &nbsp;&nbsp;$29399300.00 | &nbsp;&nbsp;82.34% |
| &nbsp;&nbsp;Secondary | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.18% | &nbsp;&nbsp;$750000.00 | &nbsp;&nbsp;2.10% |
| &nbsp;&nbsp;Investor | &nbsp;&nbsp;17 | &nbsp;&nbsp;20.00% | &nbsp;&nbsp;$5555800.00 | &nbsp;&nbsp;15.56% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**85** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$35705100.00** | &nbsp;&nbsp;**100.00%** |

---

**EXHIBIT A**

---

| |
|:---|
| &nbsp;&nbsp;**Guidelines** |
| &nbsp;&nbsp;VPM_Loan_Eligibility_Guidelines_Equity Solutions_20250211.pdf |
| &nbsp;&nbsp;VPM_Loan_Eligibility_Guidelines_Equity Solutions_20250311.pdf |
| &nbsp;&nbsp;VPM_Loan_Eligibility_Guidelines_Equity Solutions_20250512.pdf |
| &nbsp;&nbsp;VPM_Loan_Eligibility_Guidelines_Equity Solutions_20250715.pdf |

---

17 \| P a g e

## Exhibit 99.4

[VISTA POINT ASSETS LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.4 - Schedule 1**

---

| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Dummy ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** | **Initial Property Loan Grades DBRS** | **Initial Property Loan Grades Fitch** | **Initial Property Loan Grades Kroll** | **Initial Property Loan Grades Moody's** | **Initial Property Loan Grades S&P** | **Initial Overall Loan Grades Moody's** | **Final Credit Loan Grades DBRS** | **Final Credit Loan Grades Kroll** | **Final Credit Loan Grades Moody's** | **Final Property Loan Grades DBRS** | **Final Property Loan Grades Fitch** | **Final Property Loan Grades Kroll** | **Final Property Loan Grades Moody's** | **Final Property Loan Grades S&P** |
| xx | 45284977 |  |  | xx C A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable C | C | A | A | A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | 45878271 |  |  | xx D A | A | A | A | A | A D | D | A | A | xx- 1st Payment Letter showing interim servicer info noted on 1003 but xx is 1st mtg lender.pdf A | A | A | A | A | A |
| xx | 49164141 |  |  | xx A C | A | A | A | A | A C | C | A | A | A | A | A | A | A | A |
| xx | 48371548 |  |  | xx D A | A | A | A | A | A D | D | A | A | A | A | A | A | A | A |
| xx | 48261162 |  |  | xx A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | A | A | A | A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | 43470572 |  |  | xx A D | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable D | D | A | A | A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | 49205138 |  |  | xx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| xx | 42673575 |  |  | xx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| xx | 44182079 |  |  | xx A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | A | A | A | A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | 41292558 |  |  | xx A D | A | A | A | A | A D | D | A | A | A | A | A | A | A | A |
| xx | 45511957 |  |  | xx A D | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable D | D | A | A | A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | 42632478 |  |  | xx A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | A | A | A | A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | 43455023 |  |  | xx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| xx | 40202427 |  |  | xx A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | A | A | A | A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | 41104227 |  |  | xx A C | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable C | C | A | A | A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | 48399455 |  |  | xx A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | A | A | A | A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | 40773582 |  |  | xx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| xx | 45455430 |  |  | xx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| xx | 42107757 |  |  | xx A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | A | A | A | A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | 43163943 |  |  | xx A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | A | A | A | A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | 47862014 |  |  | xx B A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable B | B | B | B | B A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable B |
| xx | 47780691 |  |  | xx A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | A | A | A | A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | 45747083 |  |  | xx A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Waived-Exception required under xx for a non-warrantable condo due to mortgagee responsible for 7-12<br> months of assessments - Due Diligence Vendor-08/01/2025 A | Waived-Exception required under xx for a non-warrantable condo due to mortgagee responsible for 7-12<br> months of assessments - Due Diligence Vendor-08/01/2025<br> A | A | A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | 47643678 |  |  | xx A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | A | A | A | A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | 41784332 |  |  | xx A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | A | A | A | A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | 41053216 |  |  | xx A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | A | A | A | A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | 44593773 |  |  | xx D A | A | A | A | A | A D | D | A | A | A | A | A | A | A | A |
| xx | 46993385 |  |  | xx D A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable D | D | A | A | A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | 41017805 |  |  | xx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| xx | 41357367 |  |  | xx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| xx | 45471322 |  |  | xx D A | A | A | A | A | A D | D | A | A | A | A | A | A | A | A |
| xx | 49878824 |  |  | xx A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | A | A | A | A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | 43657972 |  |  | xx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| xx | 40094475 |  |  | xx A B | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable C | C | A | A | A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | 48485962 |  |  | xx A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | A | A | A | A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | 48539043 |  |  | xx B A | A | A | A | A | A B | B | B | B | B A | A | A | A | A | A B |
| xx | 46638807 |  |  | xx A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | A | A | A | A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | 42879019 |  |  | xx A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | A | A | A | A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | 41299248 |  |  | xx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| xx | 47316427 |  |  | xx A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | A | A | • xx DSCR <br> • LTV xx <br> • DSCR 1.038 (using market rents $12,300) <br> • Cashout <br> • Rate 9.375% | A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | 41106094 |  |  | xx D C | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable D | D | A | A | A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | 43780739 |  |  | xx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| xx | 42735976 |  |  | xx A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | A | A | A | A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | 42618122 |  |  | xx A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable B | B | A | A | A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable B |
| xx | 45583958 |  |  | xx A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | A | A | A | A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | 49309965 |  |  | xx D A | A | A | A | A | A D | D | A | A | A | A | A | A | A | A |
| xx | 40395026 |  |  | xx A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | A | A | A | A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | 46241788 |  |  | xx A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | A | A | A | A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | 40673688 |  |  | xx A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | A | A | A | A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | 48343490 |  |  | xx A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | A | A | A | A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | 42799685 |  |  | xx A D | A | A | A | A | A D | D | A | A | A | A | A | A | A | A |
| xx | 46205559 |  |  | xx A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | A | A | A | A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | 40264072 |  |  | xx D A | A | A | A | A | A D | D | A | A | A | A | A | A | A | A |
| xx | 47867235 |  |  | xx D A | A | A | A | A | A D | D | A | A | A | A | A | A | A | A |
| xx | 42902658 |  |  | xx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| xx | 43007808 |  |  | xx A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | A | A | A | A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | 43824391 |  |  | xx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| xx | 40430029 |  |  | xx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| xx | 42593388 |  |  | xx A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | A | A | A | A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | 48093383 |  |  | xx D A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable D | D | A | A | A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | 40483916 |  |  | xx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| xx | 47364565 |  |  | xx D A | A | A | A | A | A D | D | A | A | A | A | A | A | A | A |
| xx | 41001545 |  |  | xx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| xx | 43394632 |  |  | xx A | A | A | A | A | A | Resolved-Resolved-06/12/2025 HOI document received. - Due Diligence Vendor-06/13/2025 <br> Ready for Review-Document Uploaded. EOI w/1st mortgagee clause and borrower name. Please clear conditions. - Seller-06/11/2025 <br> Open- Hazard Insurance Policy Partially Provided - Document is incomplete or missing required policy information. Missing required 1st lien mortgagee clause on Hazard Policy. File contains Hazard policy with xx as Mortgagee. 1st lien is currently with Lender xx which is not reflected. Both mortgagee clause need to be evident on Second Mortgage loan. - Due Diligence Vendor-06/05/2025 A | A | A | A | A | A | A | A | A |
| xx | 47773724 |  |  | xx D A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable D | D | A | A | A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | 45231216 |  |  | xx A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | A | A | A | A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | 40107837 |  |  | xx A C | A | A | A | A | A C | C | A | A | A | A | A | A | A | A |
| xx | 49971596 |  |  | xx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| xx | 47040639 |  |  | xx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| xx | 44424853 |  |  | xx A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | A | A | A | A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | 43871094 |  |  | xx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| xx | 45019264 |  |  | xx D A | A | A | A | A | A D | D | A | A | A | A | A | A | A | A |
| xx | 42677099 |  |  | xx A C | A | A | A | A | A C | C | A | A | A | A | A | A | A | A |
| xx | 40771101 |  |  | xx A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | A | A | A | A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | 40061219 |  |  | xx A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | A | A | A | A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | 43001367 |  |  | xx A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | A | A | A | A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | 40002712 |  |  | xx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| xx | 46399367 |  |  | xx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| xx | 41267930 |  |  | xx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| xx | 48268012 |  |  | xx D A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable D | D | A | A | A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | 44999405 |  |  | xx A C | A | A | A | A | A C | C | A | A | A | A | A | A | A | A |
| xx | 42671166 |  |  | xx D C | A | A | A | A | A D | D | B | B | B A | A | A | A | A | A B |
| xx | 44976449 |  |  | xx A C | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable C | C | A | A | A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xx | 49867558 |  |  | xx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| xx | 46423785 |  |  | xx A D | A | A | A | A | A D | D | A | A | A | A | A | A | A | A |

---

## Exhibit 99.4

[VISTA POINT ASSETS LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.4 - Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Dummy 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?** |
| xx | 45284977 |  | C A | Closed | FCRE5047 | 2025-07-07 11:27 | 2025-07-09 15:04 | Resolved | 1 - Information C A | Credit | Title | Amount of title insurance is less than mortgage amount | Resolved-Resolved-07/09/2025-Recent Title report received. - Due Diligence Vendor-07/09/2025 <br>Ready for Review-Document Uploaded. - Seller-07/09/2025 <br>Open-Amount of title insurance is less than mortgage amount . required supplement title report . - Due Diligence Vendor-07/07/2025 | Ready for Review-Document Uploaded. - Seller-07/09/2025<br>| Resolved-Resolved-07/09/2025-Recent Title report received. - Due Diligence Vendor-07/09/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.32% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8 Years<br> 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> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of xx 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 13.2 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 |  | POLICY.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | UT | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A |
| xx | 45878271 |  | D A | Closed | FCRE1158 | 2025-07-07 11:34 | 2025-07-09 15:12 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Partial | Resolved-Resolved-07/08/2025- First Payment letter received. - Due Diligence Vendor-07/09/2025 <br> Ready for Review-Document Uploaded. xx is our interim servicer but we are the 1st and 2nd mortgage lender. See 1st payment letter attached. Please clear condition. - Seller-07/08/2025 <br> Open-Document is incomplete or missing required policy information. Hazard Insurance Policy Partially Provided - Document is incomplete or missing required policy information. Missing required 1st lien mortgagee clause on Hazard Policy. File contains Hazard policy with xx as Mortgagee. 1st lien is currently with xx Lending which is not reflected. Both mortgagee clause need to be evident on Second Mortgage loan, but as per HOI 1st mortgage shows xx. - Due Diligence Vendor-07/07/2025 | Ready for Review-Document Uploaded. xx is our interim servicer but we are the 1st and 2nd mortgage lender. See 1st payment letter attached. Please clear condition. - Seller-07/08/2025 | Resolved-Resolved-07/08/2025- First Payment letter received. - Due Diligence Vendor-07/09/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.44 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 44.91% 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 - 20 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 - 6.27 Years |  | xx- 1st Payment Letter showing interim servicer info noted on 1003 but xx is 1st mtg lender.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | MT | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A |
| xx | 49164141 |  | C A | Closed | finding-47 | 2025-07-07 17:23 | 2025-07-09 13:25 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Resolved 07/09/2025: Received PCCD with funding date xx and exception was cleared.<br> - Due Diligence Vendor-07/09/2025 <br> Resolved- - Due Diligence Vendor-07/09/2025 <br> Ready for Review-Document Uploaded. - Seller-07/09/2025 <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. \*\*\*\*The Final CD shows a funding date of xx - which is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date.<br> - Due Diligence Vendor-07/08/2025 <br> Open- - Due Diligence Vendor-07/08/2025 <br> Open- - Due Diligence Vendor-07/07/2025 <br> Open- - Due Diligence Vendor-07/07/2025 | Ready for Review-Document Uploaded. - Seller-07/09/2025<br>| Resolved-Resolved 07/09/2025: Received PCCD with funding date xx and exception was cleared.<br> - Due Diligence Vendor-07/09/2025 <br> Resolved- - Due Diligence Vendor-07/09/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 803 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of xx 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 110.71 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 - 18.83 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 18.76 Years |  | PCCD.pdf<br>FSS.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| xx | 48371548 |  | D A | Closed | FCRE1342 | 2025-07-07 15:10 | 2025-07-09 11:39 | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower 1 Business Bank Statements Missing | Resolved-Resolved-07/08/2025- August and May 2023 bank statement A/C#xx received. - Due Diligence Vendor-07/09/2025 <br> Ready for Review-Document Uploaded. Missing bank statements attached. Please clear condition. - Seller-07/08/2025 <br> Open-Aug 2023 and May 2023 bank statement is missing in the loan file, updated from the Lender calculation sheet. Account # xx - Due Diligence Vendor-07/07/2025 | Ready for Review-Document Uploaded. Missing bank statements attached. Please clear condition. - Seller-07/08/2025<br>| Resolved-Resolved-07/08/2025- August and May 2023 bank statement A/C#xx received. - Due Diligence Vendor-07/09/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 25 Years<br> Borrower 1 Has Stable 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 - 5.83 Years<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 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 62.11 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 10.25% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xx 05.31.23.pdf<br> xx 08.31.23.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xx | CA | Investment | Refinance | Cash Out - Other | N/A | N/A |
| xx | 48371548 |  | D A | Closed | FCRE1503 | 2025-07-07 15:09 | 2025-07-09 11:34 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Resolved-07/09/2025- First Payment letter received, still they they do not have mortgage statement. - Due Diligence Vendor-07/09/2025 <br> Ready for Review-Document Uploaded. 1st Payment Letter for xx attached, there is no mtg stmt yet. Please clear condition - Seller-07/08/2025 <br> Open-Mortgage statement missing # xx # xx # xx. - Due Diligence Vendor-07/07/2025 | Ready for Review-Document Uploaded. 1st Payment Letter for xx attached, there is no mtg stmt yet. Please clear condition - Seller-07/08/2025 | Resolved-Resolved-07/09/2025- First Payment letter received, still they they do not have mortgage statement. - Due Diligence Vendor-07/09/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 25 Years<br> Borrower 1 Has Stable 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 - 5.83 Years<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 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 62.11 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 10.25% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xx - 1st Payment Letter for xx, there is no mtg stmt yet.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xx | CA | Investment | Refinance | Cash Out - Other | N/A | N/A |
| xx | 48261162 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | GA | Primary Residence | Refinance | Cash Out - Other |  |  |
| xx | 43470572 |  | D A | Closed | FCOM1477 | 2025-07-14 13:40 | 2025-07-14 19:04 | Resolved | 1 - Information D A | Compliance | Missing Doc - Rate Lock | Missing evidence of rate lock | Resolved-Resolved 07/14/2025: Received Locked Initial Closing Disclosure with Issued date 6/18/2025 and exception was cleared.<br> - Due Diligence Vendor-07/14/2025 <br> Ready for Review-Document Uploaded. COC w/initial CD sent to borrower but borrower did not open or acknowledge. See attached. Please clear condition. - Seller-07/14/2025 <br> Open-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. - Due Diligence Vendor-07/14/2025 | Ready for Review-Document Uploaded. COC w/initial CD sent to borrower but borrower did not open or acknowledge. See attached. Please clear condition. - Seller-07/14/2025<br>| Resolved-Resolved 07/14/2025: Received Locked Initial Closing Disclosure with Issued date 6/18/2025 and exception was cleared.<br> - Due Diligence Vendor-07/14/2025<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 - 16.06 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 - 16.06 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 35.63 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 38.89% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xx - Locked CD sent w.no acknowledgment.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| xx | 49205138 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other |  |  |
| xx | 42673575 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xx | HI | Investment | Refinance | Cash Out - Other |  |  |
| xx | 44182079 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | GA | Primary Residence | Refinance | Cash Out - Other |  |  |
| xx | 41292558 |  | D A | Closed | finding-47 | 2025-07-18 10:47 | 2025-07-22 11:38 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Resolved 07/21/2025: Received PCCD with funding date xx and exception was cleared. - Due Diligence Vendor-07/22/2025 <br> Resolved- - Due Diligence Vendor-07/21/2025 <br> Ready for Review-Document Uploaded. - Seller-07/18/2025 <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. \*\*\*\*The Final CD shows a funding date of xx - which is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date.<br> - Due Diligence Vendor-07/18/2025 <br> Open- - Due Diligence Vendor-07/18/2025 <br> Open- - Due Diligence Vendor-07/18/2025 | Ready for Review-Document Uploaded. - Seller-07/18/2025<br>| Resolved-Resolved 07/21/2025: Received PCCD with funding date xx and exception was cleared. - Due Diligence Vendor-07/22/2025 <br> Resolved- - Due Diligence Vendor-07/21/2025 | Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.73 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 - 11.53 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.75 Years |  | PCCD.pdf<br>FSS.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| xx | 41292558 |  | D A | Closed | FCOM1233 | 2025-07-17 16:23 | 2025-07-18 18:26 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Final 1003 is Incomplete | Resolved-Resolved-07/18/2025- Final 1003 document received with all missing pages. - Due Diligence Vendor-07/18/2025 <br> Ready for Review-Document Uploaded. - Seller-07/18/2025 <br> Open-The Final 1003 is Incomplete Final 1003 7,8 of 18 pages is missing. - Due Diligence Vendor-07/17/2025 | Ready for Review-Document Uploaded. - Seller-07/18/2025<br>| Resolved-Resolved-07/18/2025- Final 1003 document received with all missing pages. - Due Diligence Vendor-07/18/2025<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> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.73 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 - 11.53 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.75 Years |  | All pages 1003.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| xx | 45511957 |  | D A | Closed | FCOM2630 | 2025-07-18 11:47 | 2025-07-21 16:00 | Resolved | 1 - Information D A | Compliance | Missing Doc - State Disclosure | Attorney Preference Letter missing or unexecuted | Resolved-Resolved 07/21/2025: Received Right to selection of attorney with date 05/08/2025 and exception was cleared.<br> - Due Diligence Vendor-07/21/2025 <br>Resolved-Right To Choose Attorney or Attorney Preference Resolved or Not Applicable - Due Diligence Vendor-07/21/2025 <br>Ready for Review-Document Uploaded. - Seller-07/21/2025 <br>Open-Right To Choose Attorney or Attorney Preference Not In File - Due Diligence Vendor-07/18/2025 | Ready for Review-Document Uploaded. - Seller-07/21/2025<br>| Resolved-Resolved 07/21/2025: Received Right to selection of attorney with date 05/08/2025 and exception was cleared.<br> - Due Diligence Vendor-07/21/2025 <br>Resolved-Right To Choose Attorney or Attorney Preference Resolved or Not Applicable - Due Diligence Vendor-07/21/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.3% 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 0.08<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 - 20.44 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 19.58 Years<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 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 39.25 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of xx Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.45 Years |  | NM Notice of Right to Selection of Attorney.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | NM | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A |
| xx | 42632478 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xx | FL | Investment | Refinance | Cash Out - Other |  |  |
| xx | 43455023 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xx | NJ | Investment | Refinance | Cash Out - Other |  |  |
| xx | 40202427 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno |  |  |
| xx | 41104227 |  | C A | Closed | finding-47 | 2025-07-18 13:13 | 2025-07-22 11:34 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Resolved 07/22/2025: Received PCCD with funding date xx and exception was cleared.<br> - Due Diligence Vendor-07/22/2025 <br> Resolved- - Due Diligence Vendor-07/22/2025 <br> Ready for Review-Document Uploaded. - Seller-07/21/2025 <br> Open- - Due Diligence Vendor-07/21/2025 <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-07/18/2025 <br> Open- - Due Diligence Vendor-07/18/2025 | Ready for Review-Document Uploaded. - Seller-07/21/2025<br>| Resolved-Resolved 07/22/2025: Received PCCD with funding date xx and exception was cleared.<br> - Due Diligence Vendor-07/22/2025 <br> Resolved- - Due Diligence Vendor-07/22/2025 | Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 34.55 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 25.25 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 - 34.55 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.22% 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 xx Is Below the Guideline Maximum Of 65% By Ten Percent (10%) or More |  | PCCD.pdf<br>fss.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| xx | 48399455 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno |  |  |
| xx | 40773582 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other |  |  |
| xx | 45455430 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other |  |  |
| xx | 42107757 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno |  |  |
| xx | 43163943 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno |  |  |
| xx | 47862014 |  | B A | Closed | FCRE1260 | 2025-08-01 11:43 | 2025-08-01 11:43 | Waived | 2 - Non-Material B | Credit | Missing Doc - Approval Info | Collateral Rep and Warrant Relief Missing | Waived-Exception required under xx for a non-warrantable condo due to mortgagee responsible for 7-12<br> months of assessments - Due Diligence Vendor-08/01/2025 |  | Waived-Exception required under xx for a non-warrantable condo due to mortgagee responsible for 7-12<br> months of assessments - Due Diligence Vendor-08/01/2025 | 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 - 24.42 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 779 is Greater Than The Guideline Minimum Of 720 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 - 24.41 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.36% 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 50.72 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of xx Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More | 1) The FICO is 786<br> 2) Mortgage payment history is 0 x 30 x 36<br> 3) The residual income is xx |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | NV | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | Originator Pre-Close | Yes |
| xx | 47780691 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno |  |  |
| xx | 45747083 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno |  |  |
| xx | 47643678 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other |  |  |
| xx | 41784332 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno |  |  |
| xx | 41053216 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other |  |  |
| xx | 44593773 |  | D A | Closed | FCRE5770 | 2025-08-06 14:39 | 2025-08-11 10:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Resolved-08/11/2025-Credit Report received - Due Diligence Vendor-08/11/2025 <br>Ready for Review-Document Uploaded. Credit report attached, please clear condition. - Seller-08/08/2025 <br>Open-Borrower 1 Credit Report is Missing. - Due Diligence Vendor-08/06/2025 | Ready for Review-Document Uploaded. Credit report attached, please clear condition. - Seller-08/08/2025<br>| Resolved-Resolved-08/11/2025-Credit Report received - Due Diligence Vendor-08/11/2025<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 - 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 - 9.84 Years |  | xx - Credit_Report.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xx | CA | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| xx | 46993385 |  | D A | Closed | FCRE1158 | 2025-08-06 15:30 | 2025-09-02 19:32 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Partial | Resolved-Resolved – 09/02/2025: HOI document received, reflecting the 1st lien mortgagee clause. - Due Diligence Vendor-09/02/2025 <br> Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-09/02/2025 <br> Ready for Review-Document Uploaded. Insurance w/1st mortgagee clause included attached. Please clear condition. - Seller-09/02/2025 <br> Open- Hazard Insurance Policy Partially Provided - Document is incomplete or missing required policy information. Missing required 1st lien mortgagee clause on Hazard Policy. File contains Hazard policy with xx as Mortgagee. 1st lien is currently with Lender xx which is not reflected. Both mortgagee clause need to be evident on Second Mortgage loan. - Due Diligence Vendor-08/06/2025 | Ready for Review-Document Uploaded. Insurance w/1st mortgagee clause included attached. Please clear condition. - Seller-09/02/2025 | Resolved-Resolved – 09/02/2025: HOI document received, reflecting the 1st lien mortgagee clause. - Due Diligence Vendor-09/02/2025 <br>Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-09/02/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 19.99% 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 - 11.5 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of xx 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 77.7 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 - 10.12 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.12 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 746 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xx - Insurance including 1st mortgagee clause.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A |
| xx | 41017805 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | AZ | Primary Residence | Refinance | Cash Out - Home Improvement/Reno |  |  |
| xx | 41357367 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other |  |  |
| xx | 45471322 |  | D A | Closed | FCRE1503 | 2025-08-06 13:48 | 2025-08-11 18:42 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Resolved on 08/11/2025 – The 1st and 2nd loans closed concurrently, so we did not receive a copy of the signed Note; however, the signed settlement statement has been received. - Due Diligence Vendor-08/11/2025 <br> Ready for Review-Document Uploaded. 1st and 2nd closed concurrently so we didn't get copy of signed Note on 1st and there is no mortgage statement yet. (attached is FSS for both 1st and 2nd) Please clear condition. - Seller-08/08/2025 <br> Open-Received one in the file Note document is not a signed copy for property "xx", Provide mortgage statement for the property "xx". - Due Diligence Vendor-08/06/2025 | Ready for Review-Document Uploaded. 1st and 2nd closed concurrently so we didn't get copy of signed Note on 1st and there is no mortgage statement yet. (attached is FSS for both 1st and 2nd) Please clear condition. - Seller-08/08/2025 | Resolved-Resolved on 08/11/2025 – The 1st and 2nd loans closed concurrently, so we did not receive a copy of the signed Note; however, the signed settlement statement has been received. - Due Diligence Vendor-08/11/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.16 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 34.9% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.59 Years<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> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17.59 Years |  | xx - FSS.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xx | FL | Investment | Refinance | Cash Out - Other | N/A | N/A |
| xx | 45471322 |  | D A | Closed | FCRE3760 | 2025-08-06 13:48 | 2025-08-11 18:20 | Resolved | 1 - Information D A | Credit | Missing Doc - Approval Info | Entity Formation Doc is missing | Resolved-Resolved on 08/11/2025 – W9 document received, displaying the EIN number. - Due Diligence Vendor-08/11/2025 <br> Ready for Review-Document Uploaded. EIN reflected on W9. Please clear condition. - Seller-08/08/2025 <br> Open-EIN document is missing in the file. - Due Diligence Vendor-08/06/2025 | Ready for Review-Document Uploaded. EIN reflected on W9. Please clear condition. - Seller-08/08/2025<br>| Resolved-Resolved on 08/11/2025 – W9 document received, displaying the EIN number. - Due Diligence Vendor-08/11/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.16 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 34.9% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.59 Years<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> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17.59 Years |  | xx - EIN.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xx | FL | Investment | Refinance | Cash Out - Other | N/A | N/A |
| xx | 49878824 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other |  |  |
| xx | 43657972 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other |  |  |
| xx | 40094475 |  | C A B | Closed | FCOM5135 | 2025-08-13 14:24 | 2025-08-15 20:59 | Resolved | 1 - Information B A | Compliance | Missing Doc - Federal Disclosure | Required Affiliated Business Disclosure Missing | Resolved-Resolved 8/15/2025: Confirmation received loan packages do not have Affiliates and exception is cleared. - Due Diligence Vendor-08/16/2025 <br>Resolved-Required Affiliated Business Disclosure Resolved - Due Diligence Vendor-08/16/2025 <br>Ready for Review-We do not have any affiliates, this disclosure is not needed. - Seller-08/14/2025 <br>Open-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-08/13/2025 | Ready for Review-We do not have any affiliates, this disclosure is not needed. - Seller-08/14/2025<br>| Resolved-Resolved 8/15/2025: Confirmation received loan packages do not have Affiliates and exception is cleared. - Due Diligence Vendor-08/16/2025 <br>Resolved-Required Affiliated Business Disclosure Resolved - Due Diligence Vendor-08/16/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 52.16 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of xx 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 - 6 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.17% 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 - 5.05 Years<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.05 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 798 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xx | HI | Investment | Refinance | Cash Out - Other | N/A | N/A |
| xx | 40094475 |  | C A B | Closed | FVAL4977 | 2025-08-14 12:22 | 2025-08-15 20:46 | Resolved | 1 - Information C A | Property | Appraisal | Wrong appraisal form for single family home | Resolved-Resolve-08/15/2025- According to guideline 1004 document is allow. - Due Diligence Vendor-08/16/2025 <br>Ready for Review-FNMA allows 1004 to be completed on detached condo if the appraiser includes an adequate description of the project and information about the homeowners' association fees and the quality of the project maintenance. Appraiser has done that and also provided some condo documents. Please clear condition. - Seller-08/14/2025 <br>Open-Property type is condo Detached , however 1004 appraisal document is provided . - Due Diligence Vendor-08/14/2025 | Ready for Review-FNMA allows 1004 to be completed on detached condo if the appraiser includes an adequate description of the project and information about the homeowners' association fees and the quality of the project maintenance. Appraiser has done that and also provided some condo documents. Please clear condition. - Seller-08/14/2025<br>| Resolved-Resolve-08/15/2025- According to guideline 1004 document is allow. - Due Diligence Vendor-08/16/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 52.16 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of xx 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 - 6 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.17% 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 - 5.05 Years<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.05 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 798 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xx | HI | Investment | Refinance | Cash Out - Other | N/A | N/A |
| xx | 48485962 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other |  |  |
| xx | 48539043 |  | B A | Closed | FCRE8201 | 2025-08-18 14:21 | 2025-08-18 14:55 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Exception to use market rents and not current leases for subject property. The use of market rents will allow loan amount of xx. - Due Diligence Vendor-08/18/2025 |  | Waived-Exception to use market rents and not current leases for subject property. The use of market rents will allow loan amount of xx. - Due Diligence Vendor-08/18/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 789 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 15.97 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months | • xx DSCR <br> • LTV xx <br> • DSCR 1.038 (using market rents $12,300) <br> • Cashout <br> • Rate 9.375% |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xx | CA | Investment | Refinance | Cash Out - Home Improvement/Reno | Originator Pre-Close | Yes |
| xx | 46638807 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | NV | Primary Residence | Refinance | Cash Out - Other |  |  |
| xx | 42879019 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other |  |  |
| xx | 41299248 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xx | FL | Investment | Refinance | Cash Out - Home Improvement/Reno |  |  |
| xx | 47316427 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other |  |  |
| xx | 41106094 |  | D A C | Closed | finding-3532 | 2025-08-25 10:43 | 2025-08-26 19:27 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-Resolved 08/26/2025: Received ICD with Signed date 8/11/2025 and exception was cleared.<br> - Due Diligence Vendor-08/26/2025 <br> Resolved- - Due Diligence Vendor-08/26/2025 <br> Ready for Review-Document Uploaded. - Seller-08/26/2025 <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. \*\*\*\*\*\*\*\*\*\*\*\*\* Proof of Initial Closing Disclosure delivery not less than 3 days prior to consummation, has not been provided - Due Diligence Vendor-08/25/2025 <br> Open- - Due Diligence Vendor-08/25/2025 <br> Open- - Due Diligence Vendor-08/25/2025 | Ready for Review-Document Uploaded. - Seller-08/26/2025<br>| Resolved-Resolved 08/26/2025: Received ICD with Signed date 8/11/2025 and exception was cleared.<br> - Due Diligence Vendor-08/26/2025 <br>Resolved- - Due Diligence Vendor-08/26/2025<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 - 9.06 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 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 - 9.06 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.5 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 8.69% 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 24.77 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of xx Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More |  | Signed ICD - xx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| xx | 41106094 |  | D A C | Closed | FVAL9739 | 2025-08-25 11:35 | 2025-08-26 19:10 | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-Resolved-08/26/2025- Property Condition Inspection document received. - Due Diligence Vendor-08/26/2025 <br>Ready for Review-Document Uploaded. Property Condition Inspection report attached. Please clear condition. - Seller-08/26/2025 <br>Open-As per Guidelines, AVM with a 90% Confidence Factor and Property Condition Inspection is required. Property condition inspection report is missing in the file. - Due Diligence Vendor-08/25/2025 | Ready for Review-Document Uploaded. Property Condition Inspection report attached. Please clear condition. - Seller-08/26/2025<br>| Resolved-Resolved-08/26/2025- Property Condition Inspection document received. - Due Diligence Vendor-08/26/2025<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 - 9.06 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 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 - 9.06 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.5 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 8.69% 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 24.77 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of xx Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More |  | xx - Property Condition Inspection Report.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| xx | 41106094 |  | D A C | Closed | FCRE2109 | 2025-08-25 06:39 | 2025-08-26 19:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet or Bank Statement Summary is missing | Resolved-Resolved-08/26/2025- Lender Worksheets received. - Due Diligence Vendor-08/26/2025 <br>Ready for Review-Document Uploaded. Income calculator attached. Please clear condition. - Seller-08/26/2025 <br>Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-08/25/2025 | Ready for Review-Document Uploaded. Income calculator attached. Please clear condition. - Seller-08/26/2025<br>| Resolved-Resolved-08/26/2025- Lender Worksheets received. - Due Diligence Vendor-08/26/2025<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 - 9.06 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 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 - 9.06 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.5 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 8.69% 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 24.77 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of xx Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More |  | xx - Income Calculator.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| xx | 43780739 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xx | NC | Investment | Refinance | Cash Out - Other |  |  |
| xx | 42735976 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other |  |  |
| xx | 42618122 |  | B A | Closed | FVAL5472 | 2025-08-26 10:26 | 2025-08-27 13:02 | Waived | 2 - Non-Material B | Property | Property Issue | Property or house size is outside of guidelines | Waived-2-4 UNIT SUBJECT ALL UNITS UNDER THE 600 SQ FEET REQUIRED PER GUIDELINES - Due Diligence Vendor-08/26/2025 |  | Waived-2-4 UNIT SUBJECT ALL UNITS UNDER THE 600 SQ FEET REQUIRED PER GUIDELINES - Due Diligence Vendor-08/26/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of xx 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 50.09 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 809 is Greater Than The Guideline Minimum Of 720 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 Years | 1) Good credit w/multiple mortgages 0x30<br> 2) DSCR at 1.58 with 1.00 required<br> 3) Fico 809 with 720 required<br> 4) No major derogatory credit or major credit events<br> 5) CLTV at xx w/Max 80%<br> 6) 46 months reserves w/none required |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xx | CA | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes |
| xx | 45583958 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other |  |  |
| xx | 49309965 |  | D A | Closed | FCRE1316 | 2025-08-28 15:36 | 2025-09-02 18:24 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Resolved-09/02/2025-Borrower 1 3rd Party VOE Prior to Close document received. - Due Diligence Vendor-09/02/2025 <br>Ready for Review-Document Uploaded. - Seller-09/02/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing . - Due Diligence Vendor-08/28/2025 | Ready for Review-Document Uploaded. - Seller-09/02/2025<br>| Resolved-Resolved-09/02/2025-Borrower 1 3rd Party VOE Prior to Close document received. - Due Diligence Vendor-09/02/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of xx Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.01 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.28% 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 23.94 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21 |  | Verb VOE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A |
| xx | 40395026 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | NV | Primary Residence | Refinance | Cash Out - Other |  |  |
| xx | 46241788 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other |  |  |
| xx | 40673688 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | FL | Primary Residence | Refinance | Cash Out - Other |  |  |
| xx | 48343490 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other |  |  |
| xx | 42799685 |  | D A | Closed | FCOM1252 | 2025-09-11 15:14 | 2025-09-16 11:45 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Loan Estimate | Resolved-Resolved 09/16/2025: This is a business purpose loan- Not required Loan Estimate and exception was cleared. - Due Diligence Vendor-09/16/2025 <br>Ready for Review-This is a business purpose loan - Seller-09/11/2025 <br>Open-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. - Due Diligence Vendor-09/11/2025 | Ready for Review-This is a business purpose loan - Seller-09/11/2025<br>| Resolved-Resolved 09/16/2025: This is a business purpose loan- Not required Loan Estimate and exception was cleared. - Due Diligence Vendor-09/16/2025<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 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 0.12<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 - 12 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 48.72 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xx | NV | Investment | Refinance | Cash Out - Other | N/A | N/A |
| xx | 42799685 |  | D A | Closed | FCOM4227 | 2025-09-11 09:19 | 2025-09-16 11:44 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-Resolved 09/16/2025: This is a business purpose loan- Not required Closing Disclosure and exception was cleared. - Due Diligence Vendor-09/16/2025 <br>Ready for Review-This is a business purpose loan - Seller-09/11/2025 <br>Open-TRID: Missing Closing Disclosure \*\*\*\*\*\*Documentation provided does not contain the Initial Closing Disclosure. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings.<br> - Due Diligence Vendor-09/11/2025 | Ready for Review-This is a business purpose loan - Seller-09/11/2025<br>| Resolved-Resolved 09/16/2025: This is a business purpose loan- Not required Closing Disclosure and exception was cleared. - Due Diligence Vendor-09/16/2025<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 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 0.12<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 - 12 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 48.72 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xx | NV | Investment | Refinance | Cash Out - Other | N/A | N/A |
| xx | 42799685 |  | D A | Closed | FCOM1544 | 2025-09-11 05:00 | 2025-09-16 11:40 | Resolved | 1 - Information D A | Compliance | Missing Doc - CD | TRID: Missing Final Closing Disclosure | Resolved-Resolved 09/16/2025: Received Final Settlement statement with funding date xx and exception was cleared.<br> - Due Diligence Vendor-09/16/2025 <br> Ready for Review-Document Uploaded. Please see attached FSS this is a business purpose loan - Seller-09/11/2025 <br> Open-TRID: Missing Final Closing Disclosure \*\*\*\*\*\*Documentation provided does not contain the Final Closing Disclosure & Post Consummation Closing Disclosure. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Thank you<br> - Due Diligence Vendor-09/11/2025 | Ready for Review-Document Uploaded. Please see attached FSS this is a business purpose loan - Seller-09/11/2025<br>| Resolved-Resolved 09/16/2025: Received Final Settlement statement with funding date xx and exception was cleared.<br> - Due Diligence Vendor-09/16/2025 | 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>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<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 - 12 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 48.72 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | FINAL BuyerBorrower Statement.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xx | NV | Investment | Refinance | Cash Out - Other | N/A | N/A |
| xx | 46205559 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other |  |  |
| xx | 40264072 |  | D A | Closed | FCRE1158 | 2025-06-05 20:30 | 2025-06-24 21:43 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Partial | Resolved-Resolved-06/24/2025 HOI document received. - Due Diligence Vendor-06/25/2025 <br> Ready for Review-Document Uploaded. Insurance including 1st mortgagee clause attached. Please clear condition. - Seller-06/23/2025 <br> Open- Hazard Insurance Policy Partially Provided - Document is incomplete or missing required policy information. Missing required 1st lien mortgagee clause on Hazard Policy. File contains Hazard policy with xx as Mortgagee. 1st lien is currently with Lender xx which is not reflected. Both mortgagee clause need to be evident on Second Mortgage loan. - Due Diligence Vendor-06/06/2025 | Ready for Review-Document Uploaded. Insurance including 1st mortgagee clause attached. Please clear condition. - Seller-06/23/2025<br>| Resolved-Resolved-06/24/2025 HOI document received. - Due Diligence Vendor-06/25/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of xx 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 31.16 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 19.98% 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 - 12 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 21.42 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 - 21.42 Years |  | xx - 1st mortgagee on insurance.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| xx | 40264072 |  | D A | Closed | FCRE4963 | 2025-06-05 22:23 | 2025-06-09 21:26 | Resolved | 1 - Information C A | Credit | Liabilities | No evidence of required debt payoff | Resolved-Resolved-06/09/2025- Payoff Quote document received. - Due Diligence Vendor-06/10/2025 <br>Ready for Review-Document Uploaded. Payoff stmt attached, please clear condition - Seller-06/09/2025 <br>Open-Payoff Statement is missing for the Investment Property Mortgage payoff showing in Final C/D. - Due Diligence Vendor-06/06/2025 | Ready for Review-Document Uploaded. Payoff stmt attached, please clear condition - Seller-06/09/2025<br>| Resolved-Resolved-06/09/2025- Payoff Quote document received. - Due Diligence Vendor-06/10/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of xx 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 31.16 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 19.98% 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 - 12 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 21.42 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 - 21.42 Years |  | xx - Payoff_Demand_xx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| xx | 47867235 |  | D A | Closed | FCRE1156 | 2025-06-06 07:40 | 2025-06-12 20:09 | Resolved | 1 - Information C A | Credit | Insurance | Named Insured on Hazard Insurance does not match Borrower(s) Name(s) | Resolved-Resolved-06/12/2025 HOI document received with correct Borrower name. - Due Diligence Vendor-06/13/2025 <br> Resolved-Named Insured matches Borrower(s) Name(s) - Due Diligence Vendor-06/13/2025 <br> Ready for Review-Document Uploaded. EOI w/1st mortgagee clause and borrower name. Please clear conditions. - Seller-06/11/2025 <br> Open-Named Insured does not match Borrower(s) Name(s) Borrower Name is not on the HOI document . <br>However Lox provided authorizing non borrower as trustee # xx and even DOT misses Borrower signature . - Due Diligence Vendor-06/06/2025 | Ready for Review-Document Uploaded. EOI w/1st mortgagee clause and borrower name. Please clear conditions. - Seller-06/11/2025<br>| Resolved-Resolved-06/12/2025 HOI document received with correct Borrower name. - Due Diligence Vendor-06/13/2025 <br>Resolved-Named Insured matches Borrower(s) Name(s) - Due Diligence Vendor-06/13/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.83 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.52 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 33.13% 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 - 35 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 - 34.75 Years |  | xx - EOI w.borrower name and 1st mortgagee clause included.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| xx | 47867235 |  | D A | Closed | FCRE1158 | 2025-06-05 18:02 | 2025-06-12 20:06 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Partial | Resolved-Resolved-06/12/2025 HOI document received. - Due Diligence Vendor-06/13/2025 <br> Ready for Review-Document Uploaded. EOI w/1st mortgagee clause and borrower name. Please clear conditions. - Seller-06/11/2025 <br> Open- Hazard Insurance Policy Partially Provided - Document is incomplete or missing required policy information. Missing required 1st lien mortgagee clause on Hazard Policy. File contains Hazard policy with xx as Mortgagee. 1st lien is currently with Lender xx which is not reflected. Both mortgagee clause need to be evident on Second Mortgage loan. - Due Diligence Vendor-06/05/2025 | Ready for Review-Document Uploaded. EOI w/1st mortgagee clause and borrower name. Please clear conditions. - Seller-06/11/2025<br>| Resolved-Resolved-06/12/2025 HOI document received. - Due Diligence Vendor-06/13/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.83 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.52 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 33.13% 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 - 35 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 - 34.75 Years |  | xx - EOI w.borrower name and 1st mortgagee clause included.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| xx | 47867235 |  | D A | Closed | FCRE1118 | 2025-06-05 15:04 | 2025-06-10 21:33 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Deed of Trust Signature does not match Note | Resolved-Resolved-06/10/2025- Condition resolved. - Due Diligence Vendor-06/11/2025 <br> Ready for Review-The Note was signed by the Trustor, xx as an individual, and the Trustee, xx as Trustee of the xx.<br>The DOT is only signed by the Trustee, xx.<br>This trust structure was created to provide anonymity to the Trustor/Borrower, xx. This is no different than when we have a borrower sign as "Individually and as Trustee." The "Trustee" just happens to be a third party and is acting in their "Trustee" capacity only. <br> - Seller-06/09/2025 <br> Open-Borrower 1 Signature does not match Note Borrower 1 Signature is Missing in DOT , - Due Diligence Vendor-06/05/2025 | Ready for Review-The Note was signed by the Trustor, xx as an individual, and the Trustee, xx as Trustee of the xx.<br>The DOT is only signed by the Trustee, xx.<br>This trust structure was created to provide anonymity to the Trustor/Borrower, xx. This is no different than when we have a borrower sign as "Individually and as Trustee." The "Trustee" just happens to be a third party and is acting in their "Trustee" capacity only. <br> - Seller-06/09/2025 | Resolved-Resolved-06/10/2025- Condition resolved. - Due Diligence Vendor-06/11/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.83 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.52 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 33.13% 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 - 35 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 - 34.75 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| xx | 42902658 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Second Home | Refinance | Cash Out - Home Improvement/Reno |  |  |
| xx | 43007808 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other |  |  |
| xx | 43824391 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xx | CA | Investment | Refinance | Cash Out - Other |  |  |
| xx | 40430029 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other |  |  |
| xx | 42593388 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other |  |  |
| xx | 48093383 |  | D A | Closed | FCRE7347 | 2025-06-13 13:05 | 2025-06-30 20:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Resolved-06/30/2025- The recently submitted 1003 form does not display the lease amount. - Due Diligence Vendor-07/01/2025 <br> Ready for Review-Document Uploaded. Corrected 1003 and 1008 showing No Rent on rental property and correct HOA amount on REO xx. Please clear condition. - Seller-06/30/2025 <br> Open-Lease Agreements is Missing for REO Property. - Due Diligence Vendor-06/13/2025 | Ready for Review-Document Uploaded. Corrected 1003 and 1008 showing No Rent on rental property and correct HOA amount on REO xx. Please clear condition. - Seller-06/30/2025 | Resolved-Resolved-06/30/2025- The recently submitted 1003 form does not display the lease amount. - Due Diligence Vendor-07/01/2025<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>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 45.12 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 7.42% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xx - Corrected 1008 showing No Rent on rental property and correct HOA amount on REO xx.pdf<br> xx - Corrected 1003 showing No Rent on rental property and correct HOA amount on REO xx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | GA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A |
| xx | 48093383 |  | D A | Closed | FCRE7497 | 2025-06-13 13:08 | 2025-06-30 20:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Resolved-06/30/2025-Hoa document received for Reo Property #xx - Due Diligence Vendor-07/01/2025 <br> Ready for Review-Document Uploaded. Hoa Stmt attached and Corrected 1003 and 1008 showing No Rent on rental property and correct HOA amount on REO xx. Please clear condition. - Seller-06/30/2025 <br> Open-HOA Document is Missing for REO Property - Due Diligence Vendor-06/13/2025 | Ready for Review-Document Uploaded. Hoa Stmt attached and Corrected 1003 and 1008 showing No Rent on rental property and correct HOA amount on REO xx. Please clear condition. - Seller-06/30/2025 | Resolved-Resolved-06/30/2025-Hoa document received for Reo Property #xx - Due Diligence Vendor-07/01/2025 | Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 45.12 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 7.42% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xx - HOA stmt.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | GA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A |
| xx | 40483916 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other |  |  |
| xx | 47364565 |  | D A | Closed | FCRE1158 | 2025-06-16 18:02 | 2025-06-18 20:11 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Partial | Resolved-Resolved-06/18/2025 HOI document received. - Due Diligence Vendor-06/19/2025 <br> Ready for Review-Document Uploaded. EOI w/first included attached. Please clear condition - Seller-06/18/2025 <br> Open- Hazard Insurance Policy Partially Provided - Document is incomplete or missing required policy information. Missing required 1st lien mortgagee clause on Hazard Policy. File contains Hazard policy with xx as Mortgagee. 1st lien is currently with xx which is not reflected. Both mortgagee clause need to be evident on Second Mortgage loan.<br> - Due Diligence Vendor-06/16/2025 | Ready for Review-Document Uploaded. EOI w/first included attached. Please clear condition - Seller-06/18/2025<br>| Resolved-Resolved-06/18/2025 HOI document received. - Due Diligence Vendor-06/19/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.56 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 - 17.27 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.28 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 0.19<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 749 is Greater Than The Guideline Minimum Of 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 - 14 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of xx Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More |  | xx - EOI w.1st included.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A |
| xx | 41001545 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other |  |  |
| xx | 43394632 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other |  |  |
| xx | 47773724 |  | D A | Closed | FCRE1158 | 2025-06-18 13:07 | 2025-06-25 21:06 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Partial | Resolved-Resolved-06/25/2025 HOI document received. - Due Diligence Vendor-06/26/2025 <br> Ready for Review-Document Uploaded. Insurance w/1st included attached. Please clear condition. - Seller-06/25/2025 <br> Open- Hazard Insurance Policy Partially Provided - Document is incomplete or missing required policy information. Missing required 1st lien mortgagee clause on Hazard Policy. File contains Hazard policy with xx as Mortgagee. 1st lien is currently with Lender xx USA which is not reflected. Both mortgage clause need to be evident on Second Mortgage loan. - Due Diligence Vendor-06/18/2025 | Ready for Review-Document Uploaded. Insurance w/1st included attached. Please clear condition. - Seller-06/25/2025<br>| Resolved-Resolved-06/25/2025 HOI document received. - Due Diligence Vendor-06/26/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.91 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 - 10.08 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.2<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 793 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 13.78% 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> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of xx Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More |  | xx - Insurance w.1st included.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CT | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| xx | 45231216 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | WA | Primary Residence | Refinance | Cash Out - Other |  |  |
| xx | 40107837 |  | C A | Closed | finding-47 | 2025-06-19 01:45 | 2025-06-25 23:47 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Resolved 6/25/2025: Received PCCD and updated, condition is cleared. - Due Diligence Vendor-06/26/2025 <br>Resolved- - Due Diligence Vendor-06/26/2025 <br>Resolved- - Due Diligence Vendor-06/26/2025 <br>Ready for Review-Document Uploaded. - Seller-06/23/2025 <br>Open- - Due Diligence Vendor-06/23/2025 <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-06/19/2025 | Ready for Review-Document Uploaded. - Seller-06/23/2025<br>| Resolved-Resolved 6/25/2025: Received PCCD and updated, condition is cleared. - Due Diligence Vendor-06/26/2025 <br>Resolved- - Due Diligence Vendor-06/26/2025<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 - 7.44 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of xx 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 18.57 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 - 22 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.67% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | PCCD.pdf<br>FSS.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| xx | 49971596 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CO | Primary Residence | Refinance | Cash Out - Home Improvement/Reno |  |  |
| xx | 47040639 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other |  |  |
| xx | 44424853 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other |  |  |
| xx | 43871094 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | AZ | Primary Residence | Refinance | Cash Out - Other |  |  |
| xx | 45019264 |  | D A | Closed | FCRE1158 | 2025-06-26 09:54 | 2025-06-27 19:33 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Partial | Resolved-Resolved-06/27/2025 HOI document received. - Due Diligence Vendor-06/27/2025 <br> Ready for Review-Document Uploaded. Insurance with 1st Mtg clause included attached. Please clear condition. - Seller-06/27/2025 <br> Open- Hazard Insurance Policy Partially Provided - Document is incomplete or missing required policy information. Received Hazard Insurance Policy 1st lien Mortgage clause details are missing . First Lien is with xx Lender and clause is missing on Hazard Insurance . Need updated Hazard Insurance Policy reflecting both 1st & 2nd lien Mortgage clause information - Due Diligence Vendor-06/26/2025 | Ready for Review-Document Uploaded. Insurance with 1st Mtg clause included attached. Please clear condition. - Seller-06/27/2025<br>| Resolved-Resolved-06/27/2025 HOI document received. - Due Diligence Vendor-06/27/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.98% 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 776 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 0.08<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 - 6.89 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of xx Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.47 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20 Years |  | xx - Insurance with 1st included.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| xx | 42677099 |  | C A | Closed | FCOM4227 | 2025-06-26 17:15 | 2025-06-27 09:18 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-xx - Due Diligence Vendor-06/27/2025 <br> Ready for Review-Document Uploaded. COMMENT FROM xx TITLE: xx does not issue ALTA SS on Refinances. The CD is used and 100% balanced prior to closing. - Seller-06/26/2025 <br> Open-Missing Final Closing Disclosure - Due Diligence Vendor-06/26/2025 | Ready for Review-Document Uploaded. COMMENT FROM xx TITLE: xx does not issue ALTA SS on Refinances. The CD is used and 100% balanced prior to closing. - Seller-06/26/2025 | Resolved-NJ BPL - Due Diligence Vendor-06/27/2025<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 - 10.48 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.17 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.72% 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 - 20.08 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of xx Is Below the Guideline Maximum Of 70% By Ten Percent (10%) or More |  | Escrow - Settlement Statement.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xx | NJ | Investment | Refinance | Cash Out - Other | N/A | N/A |
| xx | 40771101 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |
| xx | 40061219 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other |  |  |
| xx | 43001367 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xx | UT | Investment | Refinance | Cash Out - Other |  |  |
| xx | 40002712 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xx | CA | Investment | Refinance | Cash Out - Other |  |  |
| xx | 46399367 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other |  |  |
| xx | 41267930 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other |  |  |
| xx | 48268012 |  | D A | Closed | FCRE1503 | 2025-06-27 08:01 | 2025-06-30 19:50 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Resolved-06/30/2025-Mortgage Statement received for property "#xx". - Due Diligence Vendor-06/30/2025 <br> Ready for Review-Document Uploaded. - Seller-06/30/2025 <br> Open-#xx mortgage statement is missing for Rental Income Calculation - Due Diligence Vendor-06/27/2025 | Ready for Review-Document Uploaded. - Seller-06/30/2025<br>| Resolved-Resolved-06/30/2025-Mortgage Statement received for property "#xx". - Due Diligence Vendor-06/30/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.64% 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 18.51 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 723 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 - 10 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.43 Years |  | REO Mtg STmt.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | ID | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| xx | 44999405 |  | C A | Closed | finding-47 | 2025-07-02 10:27 | 2025-07-02 18:51 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Resolved 07/02/2025: Received PCCD with funding date xx and exception was cleared.<br> - Due Diligence Vendor-07/02/2025 <br> Resolved- - Due Diligence Vendor-07/02/2025 <br> Ready for Review-Document Uploaded. - Seller-07/02/2025 <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. \*\*\*\*The Final CD shows a funding date of xx - which is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date.<br> - Due Diligence Vendor-07/02/2025 <br> Open- - Due Diligence Vendor-07/02/2025 <br> Open- - Due Diligence Vendor-07/02/2025 <br> Open- - Due Diligence Vendor-07/02/2025 | Ready for Review-Document Uploaded. - Seller-07/02/2025<br>| Resolved-Resolved 07/02/2025: Received PCCD with funding date xx and exception was cleared.<br> - Due Diligence Vendor-07/02/2025 <br> Resolved- - Due Diligence Vendor-07/02/2025 | 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 720 By Twenty (20) or More Points<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.40 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 0.2<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 37.34 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 - 15.16 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.26% 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 |  | PCCD.pdf<br>fss.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| xx | 42671166 |  | D B C A | Closed | FCRE1158 | 2025-07-01 14:14 | 2025-07-03 14:11 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-07/03/2025 <br> Ready for Review-Document Uploaded. Insurance w/1st mtg clause included attached. Please clear condition. - Seller-07/02/2025 <br> Open- Hazard Insurance Policy Partially Provided - Document is incomplete or missing required policy information. Missing required 1st lien mortgagee clause on Hazard Policy. File contains Hazard policy with xx as Mortgagee. 1st lien is currently with Lender xx which is not reflected. Both mortgagee clause need to be evident on Second Mortgage loan.<br> - Due Diligence Vendor-07/01/2025 | Ready for Review-Document Uploaded. Insurance w/1st mtg clause included attached. Please clear condition. - Seller-07/02/2025<br>| Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-07/03/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.49 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 - 20.50 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of xx 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 9.67 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 43.29% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xx - Insurance w.1st mtg clause included.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| xx | 42671166 |  | D B C A | Closed | finding-47 | 2025-07-02 03:21 | 2025-07-02 18:32 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Resolved 07/02/2025: Received PCCD with funding date xx and exception was cleared. - Due Diligence Vendor-07/02/2025 <br> Resolved- - Due Diligence Vendor-07/02/2025 <br> Ready for Review-Document Uploaded. - Seller-07/02/2025 <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. \*\*\*\*The Final CD shows a funding date of xx - which is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date.<br> - Due Diligence Vendor-07/02/2025 <br> Open- - Due Diligence Vendor-07/02/2025 <br> Open- - Due Diligence Vendor-07/02/2025 | Ready for Review-Document Uploaded. - Seller-07/02/2025<br>| Resolved-Resolved 07/02/2025: Received PCCD with funding date xx and exception was cleared. - Due Diligence Vendor-07/02/2025 <br> Resolved- - Due Diligence Vendor-07/02/2025 | Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.49 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 - 20.50 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of xx 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 9.67 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 43.29% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | PCCD.pdf<br>FSS.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| xx | 42671166 |  | D B C A | Closed | FCRE1200 | 2025-07-01 15:15 | 2025-07-01 15:15 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Loan amount < $200,000 - Due Diligence Vendor-07/01/2025 |  | Waived-Loan amount < $200,000 - Due Diligence Vendor-07/01/2025<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 - 20.49 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 - 20.50 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of xx 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 9.67 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 43.29% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes |
| xx | 44976449 |  | C A | Closed | finding-47 | 2025-07-02 01:43 | 2025-07-03 16:12 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Resolved 07/03/2025: Received Disbursement Ledger with funding date xx and exception was cleared.<br> - Due Diligence Vendor-07/03/2025 <br> Resolved- - Due Diligence Vendor-07/03/2025 <br> Ready for Review-Document Uploaded. Borrower hand corrected the RTC (see attached) Borrower signed 6/24, rescission was up at midnight of 6/27 and we funded 6/30. Florida does not issue a Final ALTA SS on refinances but I also attached a disbursement Ledger. We also did not send our wire to the attorney for funding until 6/30. Please clear condition. - Seller-07/03/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. \*\*\*\*The Final CD shows a funding date of xx - which is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date.<br> - Due Diligence Vendor-07/02/2025 <br> Open- - Due Diligence Vendor-07/02/2025 <br> Open- - Due Diligence Vendor-07/02/2025 | Ready for Review-Document Uploaded. Borrower hand corrected the RTC (see attached) Borrower signed 6/24, rescission was up at midnight of 6/27 and we funded 6/30. Florida does not issue a Final ALTA SS on refinances but I also attached a disbursement Ledger. We also did not send our wire to the attorney for funding until 6/30. Please clear condition. - Seller-07/03/2025<br>| Resolved-Resolved 07/03/2025: Received Disbursement Ledger with funding date xx and exception was cleared.<br> - Due Diligence Vendor-07/03/2025 <br> Resolved- - Due Diligence Vendor-07/03/2025 | Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.28 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.29 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.98 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 13.83% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xx - RTC.pdf<br> xx - Disbursement Ledger.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| xx | 49867558 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Purchase | NA |  |  |
| xx | 46423785 |  | D A | Closed | FCOM1233 | 2025-07-03 06:31 | 2025-07-17 08:24 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-07/17/2025 <br>Ready for Review-Document Uploaded. - Seller-07/16/2025 <br>Open-The Final 1003 is Incomplete Borrower 2 Final 1003 is missing - Due Diligence Vendor-07/03/2025 | Ready for Review-Document Uploaded. - Seller-07/16/2025<br>| Resolved-The Final 1003 is Present - Due Diligence Vendor-07/17/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 726 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | Fund app signed.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xx | CA | Investment | Refinance | Cash Out - Other | N/A | N/A |

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## Exhibit 99.4

[VISTA POINT ASSETS LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.4 - Schedule 3**

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| **Loan ID** | **Dummy ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| xx | 45284977 |  |  | xx | xx |  | 0 | xx | xx | AVM |  |  | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  | xx |  |  | 95 | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 45878271 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx | xx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  | xx- 1st Payment Letter showing interim servicer info noted on 1003 but xx is 1st mtg lender.pdf |  |  |  |  |  |  |  |  | xx | 0 | .0000 | xx | Moderate Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 49164141 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx | xx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0 | .0000 | xx | Moderate Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 48371548 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx | xx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0 | .0000 | xx | Low Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 48261162 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 43470572 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 49205138 |  |  | xx | xx |  | xx | xx | xx | 1004 URAR | xx | xx | xx | xx | xx | xx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0 | .0000 | xx | Moderate Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 42673575 |  |  | xx | xx |  | 0 | xx | xx | 1025 Small Residential Income Report | xx | xx | xx | xx | xx | xx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0 | .0000 | xx | Moderate Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 44182079 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 41292558 |  |  | xx | xx |  | xx | xx | xx | 1004 URAR | xx | xx | xx | xx | xx | xx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0 | .0000 | xx | Low Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 45511957 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 42632478 |  |  | xx | xx |  | 0 | xx | xx | AVM |  |  | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  | xx |  |  | 92 | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 43455023 |  |  | xx | xx |  | 0 | xx | xx | 1025 Small Residential Income Report | xx | xx | xx | xx | xx | xx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0 | .0000 | xx | Low Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 40202427 |  |  | xx | xx |  | 0 | xx | xx | AVM |  |  | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  | xx |  |  | 94 | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 41104227 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 48399455 |  |  | xx | xx |  | xx | xx | xx | 1004 URAR | xx | xx | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 40773582 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx | xx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0 | .0000 | xx | Low Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 45455430 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx | xx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0 | .0000 | xx | Moderate Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 42107757 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 43163943 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 47862014 |  |  | xx | xx |  | xx | xx | xx | 1073 Individual Condo Report | xx | xx | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 47780691 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 45747083 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx |  |  |  |  |  |  |  | Waived-Exception required under xx for a non-warrantable condo due to mortgagee responsible for 7-12<br> months of assessments - Due Diligence Vendor-08/01/2025 |  | Waived-Exception required under xx for a non-warrantable condo due to mortgagee responsible for 7-12<br> months of assessments - Due Diligence Vendor-08/01/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 47643678 |  |  | xx | xx |  | xx | xx | xx | 1004 URAR | xx | xx | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 41784332 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 41053216 |  |  | xx | xx |  | xx | xx | xx | 1004 URAR | xx | xx | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 44593773 |  |  | xx | xx |  | 0 | xx | xx | 1025 Small Residential Income Report | xx | xx | xx | xx | xx |  |  |  |  |  |  |  |  | xx | xx | -.0645 | xx | 1025 Small Residential Income Report |  |  |  |  |  |  |  |  | xx | 0 | .0000 | xx | Moderate Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 46993385 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 41017805 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx | xx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0 | .0000 | xx | Low Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 41357367 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx | xx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0 | .0000 | xx | Low Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 45471322 |  |  | xx | xx |  | xx | xx | xx | 1004 URAR | xx | xx | xx | xx | xx | xx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0 | .0000 | xx | Moderate Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 49878824 |  |  | xx | xx |  | 0 | xx | xx | AVM |  |  | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  | xx |  |  | 91 | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 43657972 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx | xx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0 | .0000 | xx | Low Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 40094475 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 48485962 |  |  | xx | xx |  | xx | xx | xx | 1004 URAR | xx | xx | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 48539043 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx | xx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0 | .0000 | xx | Low Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 46638807 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 42879019 |  |  | xx | xx |  | 0 | xx | xx | AVM |  |  | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  | xx |  |  | 93 | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 41299248 |  |  | xx | xx |  | 0 | xx | xx | 1025 Small Residential Income Report | xx | xx | xx | xx | xx | xx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0 | .0000 | xx | Moderate Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 47316427 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  | • xx DSCR <br> • LTV xx <br> • DSCR 1.038 (using market rents $12,300) <br> • Cashout <br> • Rate 9.375% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 41106094 |  |  | xx | xx |  | 0 | xx | xx | AVM |  |  | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  | xx |  |  | 92 | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 43780739 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx | xx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0 | .0000 | xx | Low Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 42735976 |  |  | xx | xx |  | xx | xx | xx | 1004 URAR | xx | xx | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 42618122 |  |  | xx | xx |  | 0 | xx | xx | 1025 Small Residential Income Report | xx | xx | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 45583958 |  |  | xx | xx |  | 0 | xx | xx | 1073 Individual Condo Report | xx | xx | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 49309965 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx | xx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0 | .0000 | xx | Low Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 40395026 |  |  | xx | xx |  | xx | xx | xx | 1004 URAR | xx | xx | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 46241788 |  |  | xx | xx |  | xx | xx | xx | 1004 URAR | xx | xx | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 40673688 |  |  | xx | xx |  | xx | xx | xx | 1004 URAR | xx | xx | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 48343490 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 42799685 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx | xx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0 | .0000 | xx | Low Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 46205559 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 40264072 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx | xx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0 | .0000 | xx | Moderate Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 47867235 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx | xx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0 | .0000 | xx | Low Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 42902658 |  |  | xx | xx |  | xx | xx | xx | 1004 URAR | xx | xx | xx | xx | xx | xx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0 | .0000 | xx | Reasonable | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 43007808 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 43824391 |  |  | xx | xx |  | 0 | xx | xx | 1025 Small Residential Income Report | xx | xx | xx | xx | xx | xx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0 | .0000 | xx | Low Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 40430029 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx | xx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0 | .0000 | xx | Low Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 42593388 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 48093383 |  |  | xx | xx |  | xx | xx | xx | 1004 URAR | xx | xx | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 40483916 |  |  | xx | xx |  | xx | xx | xx | 1004 URAR | xx | xx | xx | xx | xx | xx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0 | .0000 | xx | Low Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 47364565 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx | xx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0 | .0000 | xx | Low Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 41001545 |  |  | xx | xx |  | xx | xx | xx | 1004 URAR | xx | xx | xx | xx | xx | xx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0 | .0000 | xx | Moderate Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 43394632 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx | xx | 0 | .0000 | Desk Review |  |  |  | Resolved-Resolved-06/12/2025 HOI document received. - Due Diligence Vendor-06/13/2025 <br> Ready for Review-Document Uploaded. EOI w/1st mortgagee clause and borrower name. Please clear conditions. - Seller-06/11/2025 <br> Open- Hazard Insurance Policy Partially Provided - Document is incomplete or missing required policy information. Missing required 1st lien mortgagee clause on Hazard Policy. File contains Hazard policy with xx as Mortgagee. 1st lien is currently with Lender xx which is not reflected. Both mortgagee clause need to be evident on Second Mortgage loan. - Due Diligence Vendor-06/05/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0 | .0000 | xx | Low Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 47773724 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 45231216 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 40107837 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx | xx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0 | .0000 | xx | Excellent | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 49971596 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx | xx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0 | .0000 | xx | Moderate Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 47040639 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx | xx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0 | .0000 | xx | Low Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 44424853 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 43871094 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx | xx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0 | .0000 | xx | Low Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 45019264 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx | xx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0 | .0000 | xx | Low Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 42677099 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx | xx | xx | -.0981 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | xx | -.0981 | xx | Moderate Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 40771101 |  |  | xx | xx |  | 0 | xx | xx | AVM |  |  | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  | xx |  |  | 91 | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 40061219 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 43001367 |  |  | xx | xx |  | 0 | xx | xx | 1025 Small Residential Income Report | xx | xx | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 40002712 |  |  | xx | xx |  | 0 | xx | xx | 1025 Small Residential Income Report | xx | xx | xx | xx | xx | xx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0 | .0000 | xx | Moderate Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 46399367 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx | xx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0 | .0000 | xx | Low Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 41267930 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx | xx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0 | .0000 | xx | Low Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 48268012 |  |  | xx | xx |  | xx | xx | xx | 1004 URAR | xx | xx | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 44999405 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx | xx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0 | .0000 | xx | Low Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 42671166 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx | xx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0 | .0000 | xx | Low Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 44976449 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 49867558 |  |  | xx | xx | xx | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx | xx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0 | .0000 | xx | Low Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 46423785 |  |  | xx | xx |  | 0 | xx | xx | 1025 Small Residential Income Report | xx | xx | xx | xx | xx | xx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0 | .0000 | xx | Moderate Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.4

[VISTA POINT ASSETS LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.4 - Schedule 4**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Dummy ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |

---

## Exhibit 99.4

[VISTA POINT ASSETS LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.4 - Schedule 5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 78 | 79 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 110 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 159 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 | 214 | 215 | 216 | 217 | 218 | 219 | 220 | 221 | 222 | 223 | 224 | 225 | 226 | 227 | 228 | 229 | 230 | 231 | 232 | 233 | 234 | 235 | 236 | 237 | 238 | 239 | 240 | 241 | 242 | 243 | 244 | 245 | 246 | 247 | 248 | 249 | 250 | 251 | 252 | 253 | 254 | 255 | 256 | 257 | 258 | 259 | 260 | 261 | 262 | 263 | 264 | 265 | 266 | 267 | 268 | 269 |
| **Loan ID** | **Dummy ID** | **Seller Loan ID** | **Investor Loan ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Questionnaire Flag** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Borrower Months of Paystubs Verified** | **Co Borrower Months of Paystubs Verified** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Borrower Award/Offer Letter** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **Borrower CPA Letter Flag** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower WVOE Flag** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower WVOE Flag** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Co Borrower 2 FICO** | **Most Recent Co Borrower 3 FICO** | **Updated Credit Report Flag** | **Updated Credit Report Date** | **Updated FICO Method** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Updated Primary Borrower FICO** | **Updated Co Borrower FICO** | **Updated Co Borrower 2 FICO** | **Updated Co Borrower 3 FICO** | **Updated Qualifying FICO** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Lates 30d in 0-12m** | **Prior Mortgage/Rent Lates 60d in 0-12m** | **Prior Mortgage/Rent Lates 90d in 0-12m** | **Prior Mortgage/Rent Lates 120d+ in 0-12m** | **Prior Mortgage/Rent Lates 30d in 13-24m** | **Prior Mortgage/Rent Lates 60d in 13-24m** | **Prior Mortgage/Rent Lates 90d in 13-24m** | **Prior Mortgage/Rent Lates 120d+ in 13-24m** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Subordinate Lien Max Draw Amount (HELOC)** | **Subordinate Lien 2 Type** | **Subordinate Lien 2 Max Draw Amount (HELOC)** | **Subordinate Lien 3 Type** | **Subordinate Lien 3 Max Draw Amount (HELOC)** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Leasehold Lease Expiration Date** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves (ASF)** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **E-Note Flag** | **O&E in lieu of Title Insurance** | **Business Purpose Flag** | **Borrower Note Executed As** | **Co Borrower Note Executed As** | **Co Borrower 2 Note Executed As** | **Co Borrower 3 Note Executed As** | **Borrower 1 Trust Name** | **Borrower 2 Trust Name** | **Borrower 3 Trust Name** | **Borrower 4 Trust Name** |
| xx | 45284977 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 7454.23 | 06/09/2025 | 6.880% |  |  | No | 8.967% |  | 8.625% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 28.32% | 28.32% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | xx | xx | UT | xx | xx | 05/05/2025 | 05/05/2025 |  |  |  | 786 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xx | 13.2 | No | xx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xx | 45878271 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 6790 | 06/09/2025 | 6.880% |  |  | No | 10.719% |  | 10.375% | xx- 1st Payment Letter showing interim servicer info noted on 1003 but xx is 1st mtg lender.pdf | xx | No | xx | xx | xx | xx | xx | xx | xx | xx | $0.00 | N/A | xx | MT | xx | xx | Annually | 0.00% | 44.91% | 44.91% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 65.00% |  |  | Third-Party Prepared (Unaudited) | 16 | Tax Preparer |  |  |  | Yes | 74 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership - CPA Letter Verified, YTD Profit And Loss Verified - 2025, 2024 | Borrower - 2025, 2024 | xx | xx | MT | xx | xx | 06/11/2025 | 06/11/2025 |  |  |  | 713 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xx | 11.4 | No | xx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xx | 49164141 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 8040 | 06/16/2025 | 6.890% |  |  | No | 8.311% |  | 8.125% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 45.80% | 45.80% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Executed 4506T Verified, Business Bank Statements Verified, Lease Agreements Verified - 2025, 2024 | Borrower - Executed 4506T Verified - 2025, 2024 | xx | xx | CA | xx | xx | 06/02/2025 | 06/02/2025 |  |  |  | 803 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | xx | 50.9 | xx | 110.7 | No | xx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xx | 48371548 |  |  | xx | xx | xx | No | xx | xx | xx | v2025_03_2nd | xx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 9.625% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 10.25% | 10.25% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, Executed 4506T Verified, Business Bank Statements Verified - 2025, 2024, 2023 | Borrower - Executed 4506T Verified - 2025, 2024, 2023 | xx | xx | CA | xx | xx | 06/01/2025 | 06/01/2025 |  |  |  | 760 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | .00 | 0 | xx | 62.1 | No | xx | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xx | 48261162 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 5660 | 06/16/2025 | 6.890% |  |  | No | 10.833% |  | 10.500% |  | xx | No | xx | xx | xx | xx | xx | xx | xx | xx | $0.00 | N/A | xx | GA | xx | xx | Annually | 0.00% | 36.82% | 36.82% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 40 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | xx | xx | GA | xx | xx | 06/24/2025 | 06/24/2025 |  |  |  | 682 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xx | 39.7 | No | xx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xx | 43470572 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 7922.75 | 06/16/2025 | 6.890% |  |  | No | 10.792% |  | 10.250% |  | xx | No | xx | xx | xx | xx | xx | xx | xx | xx | $0.00 | N/A | xx | CA | xx | xx | Monthly | 0.00% | 38.89% | 38.89% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 192 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - 2025, 2024 | xx | xx | CA | xx | xx | 05/01/2025 | 05/01/2025 |  |  |  | 713 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xx | 35.6 | No | xx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | xx |  |  |  |
| xx | 49205138 |  |  | xx | xx | xx | No | xx | xx | xx | v2025_05_2nd v2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 6815 | 06/23/2025 | 6.830% |  |  | No | 12.551% |  | 12.125% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 43.26% | 43.26% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 1 YR Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025, 2024, 2023 | Borrower - 1 YR Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025, 2024, 2023 | xx | xx | CA | xx | xx | 05/19/2025 | 05/19/2025 |  |  |  | 696 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xx | 13.2 | No | xx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | xx |  |  |  |
| xx | 42673575 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 9.000% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 45.61% | 45.61% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 109 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified, Lease Agreements Verified - 2024, 2025 | Borrower - 2024, 2025 | xx | xx | HI | xx | xx | 06/24/2025 | 06/24/2025 |  |  |  | 756 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | .00 | 0 | xx | 21.5 | No | xx | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xx | 44182079 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 14190 | 06/23/2025 | 6.830% |  |  | No | 9.042% |  | 8.750% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 5.63% | 5.63% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - 2025, 2024 | xx | xx | GA | xx | xx | 06/30/2025 | 06/30/2025 |  |  |  | 704 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xx | 15.2 | No | xx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xx | 41292558 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 19602.5 | 06/16/2025 | 6.890% |  |  | No | 10.100% |  | 9.750% |  | xx | No | xx | xx | xx | xx | xx | xx | xx | xx | $0.00 | N/A | xx | CA | xx | xx | Monthly | 0.00% | 46.94% | 46.94% | No | No |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 1 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 1 | NA | No | No | 0 | No | No | Yes | 0 | 0 | Yes | Yes | 0 | 12 | 48.65% | 0.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | Yes | 118 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Commission, Other, Other REO Net Rental Income(Loss) - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, 1 YR IRS Transcripts Verified - 2025, 2024, 2023 \|\| Co Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - 1 YR IRS Transcripts Verified - 2025, 2024, 2023 \|\| Co Borrower - 2025, 2024 | xx | xx | CA | xx | xx | 04/15/2025 | 04/15/2025 | 04/15/2025 |  |  | 684 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xx | xx | xx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xx | 12.7 | No | xx | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | xx | xx |  |  |
| xx | 45511957 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 6235 | 07/07/2025 | 6.670% |  |  | No | 9.306% |  | 9.000% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 38.30% | 38.30% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | W2/1099 Verified | 1 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 1 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 15 | 15 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 1 YR W2 1099 Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024, 2025 | xx | xx | NM | xx | xx | 05/13/2025 | 05/13/2025 |  |  |  | 767 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xx | 39.3 | No | xx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xx | 42632478 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 9.500% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 43.81% | 43.81% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - Business Bank Statements Verified, Lease Agreements Verified - 2024, 2025 | Borrower - 2024, 2025 | xx | xx | FL | xx | xx | 06/16/2025 | 06/16/2025 |  |  |  | 765 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | .00 | 0 | xx | 30.7 | No | xx | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xx | 43455023 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.750% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 32.25% | 32.25% | Yes | Yes |  |  |  |  |  |  | Not Employed | Not Employed |  |  |  |  | 2YR Full Doc | 0 | 1 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | Yes NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SSI and Disability, Retirement, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified, Lease Agreements Verified - 2023, 2024, 2025 \|\| Co Borrower - SSI and Disability, Retirement - 1 YR W2 1099 Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Lease Agreements Verified - 2023, 2024 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024 | xx | xx | NJ | xx | xx | 06/09/2025 | 06/09/2025 | 06/09/2025 |  |  | 798 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xx | xx | xx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | .00 | 0 | xx | 64.7 | No | xx | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| xx | 40202427 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 8340 | 06/30/2025 | 6.770% |  |  | No | 9.016% |  | 8.500% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 24.01% | 24.01% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 268 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - 2025, 2024 | xx | xx | CA | xx | xx | 06/21/2025 | 06/21/2025 |  |  |  | 734 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xx | 46.3 | No | xx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | xx |  |  |  |
| xx | 41104227 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 1790 | 06/09/2025 | 6.880% |  |  | No | 9.668% |  | 9.625% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 42.22% | 42.22% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 480 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | xx | xx | CA | xx | xx | 04/22/2025 | 04/22/2025 |  |  |  | 700 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xx | 5.1 | No | xx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | xx |  |  |  |
| xx | 48399455 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 9485 | 07/07/2025 | 6.670% |  |  | No | 8.991% |  | 8.625% |  | xx | No | xx | xx | xx | xx | xx | xx | xx | xx | $0.00 | N/A | xx | CA | xx | xx | Monthly | 0.00% | 17.21% | 17.21% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 41.75% |  |  | N/A | 0 | N/A |  |  |  | Yes | 240 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership - CPA Letter Verified, Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - Executed 4506T Verified - 2024, 2025 | xx | xx | CA | xx | xx | 03/27/2025 | 03/27/2025 |  |  |  | 752 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | xx | 8.4 | xx | 39.9 | No | xx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xx | 40773582 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 13215 | 06/30/2025 | 6.770% |  |  | No | 10.287% |  | 9.875% |  | xx | No | xx | xx | xx | xx | xx | xx | xx | xx | $0.00 | N/A | xx | CA | xx | xx | Monthly | 0.00% | 43.51% | 43.51% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 26.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 19 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | xx | xx | CA | xx | xx | 05/19/2025 | 05/19/2025 |  |  |  | 691 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xx | 6.9 | No | xx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | xx |  |  |  |
| xx | 45455430 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 8211 | 07/07/2025 | 6.670% |  |  | No | 11.052% |  | 10.625% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 42.28% | 42.28% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 113 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | xx | xx | CA | xx | xx | 05/07/2025 | 05/07/2025 |  |  |  | 685 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xx | 14.5 | No | xx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xx | 42107757 |  |  | xx | xx | xx | No | xx | xx | xx | v2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 5790 | 07/14/2025 | 6.750% |  |  | No | 8.421% |  | 8.000% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 41.48% | 41.48% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | xx | xx | CA | xx | xx | 06/05/2025 | 06/05/2025 |  |  |  | 801 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xx | 37.8 | No | xx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xx | 43163943 |  |  | xx | xx | xx | No | xx | xx | xx | v2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 14290 | 07/14/2025 | 6.750% |  |  | No | 8.866% |  | 8.500% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 6.04% | 6.04% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 273 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2025, 2024 \|\| Co Borrower - Other REO Net Rental Income(Loss) | Borrower - 2025, 2024 \|\| Co Borrower | xx | xx | CA | xx | xx | 06/12/2025 | 06/12/2025 | 06/12/2025 |  |  | 763 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xx | 73.5 | No | xx | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| xx | 47862014 |  |  | xx | xx | xx | No | xx | xx | xx | 1 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 16835 | 07/21/2025 | 6.790% |  |  | No | 8.501% |  | 8.125% |  | xx | No | xx | xx | xx | xx | xx | xx | xx | xx | $0.00 | Yes | xx | NV | xx | xx | Monthly | 0.00% | 32.36% | 32.36% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 252 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | xx | xx | NV | xx | xx | 07/17/2025 | 07/17/2025 |  |  |  | 779 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xx | 50.7 | No | xx | No | No | No | No | Borrower As Individual | N/A | N/A | N/A | xx |  |  |  |
| xx | 47780691 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 13085 | 06/30/2025 | 6.770% |  |  | No | 9.643% |  | 9.375% |  | xx | No | xx | xx | xx | xx | xx | xx | xx | xx | $0.00 | N/A | xx | CA | xx | xx | Annually | 0.00% | 7.27% | 7.27% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 94 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - 2025, 2024 | xx | xx | CA | xx | xx | 06/03/2025 | 06/03/2025 |  |  |  | 720 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xx | 53.3 | No | xx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xx | 45747083 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 9165 | 07/21/2025 | 6.790% |  | Waived-Exception required under xx for a non-warrantable condo due to mortgagee responsible for 7-12<br> months of assessments - Due Diligence Vendor-08/01/2025 | No | Waived-Exception required under xx for a non-warrantable condo due to mortgagee responsible for 7-12<br> months of assessments - Due Diligence Vendor-08/01/2025 |  | 10.500% |  | xx | No | xx | xx | xx | xx | xx | xx | xx | xx | $0.00 | N/A | xx | CA | xx | xx | Monthly | 0.00% | 36.96% | 36.96% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | xx | xx | CA | xx | xx | 05/22/2025 | 05/22/2025 |  |  |  | 792 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xx | 29 | No | xx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xx | 47643678 |  |  | xx | xx | xx | No | xx | xx | xx | v2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 8785 | 07/07/2025 | 6.670% |  |  | No | 8.862% |  | 8.500% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 28.51% | 28.51% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 222 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp - CPA Letter Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - 2025, 2024 | xx | xx | CA | xx | xx | 06/23/2025 | 06/23/2025 |  |  |  | 735 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xx | 41 | No | xx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | xx |  |  |  |
| xx | 41784332 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 14577.5 | 07/14/2025 | 6.750% |  |  | No | 9.126% |  | 8.750% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 49.35% | 49.35% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 32 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | xx | xx | FL | xx | xx | 07/07/2025 | 07/07/2025 |  |  |  | 706 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xx | 55 | No | xx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xx | 41053216 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 14385 | 06/23/2025 | 6.830% |  |  | No | 8.923% |  | 8.625% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx |  | N/A |  |  | $0.00 |  |  | 0.00% | 31.22% | 31.22% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | xx | xx | CA | xx | xx | 05/27/2025 | 05/27/2025 |  |  |  | 714 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xx | 31.9 | No | xx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | xx |  |  |  |
| xx | 44593773 |  |  | xx | xx | xx | No | xx | xx | xx | v2 | xx | ATR/QM: Not Applicable | Yes | No | No | N/A | N/A | 19602.5 | 07/21/2025 | 6.790% |  |  | No | 0.000% |  | 10.125% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 46.30% | 46.30% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 2 | 0 |  |  | 2 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Lease Agreements Verified, 1040 Schedule E Verified - 2023, 2024, 2025 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - 2023, 2024, 2025 | xx | xx | CA | xx | xx | 05/30/2025 | 05/30/2025 |  |  |  | 687 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xx | 3.4 | No | xx | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | xx |  |  |  |
| xx | 46993385 |  |  | xx | xx | xx | No | xx | xx | xx | v2025_05_2nd v2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 10915 | 07/07/2025 | 6.670% |  |  | No | 8.565% |  | 8.125% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 19.99% | 19.99% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 99.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - 2025, 2024 | xx | xx | FL | xx | xx | 06/13/2025 | 06/13/2025 |  |  |  | 746 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xx | 77.7 | No | xx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xx | 41017805 |  |  | xx | xx | xx | No | xx | xx | xx | 1 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 5777.5 | 07/21/2025 | 6.790% |  |  | No | 12.174% |  | 11.750% |  | xx | No | xx | xx | xx | xx | xx | xx | xx | xx | $0.00 | N/A | xx | AZ | xx | xx | Monthly | 0.00% | 13.29% | 13.29% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | xx | xx | AZ | xx | xx | 04/22/2025 | 04/22/2025 |  |  |  | 742 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xx | 55.5 | No | xx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xx | 41357367 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 6012.75 | 07/21/2025 | 6.790% |  |  | No | 11.734% |  | 11.375% |  | xx | No | xx | xx | xx | xx | xx | xx | xx | xx | $0.00 | N/A | xx | CA | xx | xx | Monthly | 0.00% | 36.87% | 36.87% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 51.00% | 49.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership - Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower - SEPartnership - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 \|\| Co Borrower - 2024, 2025 | xx | xx | CA | xx | xx | 06/25/2025 | 06/25/2025 | 06/25/2025 |  |  | 685 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xx | xx | xx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xx | 18.9 | No | xx | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| xx | 45471322 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 9.125% |  | xx | No | xx | xx | xx | xx | xx | xx | xx | xx | $0.00 | N/A | xx | FL | xx | xx | Annually | 0.00% | 34.90% | 34.90% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 90.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 106 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - 2025, 2024 | xx | xx | FL | xx | xx | 07/14/2025 | 07/14/2025 |  |  |  | 723 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | .00 | 0 | xx | 14.2 | No | xx | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| xx | 49878824 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 10603 | 07/14/2025 | 6.750% |  |  | No | 9.146% |  | 8.750% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 43.72% | 43.72% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, Executed 4506T Verified - 2024, 2025 | Borrower - Executed 4506T Verified - 2024, 2025 | xx | xx | CA | xx | xx | 07/25/2025 | 07/25/2025 |  |  |  | 720 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xx | 59.7 | No | xx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xx | 43657972 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 4340 | 07/28/2025 | 6.750% |  |  | No | 9.531% |  | 9.250% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 33.54% | 33.54% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 33.33% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | xx | xx | CA | xx | xx | 05/14/2025 | 05/14/2025 |  |  |  | 693 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xx | 54.5 | No | xx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | xx |  |  |  |
| xx | 40094475 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | ATR/QM: Not Applicable | Yes | No | No | N/A | N/A | 6085 | 07/21/2025 | 6.790% |  |  | No | 0.000% |  | 8.750% |  | xx | No | xx | xx | xx | xx | xx | xx | xx | xx | $0.00 | N/A | xx | HI | xx | xx | Monthly | 0.00% | 44.17% | 44.17% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 50.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 66 | Yes | 66 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower - SEPartnership - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 \|\| Co Borrower - 2024, 2025 | xx | xx | HI | xx | xx | 06/10/2025 | 06/10/2025 | 06/10/2025 |  |  | 798 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xx | 52.2 | No | xx | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| xx | 48485962 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 20540 | 07/28/2025 | 6.750% |  |  | No | 9.196% |  | 8.875% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 41.12% | 41.12% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025, 2024, 2023 | Borrower - Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025, 2024, 2023 | xx | xx | CA | xx | xx | 07/14/2025 | 07/14/2025 |  |  |  | 699 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xx | 12 | No | xx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | xx |  |  |  |
| xx | 48539043 |  |  | xx | xx | xx | No | xx | xx | xx | 1 | xx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 9.375% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.038 | 1.038 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xx | xx | CA | xx | xx | 06/11/2025 | 06/11/2025 |  |  |  | 789 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xx | 16 | No | xx | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xx | 46638807 |  |  | xx | xx | xx | No | xx | xx | xx | 1 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 6645 | 07/28/2025 | 6.750% |  |  | No | 11.213% |  | 10.750% |  | xx | No | xx | xx | xx | xx | xx | xx | xx | xx | $0.00 | N/A | xx | NV | xx | xx | Monthly | 0.00% | 16.59% | 16.59% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 50.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 84 | Yes | 84 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership, SEPartnership - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 \|\| Co Borrower - 2024, 2025 | xx | xx | NV | xx | xx | 06/11/2025 | 06/11/2025 | 06/11/2025 |  |  | 746 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | xx | 30.1 | xx | 73.3 | No | xx | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| xx | 42879019 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 8540 | 07/28/2025 | 6.750% |  |  | No | 8.451% |  | 8.125% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 42.84% | 42.84% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - 2025, 2024 | xx | xx | CA | xx | xx | 07/21/2025 | 07/21/2025 |  |  |  | 742 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xx | 46.3 | No | xx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xx | 41299248 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 9.250% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.015 | 1.034 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xx | xx | FL | xx | xx | 06/11/2025 | 06/11/2025 |  |  |  | 803 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | .00 | 0 | xx | 54.8 | No | xx | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xx | 47316427 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 11595 | 07/28/2025 | 6.750% |  |  | No | 9.610% |  | • xx DSCR <br> • LTV xx <br> • DSCR 1.038 (using market rents $12,300) <br> • Cashout <br> • Rate 9.375% |  | xx | No | xx | xx | xx | xx | xx | xx | xx | xx | $0.00 | N/A | xx | CA | xx | xx | Monthly | 0.00% | 48.93% | 48.93% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 156 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2023, 2024, 2025 | Borrower - 2023, 2024, 2025 | xx | xx | CA | xx | xx | 06/16/2025 | 06/16/2025 |  |  |  | 702 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xx | 6.7 | No | xx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xx | 41106094 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 6916 | 07/21/2025 | 6.790% |  |  | No | 9.171% |  | 8.750% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 8.69% | 8.69% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 50.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 108 | Yes | 108 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower - SEPartnership - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 \|\| Co Borrower - 2024, 2025 | xx | xx | CA | xx | xx | 07/09/2025 | 07/09/2025 | 07/09/2025 |  |  | 739 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xx | 24.8 | No | xx | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| xx | 43780739 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 9.000% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 38.30% | 38.30% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | NA |  | N/A | 0 |  |  | 2 | 2 |  |  | 3 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 19 | CPA |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp, SEPartnership, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(K1), YTD Profit And Loss Verified, 2 YRS W2 1099 Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2022, 2023 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(K1), 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2022, 2023 | xx | xx | NC | xx | xx | 07/31/2025 | 07/31/2025 |  |  |  | 766 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | I-551 Permanent Resident Card |  | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | .00 | 0 | xx | 57.4 | No | xx | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xx | 42735976 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 12160 | 08/11/2025 | 6.630% |  |  | No | 8.192% |  | 8.000% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 27.63% | 27.63% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 583 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | xx | xx | CA | xx | xx | 07/28/2025 | 07/28/2025 |  |  |  | 801 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xx | 14.2 | No | xx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xx | 42618122 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 9.375% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.413 | 1.41 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xx | xx | CA | xx | xx | 07/30/2025 | 07/30/2025 |  |  |  | 809 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | .00 | 0 | xx | 50.1 | No | xx | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xx | 45583958 |  |  | xx | xx | xx | No | xx | xx | xx | 1 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 14390 | 08/18/2025 | 6.610% |  |  | No | 8.436% |  | 8.125% |  | xx | No | xx | xx | xx | xx | xx | xx | xx | xx | $0.00 | Yes | xx | CA | xx | xx | Monthly | 0.00% | 31.76% | 31.76% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 244 | 31 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Commission, Overtime and Bonus, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | xx | xx | CA | xx | xx | 07/21/2025 | 07/21/2025 |  |  |  | 797 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xx | 41.2 | No | xx | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xx | 49309965 |  |  | xx | xx | xx | No | xx | xx | xx | 1 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 11371.25 | 08/04/2025 | 6.750% |  |  | No | 9.165% |  | 8.750% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 44.28% | 44.28% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - Executed 4506T Verified - 2024, 2025 | xx | xx | CA | xx | xx | 07/25/2025 | 07/25/2025 |  |  |  | 738 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xx | 23.9 | No | xx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xx | 40395026 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 4290 | 08/18/2025 | 6.610% |  |  | No | 10.027% |  | 9.750% |  | xx | No | xx | xx | xx | xx | xx | xx | xx | xx | $0.00 | N/A | xx | NV | xx | xx | Monthly | 0.00% | 41.63% | 41.63% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 2 | 0 | 2 | 0 | 1 | 3 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 237 | 29 | Work Number | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified, 3 YRS IRS Transcripts Verified, 1040 Schedule E Verified - 2025, 2024, 2023 \|\| Co Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Executed 4506T Verified, 3 YRS IRS Transcripts Verified, 1040 Schedule E Verified - 2025, 2024, 2023 | Borrower - 2 YRS Personal Tax Returns Verified, Executed 4506T Verified, 3 YRS IRS Transcripts Verified, 1040 Schedule E Verified - 2025, 2024, 2023 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, Executed 4506T Verified, 3 YRS IRS Transcripts Verified, 1040 Schedule E Verified - 2025, 2024, 2023 | xx | xx | NV | xx | xx | 08/20/2025 | 08/20/2025 | 08/20/2025 |  |  | 771 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xx | 6.5 | No | xx | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | xx | xx |  |  |
| xx | 46241788 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 7302.5 | 08/11/2025 | 6.630% |  |  | No | 9.256% |  | 9.125% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 40.11% | 40.11% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 202 | 31 | Work Number | Yes | 11 | 11 | FNMA 1005 | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Other - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025, 2024, 2023 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS IRS Transcripts Verified - 2025, 2024 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025, 2024, 2023 \|\| Co Borrower - 2 YRS IRS Transcripts Verified - 2025, 2024 | xx | xx | CA | xx | xx | 07/25/2025 | 07/25/2025 | 07/25/2025 |  |  | 690 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | xx | 15.4 | xx | 16.8 | No | xx | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| xx | 40673688 |  |  | xx | xx | xx | No | xx | xx | xx | v2025_07_2nd | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 6915 | 08/18/2025 | 6.610% |  |  | No | 10.600% |  | 10.375% |  | xx | No | xx | xx | xx | xx | xx | xx | xx | xx | $0.00 | N/A | xx | FL | xx | xx | Monthly | 0.00% | 38.08% | 38.08% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 100.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 36 | Yes | 36 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership, SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2025, 2024 \|\| Co Borrower - SEPartnership - CPA Letter Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - 2025, 2024 \|\| Co Borrower - 2025, 2024 | xx | xx | FL | xx | xx | 08/21/2025 | 08/21/2025 | 08/21/2025 |  |  | 734 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | xx | 6 | xx | 26.9 | No | xx | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| xx | 48343490 |  |  | xx | xx | xx | No | xx | xx | xx | 1 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 11790 | 08/11/2025 | 6.630% |  |  | No | 8.651% |  | 8.375% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 22.65% | 22.65% | No | No |  |  |  |  |  |  | Not Employed | Self-Employed |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 100.00% |  | N/A | 0 | N/A | Audited | CPA | 12 | NA | 0 | Yes | 84 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - N/A \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower \|\| Co Borrower - 2024, 2025 | xx | xx | CA | xx | xx | 08/06/2025 | 08/06/2025 | 08/06/2025 |  |  | 770 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xx | xx | xx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xx | 57.8 | No | xx | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | xx | xx |  |  |
| xx | 42799685 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 9.625% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 48.06% | 48.06% | Yes | Yes | 1 - Not Stated Not Verified |  | 3 - Stated, Partially Verified |  | 3 - Stated, 3rd Party Verification |  | Self-Employed | Unknown | Self-Employed |  | 11.68 |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 90.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower - N/A \|\| Co Borrower 2 - SESoleProprietor, SESoleProprietor, SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 \|\| Co Borrower \|\| Co Borrower 2 - 2024, 2025 | xx | xx | NV | xx | xx | 07/15/2025 | 07/15/2025 | 07/15/2025 | 07/16/2025 |  | 754 | 779 | 764 | 788 |  |  |  | 779 |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | .00 | 0 | xx | 48.7 | No | xx | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | Member on Behalf of Entity | N/A |  |  |  |  |
| xx | 46205559 |  |  | xx | xx | xx | No | xx | xx | xx | v2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 8790 | 08/11/2025 | 6.630% |  |  | No | 11.527% |  | 11.125% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 31.17% | 31.17% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | xx | xx | CA | xx | xx | 07/30/2025 | 07/30/2025 |  |  |  | 689 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xx | 45.2 | No | xx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xx | 40264072 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 8390 | 05/26/2025 | 6.930% |  |  | No | 9.322% |  | 9.125% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | xx | N/A |  |  | $0.00 |  |  | 0.00% | 19.98% | 19.98% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - Executed 4506T Verified - 2024, 2025 | xx | xx | CA | xx | xx | 04/01/2025 | 04/01/2025 |  |  |  | 715 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xx | 31.2 | No | xx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xx | 47867235 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 17251 | 05/12/2025 | 6.800% |  |  | No | 10.067% |  | 9.750% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | xx | N/A |  |  | $0.00 |  |  | 0.00% | 33.13% | 33.13% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | NA |  | N/A | 0 |  |  | 2 | 2 |  |  | 2 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Borrower Prepared | 15 | Borrower |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp, SEPartnership, SESCorp, SESoleProprietor, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(K1), YTD Profit And Loss Verified, 2 YRS W2 1099 Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - 2022, 2023, 2024, 2025 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(K1), 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - 2022, 2023, 2024, 2025 | xx | xx | CA | xx | xx | 05/15/2025 | 05/15/2025 |  |  |  | 716 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xx | 31.5 | No | xx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xx | 42902658 |  |  | xx | xx | xx | No | xx | xx | xx | v2025_03_2nd | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 10285 | 05/05/2025 | 6.740% |  |  | No | 8.538% |  | 8.375% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | xx | N/A |  |  | $0.00 |  |  | 0.00% | 12.80% | 12.80% | Yes | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2025, 2024 \|\| Co Borrower - N/A | Borrower - 2025, 2024 \|\| Co Borrower | xx | xx | CA | xx | xx | 03/21/2025 | 03/21/2025 | 05/09/2025 |  |  | 784 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xx | 61 | No | xx | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| xx | 43007808 |  |  | xx | xx | xx | No | xx | xx | xx | 1 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 8309 | 05/12/2025 | 6.800% |  |  | No | 11.263% |  | 11.000% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | xx | N/A |  |  | $0.00 |  |  | 0.00% | 49.08% | 49.08% | No | No |  |  |  |  |  |  | Self-Employed | Unknown |  |  |  |  | 2YR Full Doc | 2 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 2 | 2 | 0 | 0 | 2 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SEPartnership, SESCorp, SESoleProprietor, Other, Other, SECorporation - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, 1065), CPA Letter Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2022, 2023 \|\| Co Borrower - N/A | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, 1065), 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2022, 2023 \|\| Co Borrower | xx | xx | CA | xx | xx | 03/31/2025 | 03/31/2025 | 03/31/2025 |  |  | 690 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xx | 7 | No | xx | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| xx | 43824391 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 9.500% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.064 | 1.064 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xx | xx | CA | xx | xx | 04/24/2025 | 04/24/2025 |  |  |  | 781 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | .00 | 0 | xx | 49.9 | No | xx | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | xx |  |  |  |
| xx | 40430029 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 12850 | 05/05/2025 | 6.740% |  |  | No | 8.611% |  | 8.375% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | xx | N/A |  |  | $0.00 |  |  | 0.00% | 18.61% | 18.61% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 144 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | xx | xx | CA | xx | xx | 04/24/2025 | 04/24/2025 |  |  |  | 766 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xx | 44 | No | xx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | xx |  |  |  |
| xx | 42593388 |  |  | xx | xx | xx | No | xx | xx | xx | v2025_03_2nd | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 19665 | 05/19/2025 | 6.870% |  |  | No | 9.399% |  | 9.000% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | xx | N/A |  |  | $0.00 |  |  | 0.00% | 36.74% | 36.74% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 71.50% |  |  | N/A | 0 | N/A |  |  |  | Yes | 79 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Executed 4506T Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - Executed 4506T Verified - 2025, 2024 | xx | xx | CA | xx | xx | 05/08/2025 | 05/08/2025 |  |  |  | 779 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xx | 15.5 | No | xx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | xx |  |  |  |
| xx | 48093383 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 5365 | 05/19/2025 | 6.870% |  |  | No | 10.535% |  | 10.250% |  | xx | No | xx | xx | xx | xx | xx | xx | xx | xx | xx | N/A | xx | GA | xx | xx | Annually | 0.00% | 8.06% | 8.06% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 47 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | xx | xx | GA | xx | xx | 05/30/2025 | 05/30/2025 |  |  |  | 714 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | I-151 Permanent Resident Card |  | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xx | 45.1 | No | xx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xx | 40483916 |  |  | xx | xx | xx | No | xx | xx | xx | v2025_03_2nd | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 12545 | 05/19/2025 | 6.870% |  |  | No | 10.468% |  | 10.125% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | xx | N/A |  |  | $0.00 |  |  | 0.00% | 48.82% | 48.82% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 161 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2025, 2024 | Borrower - 2025, 2024 | xx | xx | CA | xx | xx | 05/06/2025 | 05/06/2025 |  |  |  | 720 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xx | 7.8 | No | xx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xx | 47364565 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 10040 | 05/12/2025 | 6.800% |  |  | No | 8.404% |  | 8.250% |  | xx | No | xx | xx | xx | xx | xx | xx | xx | xx | xx | N/A | xx | CA | xx | xx | Monthly | 0.00% | 49.17% | 49.17% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 1 | 1 |  |  | 2 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 85.00% |  |  | Borrower Prepared | 17 | Borrower |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(K1), YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - 2023 - 2023 | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(K1), 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - 2023 - 2023 | xx | xx | CA | xx | xx | 04/14/2025 | 04/14/2025 |  |  |  | 749 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xx | 18.6 | No | xx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xx | 41001545 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 7208.75 | 05/26/2025 | 6.930% |  |  | No | 9.734% |  | 9.375% |  | xx | No | xx | xx | xx | xx | xx | xx | xx | xx | xx | N/A | xx | CA | xx | xx | Monthly | 0.00% | 38.40% | 38.40% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 300 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | xx | xx | CA | xx | xx | 04/14/2025 | 04/14/2025 |  |  |  | 750 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xx | 41.7 | No | xx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | xx |  |  |  |
| xx | 43394632 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 6382 | 05/26/2025 | 6.930% |  | Resolved-Resolved-06/12/2025 HOI document received. - Due Diligence Vendor-06/13/2025 <br> Ready for Review-Document Uploaded. EOI w/1st mortgagee clause and borrower name. Please clear conditions. - Seller-06/11/2025 <br> Open- Hazard Insurance Policy Partially Provided - Document is incomplete or missing required policy information. Missing required 1st lien mortgagee clause on Hazard Policy. File contains Hazard policy with xx as Mortgagee. 1st lien is currently with Lender xx which is not reflected. Both mortgagee clause need to be evident on Second Mortgage loan. - Due Diligence Vendor-06/05/2025 | No | 9.991% |  | 9.750% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | xx | N/A |  |  | $0.00 |  |  | 0.00% | 39.78% | 39.78% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 75.00% | 25.00% |  | Audited | 12 | CPA | Audited | CPA | 12 | Yes | 241 | Yes | 241 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 \|\| Co Borrower - SEPartnership - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 \|\| Co Borrower - 2024, 2025 | xx | xx | CA | xx | xx | 05/07/2025 | 05/07/2025 | 05/07/2025 |  |  | 737 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xx | xx | xx | xx | xx | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xx | 14.7 | No | xx | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| xx | 47773724 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 12102.5 | 05/26/2025 | 6.930% |  |  | No | 8.436% |  | 8.250% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | xx | N/A |  |  | $0.00 |  |  | 0.00% | 13.78% | 13.78% | No | No |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 1 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 1 | NA | No | No | 0 | No | No | Yes | 0 | 0 | Yes | Yes | 0 | 12 | 81.94% | 0.00% | 35.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | Yes | 24 | Yes | 6 | 6 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2025, 2024 \|\| Co Borrower - SEPartnership - CPA Letter Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2025, 2024 \|\| Co Borrower - 2025, 2024 | xx | xx | CT | xx | xx | 05/01/2025 | 05/01/2025 | 05/01/2025 |  |  | 793 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xx | 25.9 | No | xx | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| xx | 45231216 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 16790 | 05/26/2025 | 6.930% |  |  | No | 9.137% |  | 8.875% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | xx | N/A |  |  | $0.00 |  |  | 0.00% | 49.87% | 49.87% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified, Lease Agreements Verified - 2024, 2025 | Borrower - 2024, 2025 | xx | xx | WA | xx | xx | 04/25/2025 | 04/25/2025 |  |  |  | 724 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xx | 13.2 | No | xx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xx | 40107837 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 1790 | 06/02/2025 | 6.920% |  |  | No | 8.482% |  | 8.375% |  | xx | No | xx | xx | xx | xx | xx | xx | xx | xx | xx | N/A | xx | CA | xx | xx | Monthly | 0.00% | 39.67% | 39.67% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 96.59% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - 2025, 2024 | xx | xx | CA | xx | xx | 06/04/2025 | 06/04/2025 |  |  |  | 721 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xx | 18.6 | No | xx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xx | 49971596 |  |  | xx | xx | xx | No | xx | xx | xx | 1 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 8790 | 05/26/2025 | 6.930% |  |  | No | 10.509% |  | 10.125% |  | xx | No | xx | xx | xx | xx | xx | xx | xx | xx | xx | N/A | xx | CO | xx | xx | Monthly | 0.00% | 30.60% | 30.60% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 254 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, Executed 4506T Verified - 2024, 2025 | Borrower - Executed 4506T Verified - 2024, 2025 | xx | xx | CO | xx | xx | 05/12/2025 | 05/12/2025 |  |  |  | 680 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | xx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xx | 47040639 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 13040 | 06/02/2025 | 6.920% |  |  | No | 9.711% |  | 9.500% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | xx | N/A |  |  | $0.00 |  |  | 0.00% | 33.04% | 33.04% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025, 2024, 2023 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025, 2024, 2023 | xx | xx | CA | xx | xx | 05/14/2025 | 05/14/2025 |  |  |  | 684 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xx | 11.7 | No | xx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xx | 44424853 |  |  | xx | xx | xx | No | xx | xx | xx | v2025_03_2nd | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 20540 | 06/02/2025 | 6.920% |  |  | No | 9.328% |  | 9.000% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | xx | N/A |  |  | $0.00 |  |  | 0.00% | 11.92% | 11.92% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - 2025, 2024 | xx | xx | CA | xx | xx | 04/21/2025 | 04/21/2025 |  |  |  | 737 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xx | 36.1 | No | xx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xx | 43871094 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 13771.25 | 05/26/2025 | 6.930% |  |  | No | 8.693% |  | 8.250% |  | xx | No | xx | xx | xx | xx | xx | xx | xx | xx | xx | N/A | xx | AZ | xx | xx | Annually | 0.00% | 13.78% | 13.78% | No | No | 1 - Not Stated Not Verified | 1 - Not Stated Not Verified |  |  |  |  | Not Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | Yes | Yes | 0 | 12 | 0.00% | 0.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - N/A \|\| Co Borrower - SESoleProprietor - Business Bank Statements Verified - 2025, 2024 | Borrower \|\| Co Borrower - 2025, 2024 | xx | xx | AZ | xx | xx | 06/11/2025 | 06/11/2025 | 06/11/2025 |  |  | 763 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xx | xx | xx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xx | 68.5 | No | xx | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| xx | 45019264 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 14715 | 06/02/2025 | 6.920% |  |  | No | 8.604% |  | 8.375% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | xx | N/A |  |  | $0.00 |  |  | 0.00% | 28.98% | 28.98% | No | No |  |  |  |  |  |  | Unknown | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | Yes | Yes | 0 | 12 | 100.00% | 0.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - N/A \|\| Co Borrower - SESoleProprietor - Business Bank Statements Verified - 2025, 2024 | Borrower \|\| Co Borrower - 2025, 2024 | xx | xx | CA | xx | xx | 03/27/2025 | 03/27/2025 | 03/27/2025 |  |  | 776 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | xx | 0.4 | xx | 1.2 | No | xx | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| xx | 42677099 |  |  | xx | xx | xx | No | xx | xx | xx | v2025_03_2nd | xx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 10.000% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | xx | N/A |  |  | $0.00 |  |  | 0.00% | 31.72% | 31.72% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - 2025, 2024 | xx | xx | NJ | xx | xx | 04/05/2025 | 04/05/2025 |  |  |  | 695 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | xx | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xx | 40771101 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 3940 | 05/26/2025 | 6.930% |  |  | No | 8.490% |  | 8.250% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | xx | N/A |  |  | $0.00 |  |  | 0.00% | 49.92% | 49.92% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 84 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 73.87% | 100.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Asset Depletion - Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower - SESoleProprietor - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 \|\| Co Borrower - 2024, 2025 | xx | xx | CA | xx | xx | 05/08/2025 | 05/08/2025 | 05/08/2025 |  |  | 802 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | xx | 9.5 | xx | 44.1 | No | xx | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| xx | 40061219 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 12990 | 06/09/2025 | 6.880% |  |  | No | 8.520% |  | 8.250% |  | xx | No | xx | xx | xx | xx | xx | xx | xx | xx | xx | N/A | xx | CA | xx | xx | Monthly | 0.00% | 30.70% | 30.70% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | xx | xx | CA | xx | xx | 05/26/2025 | 05/26/2025 |  |  |  | 768 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | xx | 4.4 | xx | 20.3 | No | xx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | xx |  |  |  |
| xx | 43001367 |  |  | xx | xx | xx | No | xx | xx | xx | v2 | xx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 9.250% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.377 | 1.377 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xx | xx | UT | xx | xx | 06/16/2025 | 06/16/2025 |  |  |  | 804 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | .00 | 0 | .00 | 0 | No | xx | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xx | 40002712 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.875% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | xx | N/A |  |  | $0.00 |  |  | 0.00% | 28.62% | 28.62% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 50.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 44 | Yes | 44 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified - 2025, 2024 \|\| Co Borrower - SEPartnership - CPA Letter Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - 2025, 2024 \|\| Co Borrower - 2025, 2024 | xx | xx | CA | xx | xx | 03/04/2025 | 03/04/2025 | 03/04/2025 |  |  | 766 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xx | xx | xx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | .00 | 0 | xx | 49.4 | No | xx | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| xx | 46399367 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 14090 | 06/02/2025 | 6.920% |  |  | No | 9.529% |  | 9.250% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | xx | N/A |  |  | $0.00 |  |  | 0.00% | 39.03% | 39.03% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 65 | 28 | Work Number | Yes | 50 | 28 | Work Number | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | xx | xx | CA | xx | xx | 03/28/2025 | 03/28/2025 | 03/28/2025 |  |  | 721 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xx | 5.2 | No | xx | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | xx | xx |  |  |
| xx | 41267930 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 7789 | 06/09/2025 | 6.880% |  |  | No | 8.551% |  | 8.250% |  | xx | No | xx | xx | xx | xx | xx | xx | xx | xx | xx | N/A | xx | CA | xx | xx | Monthly | 0.00% | 33.57% | 33.57% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 88.25% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified, Lease Agreements Verified - 2024, 2025 | Borrower - 2024, 2025 | xx | xx | CA | xx | xx | 05/01/2025 | 05/01/2025 |  |  |  | 752 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | I-151 Permanent Resident Card |  | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xx | 32.2 | No | xx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | xx |  |  |  |
| xx | 48268012 |  |  | xx | xx | xx | No | xx | xx | xx | v2025_03_2nd | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 11091.25 | 06/09/2025 | 6.880% |  |  | No | 9.259% |  | 9.000% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | xx | N/A |  |  | $0.00 |  |  | 0.00% | 25.64% | 25.64% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2025, 2024 | Borrower - 2025, 2024 | xx | xx | ID | xx | xx | 04/28/2025 | 04/28/2025 |  |  |  | 723 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7 | xx | xx | 5 | 71 |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xx | 18.5 | No | xx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xx | 44999405 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 18140 | 05/19/2025 | 6.870% |  |  | No | 9.310% |  | 9.000% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | xx | N/A |  |  | $0.00 |  |  | 0.00% | 28.26% | 28.26% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | xx | xx | CA | xx | xx | 04/23/2025 | 04/23/2025 |  |  |  | 767 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xx | 37.3 | No | xx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xx | 42671166 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 4748 | 06/16/2025 | 6.890% |  |  | No | 10.077% |  | 9.750% |  | xx | No | xx | xx | xx | xx | xx | xx | xx | xx | xx | N/A | xx | CA | xx | xx | Monthly | 0.00% | 43.29% | 43.29% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2025, 2024 \|\| Co Borrower - N/A | Borrower - 2025, 2024 \|\| Co Borrower | xx | xx | CA | xx | xx | 05/01/2025 | 05/01/2025 | 05/01/2025 |  |  | 726 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xx | xx | xx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | xx | 4.5 | xx | 9.7 | No | xx | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | xx | xx |  |  |
| xx | 44976449 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 11790 | 06/09/2025 | 6.880% |  |  | No | 10.200% |  | 9.875% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | xx | N/A |  |  | $0.00 |  |  | 0.00% | 13.83% | 13.83% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 48 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | xx | xx | FL | xx | xx | 04/14/2025 | 04/14/2025 |  |  |  | 683 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xx | 11 | No | xx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xx | 49867558 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 7415 | 06/09/2025 | 6.880% |  |  | No | 9.259% |  | 8.875% |  | xx | No | xx | xx | xx | xx | xx | xx | xx | xx | xx | N/A | xx | CA | xx | xx | Annually | 0.00% | 24.06% | 24.06% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 45.00% | 55.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | Yes | 24 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower - SEPartnership - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 \|\| Co Borrower - 2024, 2025 | xx | xx | CA | xx | xx | 05/16/2025 | 05/16/2025 | 05/16/2025 |  |  | 727 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7 | xx | xx | 1 | 93 |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | xx | 40.2 | xx | 40.2 | No | xx | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| xx | 46423785 |  |  | xx | xx | xx | No | xx | xx | xx | v2 | xx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 10.125% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% | 0.00% | 0.00% |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.434 | 1.464 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xx | xx | CA | xx | xx | 05/29/2025 | 05/29/2025 | 05/29/2025 |  |  | 726 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xx | xx | xx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | .00 | 0 | .00 | 0 | No | xx | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |  |  |  |  |

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## Exhibit 99.4

[VISTA POINT ASSETS LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.4 - Schedule 6**

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| **Loan ID** | **Dummy 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?** |
| xx | 45284977 |  |  | xx | 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 | 7454.23 | 8.967 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xx | 45878271 |  |  | xx | 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 | 6790 | 10.719 | Yes | Yes | N/A | Yes | Yes | Yes | xx- 1st Payment Letter showing interim servicer info noted on 1003 but xx is 1st mtg lender.pdf | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xx | 49164141 |  |  | xx | 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 | 8040 | 8.311 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xx | 48371548 |  |  | xx | 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 | N/A | Employed |  | No |  | Yes | Present |
| xx | 48261162 |  |  | xx | 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 | 5660 | 10.833 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xx | 43470572 |  |  | xx | 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 | 7922.75 | 10.792 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xx | 49205138 |  |  | xx | 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 | 6815 | 12.551 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xx | 42673575 |  |  | xx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | N/A | Employed |  | No |  | Yes | Present |
| xx | 44182079 |  |  | xx | 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 | 14190 | 9.042 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xx | 41292558 |  |  | xx | 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 | 19602.5 | 10.1 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed | Employed | No | No | No |  |
| xx | 45511957 |  |  | xx | 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 | 6235 | 9.306 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xx | 42632478 |  |  | xx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | N/A | Employed |  | No |  | Yes | Present |
| xx | 43455023 |  |  | xx | 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 | N/A | Not Employed | Not Employed | No | No | Yes | Present |
| xx | 40202427 |  |  | xx | 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 | 8340 | 9.016 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xx | 41104227 |  |  | xx | 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 | 1790 | 9.668 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xx | 48399455 |  |  | xx | 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 | 9485 | 8.991 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xx | 40773582 |  |  | xx | 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 | 13215 | 10.287 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xx | 45455430 |  |  | xx | 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 | 8211 | 11.052 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xx | 42107757 |  |  | xx | 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 | 5790 | 8.421 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xx | 43163943 |  |  | xx | 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 | 14290 | 8.866 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed | Not Employed | No | No | No |  |
| xx | 47862014 |  |  | xx | 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 | 16835 | 8.501 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xx | 47780691 |  |  | xx | 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 | 13085 | 9.643 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xx | 45747083 |  |  | xx | 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 | 9165 | 11.014 | Yes | Waived-Exception required under xx for a non-warrantable condo due to mortgagee responsible for 7-12<br> months of assessments - Due Diligence Vendor-08/01/2025 | N/A | Waived-Exception required under xx for a non-warrantable condo due to mortgagee responsible for 7-12<br> months of assessments - Due Diligence Vendor-08/01/2025 | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xx | 47643678 |  |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 8785 | 8.862 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xx | 41784332 |  |  | xx | 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 | 14577.5 | 9.126 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xx | 41053216 |  |  | xx | 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 | 14385 | 8.923 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| xx | 44593773 |  |  | xx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  | Yes | Yes | No | No | No | No | No | No | No | No | Yes | 19602.5 |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | N/A | Employed |  | No |  | Yes | Present |
| xx | 46993385 |  |  | xx | 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 | 10915 | 8.565 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xx | 41017805 |  |  | xx | 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 | 5777.5 | 12.174 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xx | 41357367 |  |  | xx | 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 | 6012.75 | 11.734 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed | Employed | No | No | No |  |
| xx | 45471322 |  |  | xx | 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 | N/A | Employed |  | No |  | Yes | Present |
| xx | 49878824 |  |  | xx | 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 | 10603 | 9.146 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xx | 43657972 |  |  | xx | 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 | 4340 | 9.531 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xx | 40094475 |  |  | xx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 6085 |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | N/A | Employed | Employed | No | No | Yes | Present |
| xx | 48485962 |  |  | xx | 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 | 20540 | 9.196 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xx | 48539043 |  |  | xx | 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 |  |  |  |  | No |  | Yes | Present |
| xx | 46638807 |  |  | xx | 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 | 6645 | 11.213 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed | Employed | No | No | No |  |
| xx | 42879019 |  |  | xx | 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 | 8540 | 8.451 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xx | 41299248 |  |  | xx | 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 |  |  |  |  | No |  | Yes | Present |
| xx | 47316427 |  |  | xx | 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 | 11595 | 9.61 | Yes | Yes | N/A | Yes | Yes | • xx DSCR <br> • LTV xx <br> • DSCR 1.038 (using market rents $12,300) <br> • Cashout <br> • Rate 9.375% | Yes | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xx | 41106094 |  |  | xx | 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 | 6916 | 9.171 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed | Employed | No | No | No |  |
| xx | 43780739 |  |  | xx | 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 | N/A | Employed |  | No |  | Yes | Present |
| xx | 42735976 |  |  | xx | 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 | 12160 | 8.192 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xx | 42618122 |  |  | xx | 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 |  |  |  |  | No |  | Yes | Present |
| xx | 45583958 |  |  | xx | 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 | 14390 | 8.436 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xx | 49309965 |  |  | xx | 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 | 11371.25 | 9.165 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xx | 40395026 |  |  | xx | 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 | 4290 | 10.027 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed | Employed | No | No | No |  |
| xx | 46241788 |  |  | xx | 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 | 7302.5 | 9.256 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed | Employed | No | No | No |  |
| xx | 40673688 |  |  | xx | 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 | 6915 | 10.6 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed | Employed | No | No | No |  |
| xx | 48343490 |  |  | xx | 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 | 11790 | 8.651 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Not Employed | Employed | No | No | No |  |
| xx | 42799685 |  |  | xx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | N/A | Employed | Unknown | No | No | Yes | Present |
| xx | 46205559 |  |  | xx | 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 | 8790 | 11.527 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xx | 40264072 |  |  | xx | 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 | 8390 | 9.322 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xx | N/A | Employed |  | No |  | No |  |
| xx | 47867235 |  |  | xx | 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 | 17251 | 10.067 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xx | N/A | Employed |  | No |  | No |  |
| xx | 42902658 |  |  | xx | 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 | 10285 | 8.538 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xx | N/A | Employed | Not Employed | No | No | No |  |
| xx | 43007808 |  |  | xx | 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 | 8309 | 11.263 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xx | N/A | Employed | Unknown | No | No | No |  |
| xx | 43824391 |  |  | xx | 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 |
| xx | 40430029 |  |  | xx | 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 | 12850 | 8.611 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xx | N/A | Employed |  | No |  | No |  |
| xx | 42593388 |  |  | xx | 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 | 19665 | 9.399 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xx | N/A | Employed |  | No |  | No |  |
| xx | 48093383 |  |  | xx | 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 | 5365 | 10.535 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xx | N/A | Employed |  | No |  | No |  |
| xx | 40483916 |  |  | xx | 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 | 12545 | 10.468 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xx | N/A | Employed |  | No |  | No |  |
| xx | 47364565 |  |  | xx | 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 | 10040 | 8.404 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xx | N/A | Employed |  | No |  | No |  |
| xx | 41001545 |  |  | xx | 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 | 7208.75 | 9.734 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xx | Yes | Employed |  | No |  | No |  |
| xx | 43394632 |  |  | xx | 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 | 6382 | 9.991 | Yes | Resolved-Resolved-06/12/2025 HOI document received. - Due Diligence Vendor-06/13/2025 <br> Ready for Review-Document Uploaded. EOI w/1st mortgagee clause and borrower name. Please clear conditions. - Seller-06/11/2025 <br> Open- Hazard Insurance Policy Partially Provided - Document is incomplete or missing required policy information. Missing required 1st lien mortgagee clause on Hazard Policy. File contains Hazard policy with xx as Mortgagee. 1st lien is currently with Lender xx which is not reflected. Both mortgagee clause need to be evident on Second Mortgage loan. - Due Diligence Vendor-06/05/2025 | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xx | N/A | Employed | Employed | No | No | No |  |
| xx | 47773724 |  |  | xx | 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 | 12102.5 | 8.436 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xx | N/A | Employed | Employed | No | No | No |  |
| xx | 45231216 |  |  | xx | 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 | 16790 | 9.137 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xx | N/A | Employed |  | No |  | No |  |
| xx | 40107837 |  |  | xx | 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 | 1790 | 8.482 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xx | N/A | Employed |  | No |  | No |  |
| xx | 49971596 |  |  | xx | 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 | 8790 | 10.509 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xx | N/A | Employed |  | No |  | No |  |
| xx | 47040639 |  |  | xx | 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 | 13040 | 9.711 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xx | N/A | Employed |  | No |  | No |  |
| xx | 44424853 |  |  | xx | 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 | 20540 | 9.328 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xx | N/A | Employed |  | No |  | No |  |
| xx | 43871094 |  |  | xx | 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 | 13771.25 | 8.693 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xx | N/A | Not Employed | Employed | No | No | No |  |
| xx | 45019264 |  |  | xx | 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 | 14715 | 8.604 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xx | N/A | Unknown | Employed | No | No | No |  |
| xx | 42677099 |  |  | xx | 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 | xx | N/A | Employed |  | No |  | Yes | Present |
| xx | 40771101 |  |  | xx | 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 | 3940 | 8.49 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xx | N/A | Employed | Employed | No | No | No |  |
| xx | 40061219 |  |  | xx | 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 | 12990 | 8.52 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xx | N/A | Employed |  | No |  | No |  |
| xx | 43001367 |  |  | xx | 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 |
| xx | 40002712 |  |  | xx | 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 | xx | N/A | Employed | Employed | No | No | Yes | Present |
| xx | 46399367 |  |  | xx | 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 | 14090 | 9.529 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xx | N/A | Employed | Employed | No | No | No |  |
| xx | 41267930 |  |  | xx | 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 | 7789 | 8.551 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xx | N/A | Employed |  | No |  | No |  |
| xx | 48268012 |  |  | xx | 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 | 11091.25 | 9.259 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xx | N/A | Employed |  | No |  | No |  |
| xx | 44999405 |  |  | xx | 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 | 18140 | 9.31 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xx | N/A | Employed |  | No |  | No |  |
| xx | 42671166 |  |  | xx | 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 | 4748 | 10.077 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xx | N/A | Employed | Not Employed | No | No | No |  |
| xx | 44976449 |  |  | xx | 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 | 11790 | 10.2 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xx | N/A | Employed |  | No |  | No |  |
| xx | 49867558 |  |  | xx | 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 | 7415 | 9.259 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xx | N/A | Employed | Employed | No | No | No |  |
| xx | 46423785 |  |  | xx | 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 |

---

## Exhibit 99.5

[VISTA POINT ASSETS LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.5**

**EXECUTIVE SUMMARY**

VSTA 2025-CES3

**Overview**

Maxwell Diligence Solutions, LLC ("MaxDiligence") performed certain due diligence services (the "Review") described below on residential mortgage loans acquired by ("Vista Point Mortgage, LLC"). The Review was conducted from June 2025 to September 2025 on mortgage loans originated from June 2025 to August 2025. The Review consisted of 100% of the population of 13 loans with an original aggregate loan balance of $3,978,900.00.

**Scope of Review**

**Credit Review**

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

The credit review included the following (collectively, the "Credit Review"):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Review Initial & Final Application</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Check application for completeness. Determine whether the information in the preliminary Loan application, final application,
and all credit documents is consistent or reconciled.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Validate Social Security/Taxpayer Identification number is valid

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Compare data on final form 1003 with the data from verifications

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Form is Complete, Signed, Dated, on or before loan consummation date, and NMLS is complete

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. <u>Review AUS Decision and Approval Conditions</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Underwriting decision is supported (manual underwrite credit conditions have been satisfied prior to closing the approved Loan
package)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Validation of income calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validation of assets/funds to close

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Validation of DTI / DSCR calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Validation of LTV calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Validation of payment shock calculations if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. DSCR 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Review of Hazard coverage and verification that sufficient coverage was in place on subject
and all premiums were included in DSCR

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Mortgage Insurance Certificate was
in file, if applicable, and

![](ex995001.jpg)

coverage was sufficient, and premium was included in DSCR

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Review of Rental income and /or market
rents and validation of DSCR calculation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. <u>Review Occupancy/Red Flags</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validates Social Security number and year issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verifies address information associated with the borrower (s)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Occupancy is supported

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Red Flags adequately addressed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. <u>Reverification of Borrower Original and Audit Credit Report</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validate names, social security number(s), and addresses

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. AKA's investigated and cleared

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validate credit inquiries within 90 days have been properly addressed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Acceptable credit history and credit score requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. <u>Reviews Fraud Report to compare vs loan documentation:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validates Social Security number and year issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verifies address information associated with the Borrower (s)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Confirms OFAC clearances

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Reveals any potential bankruptcy filings

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. <u>Review of Borrower Employment, Income, and Asset Information</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Compare for conflicting information

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Check dates for document expiration

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Complete forms and documentation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Evaluate history and stability of employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Review employment and income by analyzing income documents and comparing against re-verification documents

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. W-2s and Paystubs, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Transcripts (as applicable) support income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Tax Returns and Profit and Loss Statements, as applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Bank Statements or other Alternate Income documents as required by the guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Consistent/Continuing Employment, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Assets

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm adequate funds to cover required down payment and closing costs and reserves

![](ex995001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Check dates for document expiration

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Sufficient funds were sourced and seasoned

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Gift funds verified and met guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. <u>Review Sales Contract</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Complete and executed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Earnest Money Deposit verified

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Parties are consistent

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Seller contributions are within guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. <u>Hazard and Flood (if applicable)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verify sufficient coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verify coverage is for subject

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validate all premiums are included in DTI and any required upfront premium is paid

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. <u>Mortgage Insurance (if applicable)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Certificate in file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Sufficient Coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Premium indicated and included in DTI

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. <u>Review Title Commitment/Policy</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Vesting correct

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Lien position

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Legal description

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Validate no encumbrances

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11. <u>Review Closing Documents</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review security documents to ensure the Loan was closed in accordance with approval and with all required signatures and NMLS
identifiers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Correct and complete instruments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Closing Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Right to Cancel (if applicable)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;12. <u>Qualified Mortgage / Ability-to-Repay Review</u> 

Loans with application dates after January 10, 2014 are subject to the Qualified Mortgage ("QM") rule and the Ability to Repay ("ATR") rule under Regulation Z – the Truth in Lending Act. For these Loans, MaxDiligence will (a) Confirm that the originator/aggregator provided a QM designation, and (b) review the Loan for the eight (8) Key Underwriting Factors below that are required pursuant to the ATR rule.

![](ex995001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Sections 1411 and 1412 of the Dodd-Frank Wall Street Reform and Consumer Protection Act ("Dodd-Frank") amending
TILA, as implemented by Regulation Z, 12 C.F.R. 1026.43, excluding investment properties or business purpose loans, as set forth
below:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The general Ability to Repay (ATR) underwriting standards (12 C.F.R. 1026.43(c)) as evaluated based on the applicable investor
guidelines;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. MaxDiligence will review applicable mortgage loans for compliance with the ATR and QM rule requirements based upon each mortgage
loan's originator designation of QM, Non-QM, or exempt from ATR. (MaxDiligence determines the mortgage loan's status
under the ATR or QM rule requirements and assigns a due diligence mortgage loan designation. Generally, MaxDiligence notes as a
material exception if the due diligence findings do not confirm the originator's mortgage loan designation. Additionally,
MaxDiligence notes if an originator mortgage loan designation was not provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. MaxDiligence utilizes the following designations for applicable loans: QM designations: QM Safe-Harbor, Temporary QM, Non-QM,
QM Rebuttal Presumption and ATR Designations: ATR Compliant, ATR Exempt and ATR Fail.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. If a mortgage loan was designated as QM, MaxDiligence reviews the mortgage loan to determine whether, based on available information
in the mortgage loan file, if the mortgage loan satisfied (i), (ii) and (iii) in the preceding paragraph.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. For each QM designated mortgage loan that satisfied the applicable requirements enumerated above, MaxDiligence then determines
whether the mortgage loan is a Safe Harbor QM or QM Rebuttable Presumption by comparing the mortgage loan's actual annual
percentage rate, as recalculated, to the applicable average prime offer rate plus a certain applicable percentage. The

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. For each QM designated mortgage loan that does not satisfy the applicable requirements enumerated above, MaxDiligence then
determines whether the mortgage loan complies with the ATR rule consideration and verification requirements, as defined within
the applicable underwriting guidelines, and provides a due diligence designation of Non-QM indicating compliant, ATR risk indicating
it may not be compliant, or ATR Fail, indicating it is non-compliant.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. MaxDiligence reviews the mortgage loan to determine whether, based on available information in the mortgage loan file, the
creditor considered, as applicable, the following eight underwriting factors, and will verify such information using reasonably
reliable third-party records, at or before consummation:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Income / Assets - Recalculate borrower(s)'s monthly gross income, and validate funds required to close and required reserves,
to Confirm that the borrower has current or reasonably expected income or assets (other than the value of the property that secures
the Loan) that the borrower will rely on to repay the Loan.

● Review Loan documentation for required level of income and asset verifications.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Employment - Review file documentation for required level of employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Monthly Mortgage Payment: Confirm that the correct program, qualifying rate, and terms were used to calculate projected monthly
mortgage payment.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Simultaneous Loans - Ensure that all concurrent Loans were included in the debt-to-income ratio ("DTI") calculation,
to properly assess the ability to repay.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Mortgage-Related Obligations - Validate that the subject Loan monthly payment calculation includes principle, interest, taxes,
and insurance ("PITI"), as well as other costs related to the property such as homeowners' association ("HOA")
fees, private mortgage insurance ("PMI"), ground rental fees, etc.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Debts / Obligations - Validate monthly recurring non-mortgage-related liabilities

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. DTI / Residual Income - Validate debt-to-income ratio (DTI), or "residual income," based upon all mortgage and
non-mortgage obligations, calculated as a ratio of gross monthly income, based on documentation provided in the file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Credit History - Review credit report for credit history and required credit depth, including any / all inquiries, and Determine
a representative credit score from the credit report

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**Valuation Review**

MaxDiligence performed a "Valuation Review," which included the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Valuation Review</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. MaxDiligence'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. MaxDiligence's review included verifying the appraisal report:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. On the appropriate GSE form:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. All elements of appraisal are present

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Ensure all applicable Loan documents match appraisal information

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Property is acceptable collateral for Loan program

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Completed by an appraiser that was actively licensed to perform the valuation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Completed such that the named client on the appraisal report is the lender or a related entity that is permitted to engage
the lender per Title XI of FIRREA, or if the appraisal was performed for another lender, the file contains a transfer letter from
the original lender

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. The original appraisal report is made and signed prior to the final approval of the mortgage loan application; Any revisions,
if made known to MaxDiligence, to the original report are documented and dated completed and dated within the guideline's
restrictions,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. The original appraisal is 'As is' or Inspection received including all inspections, licenses, and certificates (including
certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect
to the use and occupancy of the same, have been made or obtained from the appropriate authorities.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Determine whether the appraised value is supported at or within 10% variance based on a third-party valuation product. If a
third-party valuation product is in file but notes a variance above 10% or an inconclusive value, MaxDiligence will recommend a
BPO or field review be ordered.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. With regard to the use of comparable properties, MaxDiligence's review will (a) review the relative comparable data (gross
and net adjustments, sale dates and distance from subject property) and ensure that such comparable properties are within standard
appraisal guidelines; (b) confirm the property value and square footage of the subject property was bracketed by comparable properties,
(c verify that comparable properties used are similar in size, style, and location to the subject, and (d) check for the reasonableness
of adjustments when reconciling value between the subject property and comparable properties.

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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;x. Other aspects of MaxDiligence's review include (i) verifying that the address matched the mortgage note, ((ii) if requested,
noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying the Client of same,
(iii) confirming the appraisal report does not include any apparent environmental problems, (iv) confirming the appraisal notes
the current use of the property is legal or legal non-conforming (grandfathered), (v) reviewing pictures to ensure (a) that the
property is in average or better condition and any repairs are noted where required and (b) that the subject property is the one
for which the valuation was ordered and that there are no negative external factors; and (vi) confirming that the value product
that was used as part of the origination decision conforms with rating agency requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. If more than one valuation was provided, MaxDiligence will confirm consistency among the valuation products and if there are
discrepancies that could not be resolved, MaxDiligence will create an exception and work with the client on the next steps which
may include ordering of additional valuation products such as collateral desktop analyses, broker's price opinions, and full
appraisals. If the property valuation products included in MaxDiligence's review result in a variance of more than 10% then
the client will be notified of such variance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. MaxDiligence will confirm to the extent possible, that the appraiser and the appraisal made by such appraiser both satisfied
the requirements of Title XI of FIRREA. Specifically, MaxDiligence will review the appraisal for conformity to industry standards,
including ensuring the appraisal was complete, that the comparable properties and adjustments were reasonable and that pictures
were provided and were accurate.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. In addition, MaxDiligence will access the ASC database to verify that the appraiser, and if applicable the appraiser's
supervisor, were licensed and in good standing at the time the appraisal was completed.

**Compliance Review**

MaxDiligence performed a "Compliance Review" below, which is applicable to Loans originated on or after October 3, 2015, which are subject to the TILA/RESPA Integrated Disclosure Rule ("<u>TRID</u>"). Unless specifically requested by client, the compliance review excluded business purpose loans.

With regard to TRID testing, MaxDiligence implemented the TRID scope of review referenced within the Regulatory Compliance section (III) based on (i) the SFA RMBS TRID Grid 4.0 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. MaxDiligence worked with outside counsel and continues to obtain updated interpretations relative to the informal guidance provided by the Consumer Financial Protection Bureau ("CFPB") which has caused alterations in the review scope and severity of TRID related exceptions, including applicable cures. (This will continue as necessary as additional guidance becomes

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available, as well as any future rulemaking.) While MaxDiligence continues to make a good faith effort to identify material TRID exceptions and apply the appropriate grading, the implementation of new regulations (including TRID) that impact residential mortgages carries certain interpretive risk and continues to evolve, impacting the review scope and exception severity.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Loan Estimates ("LEs")</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review the Initial LE and confirm (i) the correct form was used; (ii) all sections of the Initial
LE are completed; and (iii) the Initial LE accurately reflects the information provided to MaxDiligence

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. If there is a Revised LE, confirm (i) that there is a "valid reason" for the Revised
LE; and (ii) that the Revised LE was issued within three (3) days of the change.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Determine which LE in the file is the "final binding" LE for the purpose of Tolerance
Testing. A Revised LE that is issued after the CD, or that does not state a valid reason will not be used for the purposes of Tolerance
Testing. All revised LEs issued to the consumer will be reviewed for accuracy of terms.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Confirm initial LE was delivered within three (3) Business Days from the application date, and
at least seven (7) Business Days prior to the consummation date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Confirm revised LE was delivered within three (3) Business Days from date of the "valid reason"
giving rise to the Revised LE, and at least four (4) Business Days prior to the consummation date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Confirm that certain sections of each LE determined to carry assignee liability were accurately
completed and that information was reflected in the appropriate locations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. <u>Closing Disclosures ("CDs")</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review the CD review and confirm (i) the correct form was used; (ii) all sections of the CD are
completed; and (iii) the CD accurately reflects the information provided to MaxDiligence.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. If a subsequent CD is issued, confirm (i) that there was a valid reason for the change; (ii) that
the CD was issued within three (3) days of the change; and (iii) whether the reason for the change requires a new 3-day waiting
period prior to the consummation date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Confirm Initial CD, and any subsequent CD with material changes (i.e. changes that require a new
waiting period), was received at least three (3) Business Days prior to the consummation date. With respect to applicable exception
remediation measures for numerical exceptions, confirm that a letter of explanation, as well as a refund as applicable, was delivered
or placed in the mail no later than 60 days after discovery of the exception establishing the need for a revised CD or with respect
to exception remediation measures for non-numerical exceptions, that a corrected CD was delivered or placed in the mail no later
than 60 days after consummation.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. <u>Federal Truth in Lending Act</u> ("TILA"), as implemented by Regulation Z, 12 C.F.R.
Part 1026, as set forth below:

Rescission

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Failure to provide the right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. failure to provide the right of rescission notice in a timely manner and to the correct consumer(s);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. errors in the right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. failure to provide the correct form of right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. failure to provide the three (3) Business Day rescission period; and

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. <u>Tolerance Testing</u>. Compare the fees disclosed in the final binding LE to those in the final
CD, and confirm that final CD fees are within the permitted tolerances. Confirm the total of payments are considered accurate as
defined by Regulation Z. Confirm Finance Charge tolerances are correct.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. <u>Subsequent Changes</u>. Review the file to determine (i) whether there is evidence that certain
changes or errors (per the regulation) were discovered subsequent to closing, (ii) and whether the Loan originator followed the
prescribed cure. Test for evidence such as a copy of the refund check, or a corrected, post-consummation CD (" <u>PCCD</u> "),
and iii) with respect to applicable exception remediation measures for numerical exceptions, confirm that a letter of explanation,
as well as a refund as applicable, was delivered or placed in the mail no later than 60 days after discovery of the exception establishing
the need for a revised CD or with respect to exception remediation measures for non-numerical exceptions, that a corrected CD was
delivered or placed in the mail no later than 60 days after consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. <u>Loan Toolkit (§1026.19)</u>:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Confirm Your Home Loan Toolkit was delivered or placed in the mail not later than three (3) Business
Days after receipt of application.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. <u>TILA</u> 

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Points and fees threshold test;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. APR threshold test;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Prepayment penalty test; and

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Compliance with the disclosure requirements, limitation on terms and prohibited acts or practices
in connection with a high-cost mortgage.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Compliance with the escrow account and appraisal requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. With respect to brokered mortgage loans, the Prohibitions and Restrictions related to Loan Originator
Compensation and Steering (§1026.36):

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Review relevant document to determine if there was dual compensation; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Review the presence of the mortgage loan option disclosure and to determine if the Steering Safe
Harbor provisions were satisfied.

● Note: Where available, MaxDiligence 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, MaxDiligence's review was limited to formal general statements of entity compliance provided by the mortgage loan originator, if any. These statements, for example, were in the form of a letter signed by the seller correspondent/mortgage loan originator or representations in the mortgage loan purchase agreement between the Client and seller correspondent;

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Determine if the creditor financed, directly or indirectly, any premiums or fees for credit insurance
in jurisdictions where it is prohibited.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Verify the data against the NMLSR database, as available.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. <u>RESPA</u>:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm the presence of the Servicing Disclosure Statement form in the mortgage loan file;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Verify the Servicing Disclosure Statement was provided to the borrower(s) within three (3) Business
Days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Confirm the presence of the Your Home Loan Toolkit/Special Information Booklet in the mortgage
loan file or that the mortgage loan file contains documentary evidence that the disclosure was provided to the borrower;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Confirm the Your Home Loan Toolkit /Special Information Booklet was provided within three (3) Business
Days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Confirm the presence of the CHARM booklet when applicable;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Confirm that the CHARM booklet was issued within three (3) Business Days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Confirm the presence of the Affiliated Business Arrangement Disclosure in the mortgage loan file
in the event the lender has affiliated business arrangements;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Confirm the Affiliated Business Arrangement Disclosure was provided no later than three (3) Business
Days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. Confirm the Affiliated Business Arrangement Disclosure is executed;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x. Confirm the presence of the Initial Escrow Disclosure Statement in the mortgage loan file and proper
timing;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;xi. Confirm that the creditor provided the borrower a list of homeownership counselling organizations
within three (3) Business Days of application; and

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. <u>ECOA</u>: The Equal Credit Opportunity Act, as implemented by Regulation B, 12 C.F.R. Part 1002,
as set forth below:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Timing and content of the right to receive copy of appraisal disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Charging of a fee for a copy of the appraisal or other written valuation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Timing of creditor providing a copy of each appraisal or other written valuation; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. iv) With respect to a borrower that has waived the three (3) Business Day
disclosure requirement, confirm that (a) the borrower has signed the waiver or other acknowledgment at least three (3) Business
Days prior to consummation; and (b) that the lender has provided copies of appraisals and other written valuations at or prior
to consummation.

![](ex995001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. <u>Other Provisions</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Texas:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution
and associated regulations;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Fed/State/Local Predatory Lending:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Prepay Penalties and Late Fees:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Federal and state specific late charge and prepayment penalty provisions.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11. <u>Exclusions</u>. MaxDiligence will not test:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Loan types that are excluded from compliance with TRID.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Technical formatting of disclosures.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Other Post-consummation disclosures, including Escrow Closing Notice; and Mortgage servicing transfer
and partial payment notices.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. For Loans made by an FDIC-supervised institution or servicer, extended or renewed on or after January
1, 2016, whether prohibited fees were collected prior to the initial LE being issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Whether any fee is a "bona fide" fee for third-party services

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Whether the loans comply with all federal, state or local laws, constitutional provisions, regulations
or ordinances that are not expressly enumerated above.

**Summary of Results**

**OVERALL RESULTS SUMMARY** 

After giving consideration to the grading criteria of the relevant NRSROs, 100% of the loans received a grade "B" or higher with 84.62% of the pool receiving an Overall "A" grade.

**Final Loan Grades**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Rating Agency Final Overall Grade Summary** | &nbsp;&nbsp;**Rating Agency Final Overall Grade Summary** | &nbsp;&nbsp;**Rating Agency Final Overall Grade Summary** |
| &nbsp;&nbsp;**Overall** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;11 | &nbsp;&nbsp;84.62% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;15.38% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.0% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.0% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**13** | &nbsp;&nbsp;**100.0%** |

---

![](ex995001.jpg)

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;11 | &nbsp;&nbsp;84.62% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;15.38% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.0% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.0% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**13** | &nbsp;&nbsp;**100.0%** |
| &nbsp;&nbsp;**Final Property Grade Summary<sup>1</sup>** | &nbsp;&nbsp;**Final Property Grade Summary<sup>1</sup>** | &nbsp;&nbsp;**Final Property Grade Summary<sup>1</sup>** |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;11 | &nbsp;&nbsp;84.62% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.0% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.0% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.0% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;2 | &nbsp;&nbsp;15.38% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**13** | &nbsp;&nbsp;**100.0%** |
| &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;13 | &nbsp;&nbsp;100.0% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.0% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.0% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.0% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**13** | &nbsp;&nbsp;**100.0%** |

---

**Exception Category Summary**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**Exception Level Grade** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Borrower 1 Credit Report is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Condo - HOA Dues | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;DTI - Missing Debts/ DTI Exceeds Tolerance | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;FEMA Declared Disaster Area Post Closing Review | &nbsp;&nbsp;1 |

---

<sup>1</sup> There are 2 loans with grade of N/A due to no secondary valuation review product provided nor required.

![](ex995001.jpg)

---

| | | |
|:---|:---|:---|
|  | &nbsp;&nbsp;Fraud Report Shows Uncleared Alerts | &nbsp;&nbsp;3 |
|  | &nbsp;&nbsp;Hazard Insurance Coverage Amount is less than Required Coverage Amount | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Liabilities - REO | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;Missing Business Purpose Affidavit | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Missing VOM or VOR | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;4 |
|  | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions*** | &nbsp;&nbsp;***16*** |
| &nbsp;&nbsp;**Credit** &nbsp;&nbsp;**B** | &nbsp;&nbsp;Program Parameters - Guidelines Conformity | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions*** | &nbsp;&nbsp;***2*** |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;Missing Doc - 3rd Party Valuation Product/Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;No Property Findings | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;Value - Value is supported within -10% of original appraisal amount | &nbsp;&nbsp;11 |
|  | &nbsp;&nbsp;***Total Property Grade (A) Exceptions*** | &nbsp;&nbsp;***13*** |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;Federal - Escrow Account Required (First Lien HPML)(06/2013) | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;Missing Deed of Trust Riders | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;No Compliance Tests Performed | &nbsp;&nbsp;4 |
|  | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions*** | &nbsp;&nbsp;***14*** |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

As part of the Credit, Property and Compliance Reviews, MaxDiligence captured data from the source documents and compared it to a data tape provided by Client. MaxDiligence provided Client a Data Discrepancy Report which shows the differences between the tape data and the data captured by MaxDiligence during the diligence process.

Of the 13 mortgage loans reviewed, 8 unique mortgage loans (by loan count) had a total of 14 different tape discrepancies across 8 data fields (some mortgage loans may have had more than one). A blank or zero value on the data tape when an actual value was captured by MaxDiligence was not treated as a data variance.

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**% Variance** |
| &nbsp;&nbsp;CLTV | &nbsp;&nbsp;4 | &nbsp;&nbsp;7 | &nbsp;&nbsp;57.14% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;1 | &nbsp;&nbsp;6 | &nbsp;&nbsp;16.67% |
| &nbsp;&nbsp;Hazard Premium | &nbsp;&nbsp;1 | &nbsp;&nbsp;6 | &nbsp;&nbsp;16.67% |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;2 | &nbsp;&nbsp;6 | &nbsp;&nbsp;33.33% |
| &nbsp;&nbsp;Originator QM Status | &nbsp;&nbsp;2 | &nbsp;&nbsp;6 | &nbsp;&nbsp;33.33% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;13 | &nbsp;&nbsp;7.69% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;2 | &nbsp;&nbsp;6 | &nbsp;&nbsp;33.33% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;1 | &nbsp;&nbsp;6 | &nbsp;&nbsp;16.67% |

---

![](ex995001.jpg)

**Event Grade Definitions**

---

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

---

---

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

---

---

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

---

![](ex995001.jpg)

---

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

---

## Exhibit 99.5

[VISTA POINT ASSETS LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.5 - Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Last Name** | **Property State** | **Occupancy** | **Purpose** | **Originator QM Status** | **TPR QM Status** | **Exception ID** | **Exception Number** | **Exception Date** | **Exception Type** | **Exception Subcategory** | **Exception** | **Exception Remedy** | **Rebuttal** | **TPR Response** | **Compensating Factors** | **Status Update Date** | **Finding Status** | **Initial Exception Grade** | **Final Exception Grade** | **Initial Loan Grade** | **Final Loan Grade** |
| 58360429 |  |  | XXXXXX | XXXXXX | XXXXXX | CA | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 4691788 | 1 of 6 | 2025-07-07 17:13 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-07-07 17:13 | Cleared | 1 | 1 | 3 | 1 |
| 58360429 |  |  | XXXXXX | XXXXXX | XXXXXX | CA | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 4750403 | 2 of 6 | 2025-07-09 16:07 | Credit | Missing XXXXXX or XXXXXX | (XXXXXX)/(XXXXXX) Document is Missing. A mortgage statement was provided for the property located at XXXXXX (Subject property) but no payment history was found in the loan documents including the credit report. No XXXXXX for XXXXXX property XXXXXX.<br> Per guidelines-Cash-out - XXXXXX months current senior lien reporting on credit report, OR one of the following:<br> - XXXXXX from an institutional lender.<br> - Legally inherited property supported by cancelled checks to senior lien <br>|  | Document Uploaded. - 07/18/2025<br>| documentation meet requirements - 07/18/2025<br> (XXXXXX)/(XXXXXX) Document is not Missing - 07/18/2025 |  | 2025-07-18 16:08 | Resolved | 3 | 1 | 3 | 1 |
| 58360429 |  |  | XXXXXX | XXXXXX | XXXXXX | CA | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 4751064 | 3 of 6 | 2025-07-09 16:41 | Credit | Fraud Report Shows Uncleared Alerts | XXXXXX shows uncleared alerts. The fraud report shows high alerts and does not reflect clearance of these alerts nor could a processor cert be located to show the clearance. No other documents could be found to support the clearance of these alerts. <br>|  | Document Uploaded. - 07/15/2025<br>| documentation meet requirements - 07/15/2025<br>|  | 2025-07-15 15:41 | Resolved | 3 | 1 | 3 | 1 |
| 58360429 |  |  | XXXXXX | XXXXXX | XXXXXX | CA | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 4751109 | 4 of 6 | 2025-07-09 16:43 | Property | Value - Value is supported within XXXXXX% of original appraisal amount | The appraised value was supported within XXXXXX% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-07-09 16:43 | Cleared | 1 | 1 | 3 | 1 |
| 58360429 |  |  | XXXXXX | XXXXXX | XXXXXX | CA | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 4763461 | 5 of 6 | 2025-07XXXXXX 13:18 | Credit | XXXXXX - Missing Debts/ XXXXXX Exceeds Tolerance | The XXXXXX did not reflect all of the borrower's debts resulting in a XXXXXX that exceeds allowable tolerances. There is a property located on the application for XXXXXX with XXXXXX mortgages and additional expenses (tax, insurance, XXXXXX, etc). It appears that none of the costs for this property were included in the XXXXXX. No documentation was found to support why this property/expenses were not included in the XXXXXX. <br>|  | Document Uploaded. The XXXXXX property is owned by a business entity who pays the monthly XXXXXX. There was an intention to refinance the mortgage into a new XXXXXX and XXXXXX but changed their minds. - 07/18/2025 | documentation meet requirements - 07/18/2025<br>|  | 2025-07-18 16:05 | Resolved | 3 | 1 | 3 | 1 |
| 58360429 |  |  | XXXXXX | XXXXXX | XXXXXX | CA | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 4763521 | 6 of 6 | 2025-07XXXXXX 13:24 | Credit | Liabilities - XXXXXX | The loan file did not contain sufficient documentation to verify debts associated with all other properties. There is a property located on the application for XXXXXX with XXXXXX mortgages and additional expenses (tax, insurance, XXXXXX, etc). No documentation in file to validate XXXXXX property listed. <br>|  | Document Uploaded. The XXXXXX property is owned by a business entity who pays the monthly XXXXXX. There was an intention to refinance the mortgage into a new XXXXXX and XXXXXX but changed their minds. - 07/18/2025 | documentation meet requirements - 07/18/2025<br>|  | 2025-07-18 16:08 | Resolved | 3 | 1 | 3 | 1 |
| 52567416 |  |  | XXXXXX | XXXXXX | XXXXXX | CA | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | 4574025 | 1 of 3 | 2025-06-26 17:02 | Property | Value - Value is supported within XXXXXX% of original appraisal amount | The appraised value was supported within XXXXXX% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-06-26 17:02 | Cleared | 1 | 1 | 1 | 1 |
| 52567416 |  |  | XXXXXX | XXXXXX | XXXXXX | CA | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | 4576719 | 2 of 3 | 2025-06-26 19:25 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-06-26 19:25 | Cleared | 1 | 1 | 1 | 1 |
| 52567416 |  |  | XXXXXX | XXXXXX | XXXXXX | CA | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | 4577786 | 3 of 3 | 2025-06-26 20:28 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-06-26 20:28 | Cleared | 1 | 1 | 1 | 1 |
| 55108182 |  |  | XXXXXX | XXXXXX | XXXXXX | CA | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 4471489 | 1 of 4 | 2025-06-17 15:05 | Compliance | Federal - Escrow Account Required (First Lien XXXXXX)(06/2013) | You submitted no impound amounts for property insurance on this XXXXXX loan. XXXXXX prohibits a lender from making a first lien higher priced mortgage loan unless an escrow account is established before consummation for payment of property taxes and premiums for mortgage-related insurance. A creditor or servicer may not cancel the escrow account until the earlier of: (XXXXXX) termination of the underlying debt obligation or (XXXXXX) XXXXXX years after consummation, if the unpaid principal balance is less than XXXXXX% of the original value of the property and the consumer is not delinquent or in default on the underlying debt obligation. (XXXXXX) . <br>|  | Document Uploaded. This is for a XXXXXX Mortgage. The attached XXXXXX Mortgage statement reflects an escrow account which includes taxes and insurance. - 06/27/2025 | Escrow account on current XXXXXX mortgage - 06/30/2025 |  | 2025-06-30 21:30 | Resolved | 3 | 1 | 3 | 1 |
| 55108182 |  |  | XXXXXX | XXXXXX | XXXXXX | CA | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 4471490 | 2 of 4 | 2025-06-17 15:05 | Compliance | Federal - Escrow Account Required (First Lien XXXXXX)(06/2013) | You submitted no impound amounts for property insurance on this XXXXXX loan. XXXXXX prohibits a lender from making a first lien higher priced mortgage loan unless an escrow account is established before consummation for payment of property taxes and premiums for mortgage-related insurance. A creditor or servicer may not cancel the escrow account until the earlier of: (XXXXXX) termination of the underlying debt obligation or (XXXXXX) XXXXXX years after consummation, if the unpaid principal balance is less than XXXXXX% of the original value of the property and the consumer is not delinquent or in default on the underlying debt obligation. (XXXXXX) . <br>|  | Document Uploaded. This is for a XXXXXX Mortgage. The attached XXXXXX Mortgage statement reflects an escrow account which includes taxes and insurance. - 06/27/2025 | Escrow account on current XXXXXX mortgage - 06/30/2025 |  | 2025-06-30 21:30 | Resolved | 3 | 1 | 3 | 1 |
| 55108182 |  |  | XXXXXX | XXXXXX | XXXXXX | CA | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 4533192 | 3 of 4 | 2025-06-23 19:55 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-06-23 19:55 | Cleared | 1 | 1 | 3 | 1 |
| 55108182 |  |  | XXXXXX | XXXXXX | XXXXXX | CA | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 4533195 | 4 of 4 | 2025-06-23 19:55 | Property | Value - Value is supported within XXXXXX% of original appraisal amount | The appraised value was supported within XXXXXX% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-06-23 19:55 | Cleared | 1 | 1 | 3 | 1 |
| 55333364 |  |  | XXXXXX | XXXXXX | XXXXXX | CA | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 4603870 | 1 of 3 | 2025-06-30 16:28 | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. An exception was requested for a borrower's business license not being present however, an XXXXXX was provided. This is a XXXXXX program which requires a business license. What looks to be an exception from was found but does not reflect a signature representing an approval. <br>|  | Document Uploaded. With XXXXXX, the email is the XXXXXX. - 07/02/2025 <br> Document Uploaded. - 07/01/2025 | Received email stating "Based on the specs provided and the compensating factors, this scenario would be eligible for exception consideration with XXXXXX ". This in in response to the request for approval of 'attached' exception form. The exception form and formal approval has not been provided. - 07/02/2025 | Compensating factors provided as XXXXXX years of self-employment, Over XXXXXX years at current residence with no mortgage late payments, XXXXXX is under XXXXXX%, and there are XXXXXX months reserves based on funds received from transaction. | 2025-07-03 16:37 | Waived | 3 | 2 | 3 | 2 |
| 55333364 |  |  | XXXXXX | XXXXXX | XXXXXX | CA | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 4604853 | 2 of 3 | 2025-06-30 17:24 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-06-30 17:24 | Cleared | 1 | 1 | 3 | 2 |
| 55333364 |  |  | XXXXXX | XXXXXX | XXXXXX | CA | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 4605666 | 3 of 3 | 2025-06-30 18:07 | Property | Value - Value is supported within XXXXXX% of original appraisal amount | The appraised value was supported within XXXXXX% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-06-30 18:07 | Cleared | 1 | 1 | 3 | 2 |
| 58111994 |  |  | XXXXXX | XXXXXX | XXXXXX | NV | Second Home | Refinance | QM: Safe Harbor APOR (APOR SH) | Non-QM: Lender documented all ATR UW factors | 4791583 | 1 of 3 | 2025-07-11 19:31 | Compliance | Missing Deed of Trust Riders | The XXXXXX is missing for the Mortgage.  |  | Document Uploaded. Please disregard previous upload and comments. The complete certified copy of the Deed of Trust was uploaded. There is a XXXXXX and the vesting is under this XXXXXX. - 07/18/2025 <br> Document Uploaded. Please disregard previous upload and comments. The complete certified copy of the Deed of Trust was uploaded. There is a XXXXXX and the vesting is under this XXXXXX. - 07/18/2025 <br> Document Uploaded. The vesting is under the XXXXXX name and there is no XXXXXX. - 07/18/2025 | Received XXXXXX. Finding resolved - 07/18/2025 |  | 2025-07-18 13:29 | Resolved | 3 | 1 | 3 | 1 |
| 58111994 |  |  | XXXXXX | XXXXXX | XXXXXX | NV | Second Home | Refinance | QM: Safe Harbor APOR (APOR SH) | Non-QM: Lender documented all ATR UW factors | 4832539 | 2 of 3 | 2025-07-16 12:40 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-07-16 12:40 | Cleared | 1 | 1 | 3 | 1 |
| 58111994 |  |  | XXXXXX | XXXXXX | XXXXXX | NV | Second Home | Refinance | QM: Safe Harbor APOR (APOR SH) | Non-QM: Lender documented all ATR UW factors | 4832540 | 3 of 3 | 2025-07-16 12:40 | Property | Value - Value is supported within XXXXXX% of original appraisal amount | The appraised value was supported within XXXXXX% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-07-16 12:40 | Cleared | 1 | 1 | 3 | 1 |
| 57733681 |  |  | XXXXXX | XXXXXX | XXXXXX | CA | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 4948623 | 1 of 3 | 2025-07-25 15:57 | Credit | Borrower 1 Credit Report is Missing | Borrower XXXXXX credit report is missing. Unable to locate the credit report and gap report. <br>|  | Document Uploaded. - 07/30/2025<br>| Received the credit report and gap reports with no issues noted. - 08/04/2025<br>|  | 2025-08-04 23:05 | Resolved | 4 | 1 | 4 | 1 |
| 57733681 |  |  | XXXXXX | XXXXXX | XXXXXX | CA | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 4949548 | 2 of 3 | 2025-07-25 16:38 | Property | Value - Value is supported within XXXXXX% of original appraisal amount | The appraised value was supported within XXXXXX% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-07-25 16:38 | Cleared | 1 | 1 | 4 | 1 |
| 57733681 |  |  | XXXXXX | XXXXXX | XXXXXX | CA | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 4950254 | 3 of 3 | 2025-07-25 17:13 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-07-25 17:13 | Cleared | 1 | 1 | 4 | 1 |
| 57887194 |  |  | XXXXXX | XXXXXX | XXXXXX | CA | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 5299956 | 1 of 7 | 2025-08-25 14:46 | Compliance | No Compliance Tests Performed | XXXXXX /XXXXXX loans are exempt from XXXXXX and XXXXXX.  |  |  |  |  | 2025-08-25 14:46 | Cleared | 1 | 1 | 3 | 2 |
| 57887194 |  |  | XXXXXX | XXXXXX | XXXXXX | CA | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 5303515 | 2 of 7 | 2025-08-25 17:02 | Credit | XXXXXX Declared Disaster Area Post Closing Review | The property inspection was completed on XXXXXX. A fire was identified in the XXXXXX area on XXXXXX. Please provide disaster inspection. The subject property was located in a XXXXXX declared disaster area. Post closing property inspection report required. <br>|  | Document Uploaded. XXXXXX was included in the XXXXXX XXXXXX and has an end date of XXXXXX. Our appraisal report is dated XXXXXX.<br> XXXXXX is not included in the XXXXXX XXXXXX. XXXXXX has not declared this fire as a 'XXXXXX'. - 08/28/2025 | Added in error; confirmed not affected by XXXXXX - 09/04/2025<br>Documentation provided is sufficient. - 08/28/2025<br>|  | 2025-09-04 21:35 | Void | 3 |  | 3 | 2 |
| 57887194 |  |  | XXXXXX | XXXXXX | XXXXXX | CA | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 5304119 | 3 of 7 | 2025-08-25 17:27 | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. A formal exception is located in the loan file for a confidence score of XXXXXX%; which is less than the XXXXXX% required for XXXXXX's. <br>|  |  |  | The exception was approved due to a XXXXXX of XXXXXX% using XXXXXX Value. | 2025-08-25 18:01 | Waived | 2 | 2 | 3 | 2 |
| 57887194 |  |  | XXXXXX | XXXXXX | XXXXXX | CA | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 5305895 | 4 of 7 | 2025-08-25 18:44 | Credit | Fraud Report Shows Uncleared Alerts | XXXXXX shows uncleared alerts.  |  | Document Uploaded. - 08/28/2025<br>| Documentation provided is sufficient. - 08/28/2025<br> All XXXXXX have been cleared or None Exist - 08/28/2025 |  | 2025-08-28 13:53 | Resolved | 3 | 1 | 3 | 2 |
| 57887194 |  |  | XXXXXX | XXXXXX | XXXXXX | CA | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 5306798 | 5 of 7 | 2025-08-25 19:23 | Credit | Missing Business Purpose Affidavit | File is missing statement of business purpose. <br>|  | Document Uploaded. - 08/28/2025<br>| Documentation provided is sufficient. - 08/28/2025<br>|  | 2025-08-28 13:53 | Resolved | 3 | 1 | 3 | 2 |
| 57887194 |  |  | XXXXXX | XXXXXX | XXXXXX | CA | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 5306822 | 6 of 7 | 2025-08-25 19:25 | Property | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required XXXXXX product. Per the guidelines the XXXXXX vendor, XXXXXX was not an approved vendor. Please provide XXXXXX with condition report from an approved provider as per guidelines. <br>|  | XXXXXX is not the vendor. XXXXXX is the vendor and is approved. Please see Page XXXXXX of the XXXXXX Report. - 08/29/2025 <br> Document Uploaded. - 08/28/2025 | Explanation provided is sufficient. - 08/29/2025<br>To clarify, per the guidelines, XXXXXX vendor is not an approved source. - 08/28/2025<br>|  | 2025-08-29 19:39 | Resolved | 3 | 1 | 3 | 2 |
| 57887194 |  |  | XXXXXX | XXXXXX | XXXXXX | CA | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 5306842 | 7 of 7 | 2025-08-25 19:26 | Credit | Condo - XXXXXX Dues | The file does not contain documentation supporting the XXXXXX/XXXXXX dues. Please provide documentation to support XXXXXX fees of $XXXXXX per month as per lender qualification. <br>|  | Document Uploaded. - 08/28/2025<br>| Documentation provided is sufficient. - 08/28/2025<br>|  | 2025-08-28 13:55 | Resolved | 3 | 1 | 3 | 2 |
| 58350899 |  |  | XXXXXX | XXXXXX | XXXXXX | CA | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5144707 | 1 of 3 | 2025-08-12 14:28 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-08-12 14:28 | Cleared | 1 | 1 | 3 | 1 |
| 58350899 |  |  | XXXXXX | XXXXXX | XXXXXX | CA | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5148724 | 2 of 3 | 2025-08-12 17:27 | Credit | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Coverage Amount - Hazard insurance amount is less than required coverage amount. Coverage is $XXXXXX and XXXXXX coverage is $XXXXXX. <br>|  | Document Uploaded. Evidence of Insurance reflects XXXXXX coverage. Also, we have over XXXXXX% of the loan amount (XXXXXX and XXXXXX lien) in coverage which meets XXXXXX requirements. - 08/14/2025 | Documentation provided is sufficient. - 08/14/2025<br>|  | 2025-08-14 15:17 | Resolved | 3 | 1 | 3 | 1 |
| 58350899 |  |  | XXXXXX | XXXXXX | XXXXXX | CA | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5149288 | 3 of 3 | 2025-08-12 17:49 | Property | Value - Value is supported within XXXXXX% of original appraisal amount | The appraised value was supported within XXXXXX% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-08-12 17:49 | Cleared | 1 | 1 | 3 | 1 |
| 58282540 |  |  | XXXXXX | XXXXXX | XXXXXX | CA | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 5178942 | 1 of 3 | 2025-08-14 16:20 | Compliance | No Compliance Tests Performed | XXXXXX /XXXXXX loans are exempt from XXXXXX and XXXXXX.  |  |  |  |  | 2025-08-14 16:20 | Cleared | 1 | 1 | 3 | 1 |
| 58282540 |  |  | XXXXXX | XXXXXX | XXXXXX | CA | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 5191994 | 2 of 3 | 2025-08-15 14:25 | Credit | XXXXXX Declared Disaster Area Post Closing Review | The subject property was located in a XXXXXX declared disaster area. Post closing property inspection report required.  |  | Document Uploaded. Subject property XXXXXX XXXXXX is not designated as a XXXXXX XXXXXX for the recent storms and wildfires. Regardless, the XXXXXX XXXXXX is XXXXXX. Appraisal Report is dated XXXXXX. - 08/15/2025 | Documentation provided is sufficient. - 08/18/2025<br>No - 08/18/2025<br>|  | 2025-08-25 21:55 | Resolved | 3 | 1 | 3 | 1 |
| 58282540 |  |  | XXXXXX | XXXXXX | XXXXXX | CA | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 5191996 | 3 of 3 | 2025-08-15 14:26 | Property | Value - Value is supported within XXXXXX% of original appraisal amount | The appraised value was supported within XXXXXX% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-08-15 14:26 | Cleared | 1 | 1 | 3 | 1 |
| 51117472 |  |  | XXXXXX | XXXXXX | XXXXXX | CA | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5356110 | 1 of 3 | 2025-08-29 00:34 | Credit | Approval/Underwriting Summary Not Provided | The loan did not contain the Approval/Underwriting Summary.  |  | Document Uploaded. - 08/29/2025<br>| added in error - 09/04/2025<br>|  | 2025-09-04 21:56 | Void | 3 |  | 3 | 1 |
| 51117472 |  |  | XXXXXX | XXXXXX | XXXXXX | CA | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5361947 | 2 of 3 | 2025-08-29 15:24 | Property | No Property Findings | Loan meets applicable appraisal guidelines. <br>|  |  |  |  | 2025-08-29 15:24 | Cleared | 1 | 1 | 3 | 1 |
| 51117472 |  |  | XXXXXX | XXXXXX | XXXXXX | CA | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5364023 | 3 of 3 | 2025-08-29 17:19 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-08-29 17:19 | Cleared | 1 | 1 | 3 | 1 |
| 51393407 |  |  | XXXXXX | XXXXXX | XXXXXX | CA | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 5262551 | 1 of 3 | 2025-08-21 12:54 | Compliance | No Compliance Tests Performed | XXXXXX /XXXXXX loans are exempt from XXXXXX and XXXXXX.  |  |  |  |  | 2025-08-21 12:54 | Cleared | 1 | 1 | 1 | 1 |
| 51393407 |  |  | XXXXXX | XXXXXX | XXXXXX | CA | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 5284314 | 2 of 3 | 2025-08-22 16:47 | Property | Value - Value is supported within XXXXXX% of original appraisal amount | The appraised value was supported within XXXXXX% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-08-22 16:47 | Cleared | 1 | 1 | 1 | 1 |
| 51393407 |  |  | XXXXXX | XXXXXX | XXXXXX | CA | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 5284327 | 3 of 3 | 2025-08-22 16:47 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-08-22 16:47 | Cleared | 1 | 1 | 1 | 1 |
| 58469309 |  |  | XXXXXX | XXXXXX | XXXXXX | NH | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 5350767 | 1 of 3 | 2025-08-28 18:05 | Compliance | No Compliance Tests Performed | XXXXXX /XXXXXX loans are exempt from XXXXXX and XXXXXX.  |  |  |  |  | 2025-08-28 18:05 | Cleared | 1 | 1 | 3 | 1 |
| 58469309 |  |  | XXXXXX | XXXXXX | XXXXXX | NH | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 5364603 | 2 of 3 | 2025-08-29 17:58 | Credit | Liabilities - XXXXXX | The loan file did not contain sufficient documentation to verify debts associated with all other properties. The borrower's rental property located at XXXXXX has a new XXXXXX lien mortgage with XXXXXX #XXXXXX. Provide the mortgage statement or settlement statement to verify the terms of the aforementioned loan. <br>|  | Document Uploaded. - 09/02/2025<br>| Documentation provided is sufficient. - 09/03/2025<br>|  | 2025-09-03 14:42 | Resolved | 3 | 1 | 3 | 1 |
| 58469309 |  |  | XXXXXX | XXXXXX | XXXXXX | NH | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 5364611 | 3 of 3 | 2025-08-29 17:58 | Property | Value - Value is supported within XXXXXX% of original appraisal amount | The appraised value was supported within XXXXXX% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-08-29 17:58 | Cleared | 1 | 1 | 3 | 1 |
| 54815178 |  |  | XXXXXX | XXXXXX | XXXXXX | GA | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5490705 | 1 of 3 | 2025-09XXXXXX 20:08 | Credit | Fraud Report Shows Uncleared Alerts | XXXXXX shows uncleared alerts.  |  | Document Uploaded. - 09/12/2025<br>| Documentation provided is sufficient. - 09/15/2025<br> All XXXXXX have been cleared or None Exist - 09/15/2025 |  | 2025-09-15 12:57 | Resolved | 3 | 1 | 3 | 1 |
| 54815178 |  |  | XXXXXX | XXXXXX | XXXXXX | GA | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5490715 | 2 of 3 | 2025-09XXXXXX 20:08 | Property | Value - Value is supported within XXXXXX% of original appraisal amount | The appraised value was supported within XXXXXX% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-09XXXXXX 20:08 | Cleared | 1 | 1 | 3 | 1 |
| 54815178 |  |  | XXXXXX | XXXXXX | XXXXXX | GA | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5491387 | 3 of 3 | 2025-09XXXXXX 20:41 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-09XXXXXX 20:41 | Cleared | 1 | 1 | 3 | 1 |

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## Exhibit 99.5

[VISTA POINT ASSETS LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.5 - Schedule 2**

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| ![Picture](ex99-5s2_image001.jpg) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Client | Vista Point |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Transaction | VSTA 2025-CES3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Date | 10/13/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Initial Loan Rating** | **Final Loan Rating** | **Initial Credit Rating** | **Final Credit Rating** | **Initial Compliance Rating** | **Final Compliance Rating** | **Initial Valuation Rating** | **Final Valuation Rating** | **Initial Loan Grade (S&P)** | **Final Loan Grade (S&P)** | **Initial Credit Grade (S&P)** | **Final Credit Grade (S&P)** | **Initial Compliance Grade (S&P)** | **Final Compliance Grade (S&P)** | **Initial Valuation Grade (S&P)** | **Final Valuation Grade (S&P)** | **Initial Loan Grade (DBRS Morningstar)** | **Final Loan Grade (DBRS Morningstar)** | **Initial Credit Grade (DBRS Morningstar)** | **Final Credit Grade (DBRS Morningstar)** | **Initial Compliance Grade (DBRS Morningstar)** | **Final Compliance Grade (DBRS Morningstar)** | **Initial Valuation Grade (DBRS Morningstar)** | **Final Valuation Grade (DBRS Morningstar)** | **Initial Loan Grade (Fitch)** | **Final Loan Grade (Fitch)** | **Initial Credit Grade (Fitch)** | **Final Credit Grade (Fitch)** | **Initial Compliance Grade (Fitch)** | **Final Compliance Grade (Fitch)** | **Initial Valuation Grade (Fitch)** | **Final Valuation Grade (Fitch)** | **Initial Loan Grade (Kroll)** | **Final Loan Grade (Kroll)** | **Initial Credit Grade (Kroll)** | **Final Credit Grade (Kroll)** | **Initial Compliance Grade (Kroll)** | **Final Compliance Grade (Kroll)** | **Initial Valuation Grade (Kroll)** | **Final Valuation Grade (Kroll)** | **Initial Loan Grade (Moody's)** | **Final Loan Grade (Moody's)** | **Initial Credit Grade (Moody's)** | **Final Credit Grade (Moody's)** | **Initial Compliance Grade (Moody's)** | **Final Compliance Grade (Moody's)** | **Initial Valuation Grade (Moody's)** | **Final Valuation Grade (Moody's)** |
| 58360429 |  |  | XXXXXX | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| 52567416 |  |  | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 55108182 |  |  | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A |
| 55333364 |  |  | XXXXXX | XXXXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A |
| 58111994 |  |  | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A |
| 57733681 |  |  | XXXXXX | XXXXXX | 4 | 1 | 4 | 1 | 1 | 1 | 1 | 1 | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A |
| 57887194 |  |  | XXXXXX | XXXXXX | 3 | 2 | 3 | 2 | 1 | 1 | 3 | 1 | C | C | C | B | A | A | C | C | C | B | C | B | A | A | N/A | N/A | C | B | C | B | A | A | C | A | C | B | C | B | A | A | N/A | N/A | C | B | C | B | A | A | N/A | N/A |
| 58350899 |  |  | XXXXXX | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| 58282540 |  |  | XXXXXX | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| 51117472 |  |  | XXXXXX | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | C | A | A | A | A | C | C | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |
| 51393407 |  |  | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 58469309 |  |  | XXXXXX | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| 54815178 |  |  | XXXXXX | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |

---

## Exhibit 99.5

[VISTA POINT ASSETS LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.5 - Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| 58360429 |  |  | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 22.62 | 75.0 | XXXXXX | XXXXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | .0000 | XXXXXX | Low Risk | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 52567416 |  |  | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 9.38 | 49.63 | XXXXXX | XXXXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | .0000 | XXXXXX | Low Risk | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XXXXXX |
| 55108182 |  |  | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 14.49 | 58.48 | XXXXXX | XXXXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXXXX |
| 55333364 |  |  | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 11.48 | 79.66 | XXXXXX | XXXXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XXXXXX |
| 58111994 |  |  | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 31.15 | 68.4 | XXXXXX | XXXXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXXXX |
| 57733681 |  |  | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 9.84 | 49.63 | XXXXXX | XXXXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | .0000 | XXXXXX | LOW RISK | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXXXX |
| 57887194 |  |  | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | AVM | XXXXXX | 13.94 | 64.65 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  |  | 89 | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 58350899 |  |  | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 8.91 | 60.03 | XXXXXX | XXXXXX | .1517 | 1004 URAR |  |  |  |  | XXXXXX | XXXXXX | .1517 | XXXXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | XXXXXX |
| 58282540 |  |  | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1025 Small Residential Income Report | XXXXXX | 21.53 | 64.59 | XXXXXX | XXXXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | .0000 | XXXXXX | LOW RISK | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 51117472 |  |  | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | AVM | XXXXXX | 13.11 | 84.44 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  |  | 93 | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 51393407 |  |  | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 9.79 | 66.52 | XXXXXX | XXXXXX | -.0099 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXXXX |
| 58469309 |  |  | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1025 Small Residential Income Report | XXXXXX | 26.6 | 69.69 | XXXXXX | XXXXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | .0000 | XXXXXX | MODERATE RISK | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 54815178 |  |  | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 40.16 | 72.72 | XXXXXX | XXXXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | .0000 | XXXXXX | LOW RISK | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.5

[VISTA POINT ASSETS LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.5 - Schedule 4**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 58360429 |  |  | XXXXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXXXX | XXXXXX | XXXXXX |
| 55108182 |  |  | XXXXXX | Qualifying CLTV | propertyValuationPage | XXXXXX | XXXXXX | XXXXXX |
| 55333364 |  |  | XXXXXX | Lien Position | TitlePage | XXXXXX | XXXXXX | XXXXXX |
| 55333364 |  |  | XXXXXX | Originator QM Status | diligenceFinalLookPage | XXXXXX | XXXXXX | XXXXXX |
| 55333364 |  |  | XXXXXX | Calculated DSCR | diligenceFinalLookPage | XXXXXX | XXXXXX | XXXXXX |
| 57733681 |  |  | XXXXXX | Qualifying CLTV | propertyValuationPage | XXXXXX | XXXXXX | XXXXXX |
| 57733681 |  |  | XXXXXX | Lien Position | TitlePage | XXXXXX | XXXXXX | XXXXXX |
| 57733681 |  |  | XXXXXX | Originator QM Status | diligenceFinalLookPage | XXXXXX | XXXXXX | XXXXXX |
| 57887194 |  |  | XXXXXX | CLTV | propertyValuationPage | XXXXXX | XXXXXX | XXXXXX |
| 58350899 |  |  | XXXXXX | CLTV | propertyValuationPage | XXXXXX | XXXXXX | XXXXXX |
| 58350899 |  |  | XXXXXX | Hazard Premium | propertyInsurancePage | XXXXXX | XXXXXX | XXXXXX |
| 51117472 |  |  | XXXXXX | CLTV | propertyValuationPage | XXXXXX | XXXXXX | XXXXXX |
| 51117472 |  |  | XXXXXX | Primary Appraised Property Value | propertyValuationPage | XXXXXX | XXXXXX | XXXXXX |
| 54815178 |  |  | XXXXXX | CLTV | propertyValuationPage | XXXXXX | XXXXXX | XXXXXX |

---

## Exhibit 99.5

[VISTA POINT ASSETS LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.5 - Schedule 5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 209 | 210 | 211 | 212 | 213 | 214 | 215 | 216 | 217 | 218 | 219 | 220 | 221 | 222 | 223 | 224 | 225 | 226 | 227 | 228 | 229 | 230 | 231 | 232 | 233 | 234 | 235 | 236 | 237 | 238 | 239 | 240 | 241 | 242 | 243 | 244 | 245 | 246 | 247 | 248 | 249 | 250 | 251 | 252 | 253 | 254 | 255 | 256 | 257 | 258 | 259 | 260 | 261 | 262 | 263 | 264 | 265 | 266 | 267 | 268 | 269 | 270 | 271 | 272 | 273 | 274 | 275 | 276 | 278 | 279 | 280 | 281 | 282 | 283 | 284 | 285 | 286 | 287 | 288 | 289 | 290 | 291 | 292 | 293 | 294 | 295 | 296 | 297 | 298 | 299 | 300 | 301 | 302 | 303 | 304 | 305 | 306 | 307 | 308 | 309 | 310 | 311 | 312 | 313 | 314 |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Questionnaire Flag** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Borrower Months of Paystubs Verified** | **Co Borrower Months of Paystubs Verified** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **Borrower CPA Letter Flag** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower WVOE Flag** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Co Borrower 2 FICO** | **Most Recent Co Borrower 3 FICO** | **Updated Credit Report Flag** | **Updated Credit Report Date** | **Updated FICO Method** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Updated Primary Borrower FICO** | **Updated Co Borrower FICO** | **Updated Co Borrower 2 FICO** | **Updated Co Borrower 3 FICO** | **Updated Qualifying FICO** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Lates 30d in 0-12m** | **Prior Mortgage/Rent Lates 60d in 0-12m** | **Prior Mortgage/Rent Lates 90d in 0-12m** | **Prior Mortgage/Rent Lates 120d+ in 0-12m** | **Prior Mortgage/Rent Lates 30d in 13-24m** | **Prior Mortgage/Rent Lates 60d in 13-24m** | **Prior Mortgage/Rent Lates 90d in 13-24m** | **Prior Mortgage/Rent Lates 120d+ in 13-24m** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Subordinate Lien Max Draw Amount (HELOC)** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Leasehold Lease Expiration Date** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves (ASF)** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **E-Note Flag** | **O&E in lieu of Title Insurance** | **Business Purpose Flag** | **Borrower Note Executed As** | **Co Borrower Note Executed As** | **Co Borrower 2 Note Executed As** | **Co Borrower 3 Note Executed As** | **Borrower1 SSN** | **Borrower2 SSN** | **Borrower 3 SSN** | **Borrower 4 SSN** | **First Time Homebuyer** | **Number of Units** | **Maturity Date** | **Note Type** | **Loan Type** | **Refinance Purpose** | **Borrower 1 Mailing Street Address** | **Borrower 1 Mailing City** | **Borrower 1 Mailing State** | **Borrower 1 Mailing Zip Code** | **Borrower 2 Mailing Street Address** | **Borrower 2 Mailing City** | **Borrower 2 Mailing Zip Code** | **Borrower 3 Mailing Street** | **Borrower 3 Mailing City** | **Borrower 3 Mailing State** | **Borrower 3 Mailing Zip** | **Borrower 4 Mailing Street** | **Borrower 4 Mailing City** | **Borrower 4 Mailing Zip** | **Borrower 4 Mailing State** | **Prepay Penalty Calculation Description** | **Borrower 1 First Name** | **Borrower 1 Last Name** | **Borrower 2 First Name** | **Borrower 2 Last Name** | **Borrower 3 First Name** | **Borrower 3 Last Name** | **Borrower 4 First Name** | **Borrower 4 Last Name** | **Borrower 1 Employer** | **Borrower 1 Position** | **Borrower 2 Employer** | **Borrower 2 Position** | **Borrower 3 Employer** | **Borrower 3 Position** | **Borrower 4 Employer** | **Borrower 4 Position** | **First Time Investor** | **Borrower 1 Years in Industry** | **Borrower 2 Years in Industry** | **Borrower 3 Years in Industry** | **Borrower 4 Years in Industry** | **Borrower 1 ITIN** | **Borrower 2 ITIN** | **Borrower 3 ITIN** | **Borrower 4 ITIN** | **Original Appraiser License Number** | **Original Appraiser Name** |
| 58360429 |  |  | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternate Income Documentation | 1790.00 | XXXXXX | 6.930% | Manual Underwriting | Manual Underwriting | No | 10.087% |  | 10.000% | 10.000% | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | N/A |  |  | XXXXXX |  |  | 9.55% | 35.91% | 35.91% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Accountant/Bookkeeper |  |  |  | Yes | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SECorporation, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 | XXXXXX | XXXXXX | CA | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  | 733 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXXXX |  |  | I-151 Permanent Resident Card |  | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXXXX | 0 | XXXXXX | 41.7 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXXXX |  |  |  | false | 1 | XXXXXX | Fixed | Conventional | Cash Out - Other | XXXXXX | XXXXXX | CA | XXXXXX |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXXXX | XXXXXX |  |  |  |  |  |  | XXXXXX | XXXXXX |  |  |  |  |  |  | N/A - Not investment property | 10.00 |  |  |  | N/A |  |  |  | XXXXXX | XXXXXX |
| 52567416 |  |  | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 4977.50 | XXXXXX | 6.930% | Manual Underwriting | Manual Underwriting | No | 8.574% |  | 8.500% | 8.500% | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | N/A |  |  | XXXXXX |  |  | 40.26% | 40.26% | 40.26% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 2 | 2 |  |  | 2 | 2 NA | No | No | 84 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - Asset Depletion, SEPartnership, SEPartnership, SEPartnership, SEPartnership, SESCorp - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1065, 1120S), 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2022, 2024, 2025 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1065, 1120S), 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2022, 2024, 2025 | XXXXXX | XXXXXX | CA | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  | 806 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  | $N/A | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | CA | United States | XXXXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXXXX | 0 | XXXXXX | 25.2 | No | 49.63 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXXXX |  |  |  | false | 1 | XXXXXX | Fixed | Conventional | Cash Out - Other | XXXXXX | XXXXXX | CA | XXXXXX |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXXXX | XXXXXX |  |  |  |  |  |  | XXXXXX | XXXXXX |  |  |  |  |  |  | N/A - Not investment property | 15.00 |  |  |  | N/A |  |  |  | XXXXXX | XXXXXX |
| 55108182 |  |  | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 5397.50 | XXXXXX | 6.930% | Manual Underwriting | Manual Underwriting | No | 9.404% |  | 8.875% | 8.875% | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | N/A |  |  | XXXXXX |  |  | 15.35% | 15.35% | 15.35% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 216 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SECorporation - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | XXXXXX | XXXXXX | CA | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  | 746 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXXXX | 0 | XXXXXX | 36.1 | No | 58.48 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXXXX |  |  |  | false | 1 | XXXXXX | Fixed | Conventional | Cash Out - Other | XXXXXX | XXXXXX | CA | XXXXXX |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXXXX | XXXXXX |  |  |  |  |  |  | XXXXXX | XXXXXX |  |  |  |  |  |  | N/A - Not investment property | 37.00 |  |  |  | N/A |  |  |  | XXXXXX | XXXXXX |
| 55333364 |  |  | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 4340.45 | XXXXXX | 6.920% | Manual Underwriting | Manual Underwriting | No | 11.481% |  | 10.875% | 10.875% | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | N/A |  |  | XXXXXX |  |  | 32.55% | 32.55% | 32.55% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | Accountant/Bookkeeper |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 | XXXXXX | XXXXXX | CA | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  | 729 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXXXX | 0 | XXXXXX | 16.5 | No | 79.66 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXXXX |  |  |  | false | 1 | XXXXXX | Fixed | Conventional | Cash Out - Other | XXXXXX | XXXXXX | CA | XXXXXX |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXXXX | XXXXXX |  |  |  |  |  |  | XXXXXX | XXXXXX |  |  |  |  |  |  | No | 18.00 |  |  |  | N/A |  |  |  | XXXXXX | XXXXXX |
| 58111994 |  |  | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternate Income Documentation | 2662.10 | XXXXXX | 6.880% | Manual Underwriting | Manual Underwriting | No | 9.652% |  | 9.375% | 9.375% | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | N/A | XXXXXX | NV | XXXXXX |  | Monthly | 38.45% | 38.45% | 38.45% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SESCorp, SESCorp, SECorporation, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | XXXXXX | XXXXXX | NV | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  | 754 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | NV | United States | XXXXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXXXX | 0 | XXXXXX | 48.2 | No | 68.4 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXXXX |  |  |  | false | 1 | XXXXXX | Fixed | Conventional | Cash Out - Other | XXXXXX | XXXXXX | NV | XXXXXX |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXXXX | XXXXXX |  |  |  |  |  |  | XXXXXX | XXXXXX |  |  |  |  |  |  | N/A - Not investment property | 30.00 |  |  |  | N/A |  |  |  | XXXXXX | XXXXXX |
| 57733681 |  |  | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternate Income Documentation | 4040.00 | XXXXXX | 6.670% | Manual Underwriting | Manual Underwriting | No | 9.740% |  | 9.375% | 9.375% | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | N/A |  |  | XXXXXX |  |  | 17.33% | 17.33% | 17.33% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | Yes | N/A | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXXXX | XXXXXX | CA | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  | 703 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXXXX | 0 | XXXXXX | 27.1 | No | 49.63 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXXXX |  |  |  | false | 1 | XXXXXX | Fixed | Conventional | Cash Out - Other | XXXXXX | XXXXXX | CA | XXXXXX |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXXXX | XXXXXX |  |  |  |  |  |  | XXXXXX | XXXXXX |  |  |  |  |  |  | No | 25.00 |  |  |  | N/A |  |  |  | XXXXXX | XXXXXX |
| 57887194 |  |  | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $3892.50 | 9.625% | 9.625% | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | CA | XXXXXX |  | Monthly | 44.92% | 44.78% | 44.78% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 NA | No | No | 0 | No | Yes | N/A | 12 | 0 | No |  |  |  | 0.00% | 100.00% |  | Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SESCorp, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, 2 YRS Executed 4506T Verified, Personal Bank Statements Verified - 2025, 2024 | Borrower - 2 YRS Executed 4506T Verified - 2025, 2024 | XXXXXX | XXXXXX | CA | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  | 764 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | CA | United States | XXXXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXXXX | 27.4 | XXXXXX | 56.5 | No | 13.94 | Yes | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXXXX |  |  |  | false | 1 | XXXXXX | Fixed | Conventional | Cash Out - Other | XXXXXX | XXXXXX | CA | XXXXXX |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXXXX | XXXXXX |  |  |  |  |  |  | XXXXXX | XXXXXX |  |  |  |  |  |  |  | 15.00 |  |  |  | N/A |  |  |  | XXXXXX | XXXXXX |
| 58350899 |  |  | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternate Income Documentation | 16490.00 | XXXXXX | 6.790% | Manual Underwriting | Manual Underwriting | No | 8.594% |  | 8.250% | 8.250% | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | N/A |  |  | XXXXXX |  |  | 22.03% | 22.03% | 22.03% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 1 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SECorporation - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXXXX | XXXXXX | CA | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  | 742 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXXXX | 0 | XXXXXX | 16 | No | 60.03 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXXXX |  |  |  | false | 1 | XXXXXX | Fixed | Conventional | Cash Out - Other | XXXXXX | XXXXXX | CA | XXXXXX |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXXXX | XXXXXX |  |  |  |  |  |  | XXXXXX | XXXXXX |  |  |  |  |  |  | N/A - Not investment property | 30.00 |  |  |  | N/A |  |  |  | XXXXXX | XXXXXX |
| 58282540 |  |  | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 9.375% | 9.375% | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | N/A |  |  | XXXXXX |  |  | 41.79% | 41.79% | 41.79% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 | XXXXXX | XXXXXX | CA | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  | 766 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | CA | United States | XXXXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXXXX | 0 | XXXXXX | 29.1 | No | 64.59 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXXXX |  |  |  | false | 4 | XXXXXX | Fixed | Conventional | Cash Out - Other | XXXXXX | XXXXXX | CA | XXXXXX |  |  |  |  |  |  |  |  |  |  |  | 6 Months Interest | XXXXXX | XXXXXX |  |  |  |  |  |  | XXXXXX | XXXXXX |  |  |  |  |  |  | No | 22.00 |  |  |  | N/A |  |  |  | XXXXXX | XXXXXX |
| 51117472 |  |  | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternate Income Documentation | 4458.50 | XXXXXX | 6.750% | Manual Underwriting | Manual Underwriting | No | 10.378% |  | 10.000% | 10.000% | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | N/A |  |  | XXXXXX |  |  | 0.00% | 48.74% | 48.74% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 1 | NA | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 1 NA | No | No | 0 | No | Yes | N/A | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 0 | Yes | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower - SESoleProprietor, SESoleProprietor, SESoleProprietor - CPA Letter Verified, 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, 1 YR IRS Transcripts Verified - 2024 - 2024 | Borrower - 2024, 2025 \|\| Co Borrower - 1 YR IRS Transcripts Verified - 2024 - 2024 | XXXXXX | XXXXXX | CA | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  | 765 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License | CA | United States | XXXXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXXXX | 0 | XXXXXX | 9 | No | 84.44 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXXXX | XXXXXX |  |  | false | 1 | XXXXXX | Fixed | Conventional | Cash Out - Other | XXXXXX | XXXXXX | CA | XXXXXX | XXXXXX | XXXXXX CA | XXXXXX |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  | No | 20.92 |  |  |  | N/A | N/A |  |  | XXXXXX | XXXXXX |
| 51393407 |  |  | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 9.875% | 9.875% | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | N/A | XXXXXX | CA | XXXXXX |  | Monthly | 39.19% | 39.25% | 39.25% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 185 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXXXX | XXXXXX | CA | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  | 705 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXXXX | 0 | XXXXXX | 16.3 | No | 66.52 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXXXX |  |  |  | false | 1 | XXXXXX | Fixed |  | Cash Out - Other | XXXXXX | XXXXXX | CA | XXXXXX |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXXXX | XXXXXX |  |  |  |  |  |  | XXXXXX | XXXXXX |  |  |  |  |  |  | No | 29.00 |  |  |  | N/A |  |  |  | XXXXXX | XXXXXX |
| 58469309 |  |  | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $2026.07 | 9.000% | 9.000% | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | N/A |  |  | XXXXXX |  |  | 13.50% | 22.79% | 22.79% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 2 | 2 |  |  | 3 | 2 NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 80.00% |  |  | Borrower Prepared | 6 | Borrower |  |  |  | NA | 0 | No |  | Yes | 66 | 31 | FNMA 1005 |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Commission, SEPartnership, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1065), YTD Profit And Loss Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - 2022, 2023, 2024, 2025 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1065), 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - 2022, 2023, 2024, 2025 | XXXXXX | XXXXXX | NH | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  | 765 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXXXX | 0 | XXXXXX | 49.4 | No | 69.69 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXXXX |  |  |  | false | 2 | XXXXXX | Fixed | Conventional | Cash Out - Other | XXXXXX | XXXXXX | NH | XXXXXX |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXXXX | XXXXXX |  |  |  |  |  |  | XXXXXX | XXXXXX |  |  |  |  |  |  | No |  |  |  |  | N/A |  |  |  | XXXXXX | XXXXXX |
| 54815178 |  |  | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternate Income Documentation | 1790.00 | XXXXXX | 6.610% | Manual Underwriting | Manual Underwriting | No | 10.020% |  | 9.875% | 9.875% | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | N/A |  |  | XXXXXX |  |  | 15.32% | 15.32% | 15.32% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 2 YRS Executed 4506T Verified | XXXXXX | XXXXXX | GA | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  | 702 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | GA | United States | XXXXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXXXX | 0 | XXXXXX | 67.8 | No | 72.72 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXXXX |  |  |  | true | 1 | XXXXXX | Fixed | Conventional | Cash Out - Other | XXXXXX | XXXXXX | GA | XXXXXX |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXXXX | XXXXXX |  |  |  |  |  |  | XXXXXX | XXXXXX |  |  |  |  |  |  | N/A - Not investment property | 3.83 |  |  |  | N/A |  |  |  | XXXXXX | XXXXXX |

---

## Exhibit 99.6

[VISTA POINT ASSETS LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.6**

![](ex996001.jpg)

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

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

**DESCRIPTION OF SERVICES:**

&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 Vista Point Mortgage, LLC ("Client"). The review was conducted between April 28 2025, and September 15 2025, via files imaged and provided for review (the "Review").

&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 26 Closed-End Second (CES) loan for a total of 26 CES loan the "Final Securitization Population".

*<u>Credit Reviews (26):</u>*

During the Review, Selene performed a credit review on 26 mortgage loans in the Final Securitization Population.

*<u>Compliance Review (26)</u>*

During the Review, Selene performed a compliance review on 26 mortgage loans in the Final Securitization Population.

*<u>Valuation Reviews (26):</u>*

During the Review, Selene performed a property valuation review on 26 mortgage loans in the Final Securitization Population.

*<u>Data Integrity Review (26):</u>*

During the Review, Selene performed a Data Integrity Review on 26 mortgage loans in the Final Securitization Population.

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

After Selene's initial review was completed, the Client provided Selene with a confirmed list of 26 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;26 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Compliance Population | &nbsp;&nbsp;26 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Valuation Population | &nbsp;&nbsp;26 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Data Integrity Population | &nbsp;&nbsp;26 | &nbsp;&nbsp;100% |

---

&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, and DBRS, Inc. ("DBRS") (the "NRSRO(s)").

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

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

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

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

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

Loan Eligibility Guidelines Equity Solutions (the "Guidelines").

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

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

Page **2** of **13**

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

Selene examined the selected loan files with respect to the presence or absence of relevant documents, enforceability of mortgage loan documents, and accuracy and completeness of data fields. Selene relied on the accuracy of information contained in loan documentation provided to Selene (for more detail, please refer to Appendix A,B, and C, attached hereto).

**CREDIT REVIEW**

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

● 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;

● Confirmed that credit scores (FICO) and credit histories were within the Guidelines.

**COMPLIANCE REVIEW**

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

**PROPERTY VALUATION REVIEW**

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

● **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.

● **Value Supported Analysis** 

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

Page **3** of **13**

**DATA INTEGRITY REVIEW**

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

● Tape data received from lender/client is stored in a secured FTP folder;

● Tape data is uploaded into the application;

● Loan Reviewer collects validated loan data;

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

● Discrepancies found during comparison are stored and reported.

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

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

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

With respect to the Final Securitization Population, Selene conducted (i) a Credit Review on 26 mortgage loans, (ii) a Compliance Review on 26 mortgage loans (iii) a Valuation Review on 26 mortgage loans, and (iv) a Data Integrity Review on 26 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 26 mortgage loans; 25 mortgage loans had a rating grade of A, 1 mortgage loan had a rating grade of B, 0 mortgage loans had a rating grade of C, and 0 mortgage loans had a rating grade of D.

***Grades per loan (26 overall loans):***

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
|  | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** |
| &nbsp;&nbsp;**NRSRO <br> Grade** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**%** | &nbsp;&nbsp;**NRSRO <br> Grade** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;7 | &nbsp;&nbsp;26.92% | &nbsp;&nbsp;A | &nbsp;&nbsp;25 | &nbsp;&nbsp;96.15% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;3.85% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;2 | &nbsp;&nbsp;7.69% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;17 | &nbsp;&nbsp;65.38% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;N/A | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

Page **4** of **13**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| |  | &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** |
| <br>&nbsp;&nbsp;**NRSRO <br> Grade** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**%** | <br>&nbsp;&nbsp;**NRSRO <br> Grade** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;25 | &nbsp;&nbsp;96.15% | &nbsp;&nbsp;A | &nbsp;&nbsp;25 | &nbsp;&nbsp;96.15% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;3.85% | &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;3.85% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;N/A | &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;**DBRS** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;24 | &nbsp;&nbsp;92.31% |
| &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;2 | &nbsp;&nbsp;7.69% |

---

**<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.

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

Page **5** of **13**

advice or opinions. They are recommendations or conclusions based on information provided to Selene. Information contained in any Selene report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of

limitations identified in the report based on certain factors, including the facts and circumstances of an individual mortgage loan. Risk levels associated with a loan may have changed an exception level, given rating agency published guidance, written guidance, or other guidance from the rating agency team on the transaction. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such mortgage loan or mortgage loans, shall be made solely by the Client, or other agreed upon party, that has engaged Selene to prepare its reports pursuant to its instructions and Guidelines. The Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Selene are

designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use. Selene does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by Selene.

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

Selene furnished the following reports on this transaction:

1. Selene
Narrative Report

2. ASF
Report

3. Grading
Summary

4. Exception
Detail

5. Tape
Discrepancies

6. Valuations
Report

7. Supplemental
Data

8. Third
Party (TPR) Attestation Form

9. Attestation
Form 15E

Page **6** of **13**

**APPENDIX A – CREDIT REVIEW SCOPE**

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

**Credit Application**

For the Credit Application, Selene verified whether:

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

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

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

**Credit Report**

Selene verified:

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

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

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

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

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

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

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

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

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

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

**Employment and Income**

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

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

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

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

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

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

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

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

Page **7** of **13**

**Asset Review**

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

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

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

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

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

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

**Hazard/Flood insurance** 

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

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

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

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

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

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

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

**Title**

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

**Fraud**

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

On this Fraud report Selene:

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

&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;

Page **8** of **13**

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

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

&nbsp;&nbsp;&nbsp;&nbsp;6. Addressed
 all red flag issues.

**Additional Review**

Selene's review procedures also included:

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

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

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

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

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

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

Page **9** of **13**

**APPENDIX B – COMPLIANCE REVIEW SCOPE**

Selene reviewed the loan 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

Page **10** of **13**

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine
 if the creditor obtained proof of homeownership counseling in connection with a 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;&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;&nbsp;&nbsp;&nbsp;&nbsp;j) review
 for presence of mortgage loan originator organization and individual mortgage loan originator
 name and NMLSR ID, as applicable, on the credit application, note or mortgage loan contract,
 security instrument, Loan Estimate and Closing Disclosure; and (ii) verify the data against
 the NMLSR database, as available.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Page **11** of **13**

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

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

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

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

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

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

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

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

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

Page **12** of **13**

**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

○ 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.

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

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

● 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.

● Selene does not confirm whether the appraiser is on the Freddie Mac exclusionary list.

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

## Exhibit 99.6

[VISTA POINT ASSETS LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.6 - Schedule 1**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** | **DBRS/Morningstar** | **Kroll** | **Moodys** | **DBRS/Morningstar** | **Kroll** | **Moodys** |
| XXXX |  | 66699590 | XXXX D | A | A | A D B | A | A | A B |
| XXXX |  | 67439535 | XXXX D | A | A | A D | A | A | A |
| XXXX |  | 60256058 | XXXX D A | A | A | A D | A | A | A |
| XXXX |  | 65967636 | XXXX C A | D | D | D A | A | A | A |
| XXXX |  | 61888940 | XXXX A D | A | A | A D | A | A | A |
| XXXX |  | 60874936 | XXXX D A | A | A | A D | A | A | A |
| XXXX |  | 68134461 | XXXX C A | A | A | A C | A | A | A |
| XXXX |  | 63129376 | XXXX D | A | A | A D | A | A | A |
| XXXX |  | 67696570 | XXXX A | A | A | A | A | A | A |
| XXXX |  | 61350338 | XXXX A D | A | A | A D | A | A | A |
| XXXX |  | 66569241 | XXXX D | A | A | A D | A | A | A |
| XXXX |  | 67889031 | XXXX A | A | A | A | A | A | A |
| XXXX |  | 63119192 | XXXX D A | A | A | A D | A | A | A |
| XXXX |  | 61932795 | XXXX A | A | A | A | A | A | A |
| XXXX |  | 64552953 | XXXX D | A | A | A D | A | A | A |
| XXXX |  | 69555829 | XXXX A C | A | A | A C | A | A | A |
| XXXX |  | 68419698 | XXXX A | A | A | A | A | A | A |
| XXXX |  | 63492332 | XXXX A D | N/A | N/A C | N/A D | N/A | N/A C | N/A C |
| XXXX |  | 63219892 | XXXX D | A | A | A D | A | A | A |
| XXXX |  | 68754827 | XXXX D | A | A | A D | A | A | A |
| XXXX |  | 60851451 | XXXX A | A | A | A | A | A | A |
| XXXX |  | 64045821 | XXXX A D | A | A | A D | A | A | A |
| XXXX |  | 61969426 | XXXX D A | A | A | A D | A | A | A |
| XXXX |  | 64425853 | XXXX A | A | A | A | A | A | A |
| XXXX |  | 63273854 | XXXX A | N/A | N/A C | N/A C | N/A | N/A C | N/A C |
| XXXX |  | 67798554 | XXXX D C | A | A | A D | A | A | A |

---

## Exhibit 99.6

[VISTA POINT ASSETS LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.6 - Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Created Date** | **Last Modified Date** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Reviewer Comments** | **Seller Comments** | **Finding Resolution** | **Finding Document** | **Reviewer Comp Factors** | **Originator Comp Factors** | **State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Unique Finding ID** | **Acknowledged / Waived By** | **Waiver in File?** |
| XXXX | XXXX |  | 66699590 | Closed | 2025-05-05 18:12 | 2025-06-06 21:09 | Cured | 2 - Non-Material C B | Compliance | XXXX | PA Fee Not Allowed- Appraisal Review Fee (Fee ID: 96) | Cured-Received cure for the fail, finding has been cured. - Due Diligence Vendor-06/06/2025 <br> Ready for Review-Document Uploaded. - Seller-06/06/2025 <br> Ready for Review-Document Uploaded. - Seller-06/04/2025 <br> Counter-Cure for Appraisal review for $XXXX not provided - Due Diligence Vendor-05/30/2025 <br> Ready for Review-Document Uploaded. - Seller-05/29/2025 <br> Counter-Appraisal Review Fee is listed for $XXXX - Due Diligence Vendor-05/22/2025 <br> Ready for Review-Please confirm cure amt - Buyer-05/22/2025 <br> Open-Appraisal Review Fee (Fee ID: 96) is not allowed to be charged to the Borrower and paid to the Provider in PA under the Pennsylvania Mortgage Licensing Act. (7 Pa. Stat. 6122(a), 6123(1), 6124(3)). - Due Diligence Vendor-05/05/2025 | Ready for Review-Document Uploaded. - Seller-06/06/2025 <br>Ready for Review-Document Uploaded. - Seller-06/04/2025 <br>Ready for Review-Document Uploaded. - Seller-05/29/2025<br>| Cured-Received cure for the fail, finding has been cured. - Due Diligence Vendor-06/06/2025<br>| XXXX |  |  | PA | Primary Residence | Refinance | Cash Out - Other | 4046479 | N/A | N/A |
| XXXX | XXXX |  | 66699590 | Closed | 2025-05-05 18:12 | 2025-05-30 13:56 | Cured | 2 - Non-Material C B | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Cured-Received cure for the application fee, with pccd,check and lox, finding cured - Due Diligence Vendor-05/30/2025 <br> Ready for Review-Document Uploaded. - Buyer-05/29/2025 <br> Counter-Is there an COC for the change in the name from discount points to application fee? The cure would be for $XXXX for the application fee - Due Diligence Vendor-05/22/2025 <br> Ready for Review-Please confirm cure amount - Seller-05/22/2025 <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: Application 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)). Application fee added on initial closing disclosure - Due Diligence Vendor-05/05/2025 | Ready for Review-Please confirm cure amount - Seller-05/22/2025<br>| Cured-Received cure for the application fee, with pccd,check and lox, finding cured - Due Diligence Vendor-05/30/2025<br>| XXXX |  |  | PA | Primary Residence | Refinance | Cash Out - Other | 4046477 | N/A | N/A |
| XXXX | XXXX |  | 66699590 | Closed | 2025-05-02 06:14 | 2025-05-05 18:12 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Received closing disclosures, finding resolved - Due Diligence Vendor-05/05/2025 <br>Ready for Review-Document Uploaded. - Buyer-05/02/2025 <br>Open-TRID: Missing Final Closing Disclosure Final Closing Disclosure is missing in file. - Due Diligence Vendor-05/02/2025 |  | Resolved-Received closing disclosures, finding resolved - Due Diligence Vendor-05/05/2025<br>| XXXX |  |  | PA | Primary Residence | Refinance | Cash Out - Other | 4023484 | N/A | N/A |
| XXXX | XXXX |  | 66699590 | Closed | 2025-05-02 14:28 | 2025-05-05 16:09 | 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-05/05/2025 <br>Ready for Review-Document Uploaded. - Buyer-05/02/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing verification existence of business within 30-days of the note date - Due Diligence Vendor-05/02/2025 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-05/05/2025<br>| XXXX |  |  | PA | Primary Residence | Refinance | Cash Out - Other | 4027150 | N/A | N/A |
| XXXX | XXXX |  | 66699590 | Closed | 2025-05-02 13:53 | 2025-05-05 16:08 | Resolved | 1 - Information C A | Credit | Doc Issue | Missing letter of explanation | Resolved-Received LOE with updated verbiage - Due Diligence Vendor-05/05/2025 <br>Ready for Review-Document Uploaded. - Seller-05/02/2025 <br>Open-Letter of explanation from borrower stating 29% decline in income, worksheet/exception staying 22% decline, please clarify discrepancy - Due Diligence Vendor-05/02/2025 | Ready for Review-Document Uploaded. - Seller-05/02/2025<br>| Resolved-Received LOE with updated verbiage - Due Diligence Vendor-05/05/2025<br>| XXXX |  |  | PA | Primary Residence | Refinance | Cash Out - Other | 4026630 | N/A | N/A |
| XXXX | XXXX |  | 66699590 | Closed | 2025-05-02 08:23 | 2025-05-05 16:06 | Acknowledged | 2 - Non-Material B | Compliance | Missing Doc | Missing Anti-Steering Disclosure | Acknowledged-Client acknowledged missing anti-steering - Due Diligence Vendor-05/05/2025 <br>Ready for Review-Oaktree acknowledges missing disclosure - Seller-05/02/2025 <br>Open-Anti-Steering Disclosure Missing in file. - Due Diligence Vendor-05/02/2025 | Ready for Review-Oaktree acknowledges missing disclosure - Seller-05/02/2025<br>| Acknowledged-Client acknowledged missing anti-steering - Due Diligence Vendor-05/05/2025<br>|  |  |  | PA | Primary Residence | Refinance | Cash Out - Other | 4024259 | Investor Post-Close | No |
| XXXX | XXXX |  | 66699590 | Closed | 2025-05-02 14:39 | 2025-05-02 14:39 | Waived | 2 - Non-Material B | Credit | Income/Employment | Income 1 Income Trend is Decreasing | Waived-Exception made for 22% decline in income - Due Diligence Vendor-05/02/2025 |  | Waived-Exception made for 22% decline in income - Due Diligence Vendor-05/02/2025<br>|  |  | 1. S/E in same business for 10+ years<br> 2. No derogatory credit history listed on credit report<br> 3. Residual Income is $25461.83. Minimum Residual Income required per guidelines is $3500.  | PA | Primary Residence | Refinance | Cash Out - Other | 4027293 | Originator Pre-Close | Yes |
| XXXX | XXXX |  | 67439535 | Closed | 2025-07-11 13:39 | 2025-08-11 21:19 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing PCCD. | Resolved- - Due Diligence Vendor-08/11/2025 <br> Open- - Due Diligence Vendor-08/11/2025 <br> Resolved-PCCD has been received and PC XXXX has been successfully run. - Due Diligence Vendor-08/01/2025 <br> Ready for Review-Document Uploaded. - Seller-07/30/2025 <br> Open-Require PCCD in file with corrected cash to close. There is wire transfer pg-234 of amount $XXXX (cash to clos amount) which was made after closing date. - Due Diligence Vendor-07/11/2025 | Ready for Review-Document Uploaded. - Seller-07/30/2025<br>| Resolved-PCCD has been received and PC XXXX has been successfully run. - Due Diligence Vendor-08/01/2025 | XXXX |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4779632 | N/A | N/A |
| XXXX | XXXX |  | 67439535 | Closed | 2025-07-11 10:30 | 2025-08-11 21:15 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-07/21/2025 <br> Ready for Review-Document Uploaded. - Seller-07/17/2025 <br> Open-The 1008 document is missing from the loan file. Provided 1008 is not reflecting Amount of Subordinate Financing, loan is second lien and FICO score is not mentioned. Appraisal value $XXXX is wrong (as per appraisal, value is $XXXX). Purpose of refinance is given as cash out whereas pr final cd pg-202 cash to close amount is From borrower. Require updated 1008 with Amount of Subordinate Financing , qualifying Fico, updated appraisal value with corrected LTV and purpose of refinance. - Due Diligence Vendor-07/11/2025 | Ready for Review-Document Uploaded. - Seller-07/17/2025<br>| Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-07/21/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4777903 | N/A | N/A |
| XXXX | XXXX |  | 67439535 | Closed | 2025-07-16 10:53 | 2025-08-11 21:14 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-08/01/2025 <br>Ready for Review-Document Uploaded. - Seller-07/30/2025 <br>Open-The Final 1003 is Incomplete Final 1003 Type of Credit indicated as individual credit, but non borrower details included in provided 1003. - Due Diligence Vendor-07/16/2025 | Ready for Review-Document Uploaded. - Seller-07/30/2025<br>| Resolved-The Final 1003 is Present - Due Diligence Vendor-08/01/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4831773 | N/A | N/A |
| XXXX | XXXX |  | 67439535 | Closed | 2025-07-11 12:49 | 2025-08-11 21:14 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-Resolved - Due Diligence Vendor-08/01/2025 <br> Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($XXXX) were applied to the total fee variance of ($XXXX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-08/01/2025 <br> Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($XXXX) were applied to the total fee variance of ($XXXX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-08/01/2025 <br> Open- - Due Diligence Vendor-08/01/2025 <br> Open- - Due Diligence Vendor-08/01/2025 <br> Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($XXXX) were applied to the total fee variance of ($XXXX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-08/01/2025 <br> Open- - Due Diligence Vendor-08/01/2025 <br> Ready for Review-Document Uploaded. - Seller-07/31/2025 <br> Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($XXXX) were applied to the total fee variance of ($XXXX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Require COC for Final CD in which lender credits decreased to $XXXX from initial CD lender credits $XXXX. - Due Diligence Vendor-07/11/2025 <br> Open- - Due Diligence Vendor-07/11/2025 <br> Open- - Due Diligence Vendor-07/11/2025 | Ready for Review-Document Uploaded. - Seller-07/31/2025<br>| Resolved-Resolved - Due Diligence Vendor-08/01/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4778948 | N/A | N/A |
| XXXX | XXXX |  | 67439535 | Closed | 2025-07-16 10:57 | 2025-08-11 21:14 | Resolved | 1 - Information C A | Credit | Doc Issue | Missing asset documentation (ATR) | Resolved-XXXX statements have been received and reviewed. XXXX has been updated to reflect documentation - Due Diligence Vendor-08/06/2025 <br> Ready for Review-Document Uploaded. - Seller-08/01/2025 <br> Open-1003 states assets from XXXX account ending XXXX iao $XXXX. Documentation to confirm account is pending from file - Due Diligence Vendor-07/16/2025 | Ready for Review-Document Uploaded. - Seller-08/01/2025<br>| Resolved-XXXX statements have been received and reviewed. XXXX has been updated to reflect documentation - Due Diligence Vendor-08/06/2025 | XXXX |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4831793 | N/A | N/A |
| XXXX | XXXX |  | 67439535 | Closed | 2025-07-11 12:12 | 2025-08-11 21:13 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Resolved-Audited Loan Amount of $XXXX is less than or equal to the Guideline Maximum Loan Amount of $XXXX - Due Diligence Vendor-08/06/2025 <br> Resolved-Client clarification received. XXXX has been updated to reflect guideline/matrix - Due Diligence Vendor-07/23/2025 <br> Ready for Review-UW states they used the Matrix dated as of XXXX - Seller-07/21/2025 <br> Open-Audited Loan Amount of $XXXX is greater than the Guideline Maximum Loan Amount of $XXXX Audited Loan Amount of $XXXX as per Note document and loan file, whereas per Matrix dated XXXX, max LA is $XXXX. No exception letter is given to approve loan program to use $XXXX as LA. - Due Diligence Vendor-07/11/2025 | Ready for Review-UW states they used the Matrix dated as of XXXX - Seller-07/21/2025 | Resolved-Audited Loan Amount of $XXXX is less than or equal to the Guideline Maximum Loan Amount of $XXXX - Due Diligence Vendor-08/06/2025 <br> Resolved-Client clarification received. XXXX has been updated to reflect guideline/matrix - Due Diligence Vendor-07/23/2025 |  |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4778634 | N/A | N/A |
| XXXX | XXXX |  | 60256058 | Closed | 2025-07-11 07:45 | 2025-07-21 14:24 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-1008 has been received and reviewed. XXXX has been updated to reflect new information - Due Diligence Vendor-07/21/2025 <br>Ready for Review-Document Uploaded. - Seller-07/17/2025 <br>Open-The 1008 document is missing from the loan file. Provided 1008 is not reflecting Amount of Subordinate Financing - Due Diligence Vendor-07/11/2025 | Ready for Review-Document Uploaded. - Seller-07/17/2025<br>| Resolved-1008 has been received and reviewed. XXXX has been updated to reflect new information - Due Diligence Vendor-07/21/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 4777436 | N/A | N/A |
| XXXX | XXXX |  | 65967636 | Closed | 2025-07-18 07:12 | 2025-08-08 14:12 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-08/08/2025 <br>Ready for Review-Document Uploaded. - Seller-08/06/2025 <br>Counter-The provided appraisal reflects the document provided in file. Request to provide secondary valuation - Due Diligence Vendor-07/25/2025 <br>Ready for Review-Document Uploaded. - Seller-07/22/2025 <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Secondary Valuation or Additional Valuation is missing in file. - Due Diligence Vendor-07/18/2025 | Ready for Review-Document Uploaded. - Seller-08/06/2025 <br>Ready for Review-Document Uploaded. - Seller-07/22/2025<br>| Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-08/08/2025<br>| XXXX |  |  | IL | Investment | Refinance | Cash Out - Other | 4863375 | N/A | N/A |
| XXXX | XXXX |  | 65967636 | Closed | 2025-07-18 07:12 | 2025-08-08 14:12 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Appraisal Document provided. - Due Diligence Vendor-07/23/2025 <br> Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-07/23/2025 <br> Ready for Review-Document Uploaded. - Seller-07/22/2025 <br> Open-Appraisal is Missing Primary valuation is missing in file. As per G/Ls dated XXXX Non HPML loans: Loan amounts less than or equal to $XXXX AVM with a 90% Confidence Factor and a Property Condition Inspection . Full appraisal required when AVM has less than 90% Confidence Factor. - Due Diligence Vendor-07/18/2025 | Ready for Review-Document Uploaded. - Seller-07/22/2025<br>| Resolved-Appraisal Document provided. - Due Diligence Vendor-07/23/2025 <br>Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-07/23/2025<br>| XXXX |  |  | IL | Investment | Refinance | Cash Out - Other | 4863376 | N/A | N/A |
| XXXX | XXXX |  | 65967636 | Closed | 2025-07-22 10:52 | 2025-07-30 13:44 | Resolved | 1 - Information C A | Credit | Credit | Missing subject rental income documentation | Resolved-Updated 1008 indicating and confirming correct DSCR has been provided. Resolved - Due Diligence Vendor-07/30/2025 <br> Ready for Review-Document Uploaded. - Seller-07/28/2025 <br> Open-DSCR discrepancy between originator DSCR and calculated DSCR. The calculation validating the correct DSCR is as follows: Rent from Short term rental of $XXXX / PITIA of $XXXX = 1.796779 DSCR, where as originator DSCR values shows as 1.179. <br> Provide rental documentation to reflect the $XXXX used in originator calculations - Due Diligence Vendor-07/22/2025 | Ready for Review-Document Uploaded. - Seller-07/28/2025<br>| Resolved-Updated 1008 indicating and confirming correct DSCR has been provided. Resolved - Due Diligence Vendor-07/30/2025<br>| XXXX |  |  | IL | Investment | Refinance | Cash Out - Other | 4899515 | N/A | N/A |
| XXXX | XXXX |  | 61888940 | Closed | 2025-07-31 21:32 | 2025-08-25 10:36 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved- - Due Diligence Vendor-08/25/2025 <br>Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-08/05/2025 <br>Ready for Review-Document Uploaded. final HUD signed - Seller-08/04/2025 <br>Open-Final Hud in file is not executed - Due Diligence Vendor-07/31/2025 | Ready for Review-Document Uploaded. final HUD signed - Seller-08/04/2025<br>| Resolved- - Due Diligence Vendor-08/25/2025 <br>Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-08/05/2025<br>| XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 5015399 | N/A | N/A |
| XXXX | XXXX |  | 60874936 | Closed | 2025-07-28 12:52 | 2025-08-25 19:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Borrower 1 Citizenship Documentation (Driver's License) Provided. - Due Diligence Vendor-08/01/2025 <br>Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-08/01/2025 <br>Ready for Review-Document Uploaded. - Seller-07/31/2025 <br>Open-Borrower 1 Citizenship Documentation Is Missing Provide Borrower 1 Citizenship Documentation. Borrower 1 Citizenship Documentation Is Missing. Only have USA Patriot Act - Due Diligence Vendor-07/28/2025 | Ready for Review-Document Uploaded. - Seller-07/31/2025<br>| Resolved-Borrower 1 Citizenship Documentation (Driver's License) Provided. - Due Diligence Vendor-08/01/2025 <br>Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-08/01/2025<br>| XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 4961851 | N/A | N/A |
| XXXX | XXXX |  | 68134461 | Closed | 2025-07-31 18:26 | 2025-08-05 11:55 | Resolved | 1 - Information C A | Credit | Credit | DSCR unknown | Resolved-Updated transmittal provided, DSCR inline with audited DSCR. - Due Diligence Vendor-08/05/2025 <br>Ready for Review-Document Uploaded. updated 1008 - Seller-08/04/2025 <br>Open-Calculated DSCR is 1.18, however two different DSCRs mentioned in file. 1008 sates 1.08 and the Rate lock in file states 1.24 Please clarify source doc used for accuracy going forward. - Due Diligence Vendor-07/31/2025 | Ready for Review-Document Uploaded. updated 1008 - Seller-08/04/2025<br>| Resolved-Updated transmittal provided, DSCR inline with audited DSCR. - Due Diligence Vendor-08/05/2025<br>| XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 5011801 | N/A | N/A |
| XXXX | XXXX |  | 63129376 | Closed | 2025-07-29 04:32 | 2025-08-25 18:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Borrower 1 Citizenship Documentation Provided.<br> - Due Diligence Vendor-08/05/2025 <br>Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-08/05/2025 <br>Ready for Review-Document Uploaded. BORROWER'S DL - Seller-08/04/2025 <br>Open-Borrower 1 Citizenship Documentation Is Missing Have the US Act in file missing the License - Due Diligence Vendor-07/31/2025 | Ready for Review-Document Uploaded. BORROWER'S DL - Seller-08/04/2025<br>| Resolved-Borrower 1 Citizenship Documentation Provided.<br> - Due Diligence Vendor-08/05/2025 <br>Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-08/05/2025<br>| XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 4974812 | N/A | N/A |
| XXXX | XXXX |  | 63129376 | Closed | 2025-07-29 04:32 | 2025-08-25 18:53 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-Final 1003 borrower signed page provided. - Due Diligence Vendor-08/07/2025 <br>Resolved-The Final 1003 is Present - Due Diligence Vendor-08/07/2025 <br>Ready for Review-Document Uploaded. signed pgs of 1003 - Seller-08/06/2025 <br>Open-The Final 1003 is Missing We have the final 1003 in file but it is incomplete 9th page is missing where borrower signature we have, Provide the complete final 1003. - Due Diligence Vendor-07/29/2025 | Ready for Review-Document Uploaded. signed pgs of 1003 - Seller-08/06/2025<br>| Resolved-Final 1003 borrower signed page provided. - Due Diligence Vendor-08/07/2025 <br>Resolved-The Final 1003 is Present - Due Diligence Vendor-08/07/2025<br>| XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 4974813 | N/A | N/A |
| XXXX | XXXX |  | 63129376 | Closed | 2025-07-31 21:50 | 2025-08-25 18:53 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-08/05/2025 <br>Open-Need the signed final 1003 from the borrower that page is missing from the file 9 of 12. - Due Diligence Vendor-07/31/2025 |  | Resolved-The Final 1003 is Present - Due Diligence Vendor-08/05/2025<br>|  |  |  | CA | Investment | Refinance | Cash Out - Other | 5015651 | N/A | N/A |
| XXXX | XXXX |  | 63129376 | Closed | 2025-07-31 21:51 | 2025-08-11 12:28 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-08/11/2025 <br>Ready for Review-Document Uploaded. - Seller-08/08/2025 <br>Counter-Only one page was received. - Due Diligence Vendor-08/07/2025 <br>Ready for Review-Document Uploaded. fully executed HUD - Seller-08/06/2025 <br>Open-Need the executed final Hud. - Due Diligence Vendor-07/31/2025 | Ready for Review-Document Uploaded. - Seller-08/08/2025 <br>Ready for Review-Document Uploaded. fully executed HUD - Seller-08/06/2025<br>| Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-08/11/2025<br>| XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 5015667 | N/A | N/A |
| XXXX | XXXX |  | 61350338 | Closed | 2025-07-29 11:40 | 2025-08-11 12:56 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Updated Final 1003 showing years in line of employment/work. Updated & resolved. - Due Diligence Vendor-08/11/2025 <br>Resolved-The Final 1003 is Present - Due Diligence Vendor-08/11/2025 <br>Ready for Review-Document Uploaded. - Seller-08/09/2025 <br>Open-The Final 1003 is Incomplete Provided final 1003 is missing with years in line of employment/work is missing and given non borrower spouse details in provided 1003. Require updated 1003. - Due Diligence Vendor-07/29/2025 | Ready for Review-Document Uploaded. - Seller-08/09/2025<br>| Resolved-Updated Final 1003 showing years in line of employment/work. Updated & resolved. - Due Diligence Vendor-08/11/2025 <br>Resolved-The Final 1003 is Present - Due Diligence Vendor-08/11/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | 4976060 | N/A | N/A |
| XXXX | XXXX |  | 61350338 | Closed | 2025-08-08 07:27 | 2025-08-08 07:34 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | 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. Loan is a closed end second lien and is not required to escrow on Closed end Seconds only. Rate lock date was entered correctly – see Pg.'s #245 An interior and exterior appraisal was completed for this property – see pg#24, ECOA Appraisal Disclosure provided on page #276. The copy of appraisal sent to borrower confirmation page#51,. The loan meets HPML guidelines. Resolved. - Due Diligence Vendor-08/08/2025 <br>Open-The loan's (10.641%) APR equals or exceeds the Federal HPML threshold of (10.27%). The threshold is determined by adding 3.5 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 (6.77%).(12 CFR 1026.35(a)(1)(iii)) - Due Diligence Vendor-08/08/2025 |  | 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. Loan is a closed end second lien and is not required to escrow on Closed end Seconds only. Rate lock date was entered correctly – see Pg.'s #245 An interior and exterior appraisal was completed for this property – see pg#24, ECOA Appraisal Disclosure provided on page #276. The copy of appraisal sent to borrower confirmation page#51,. The loan meets HPML guidelines. Resolved. - Due Diligence Vendor-08/08/2025<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | 5105955 | N/A | N/A |
| XXXX | XXXX |  | 61350338 | Closed | 2025-08-08 07:27 | 2025-08-08 07:34 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | 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. Loan is a closed end second lien and is not required to escrow on Closed end Seconds only. Rate lock date was entered correctly – see Pg.'s #245 An interior and exterior appraisal was completed for this property – see pg#24, ECOA Appraisal Disclosure provided on page #276. The copy of appraisal sent to borrower confirmation page#51,. The loan meets HPML guidelines. Resolved. - Due Diligence Vendor-08/08/2025 <br>Open-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (10.641%) equals or exceeds the California HPML threshold of (10.27%). The threshold is determined by adding 3.5 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 (6.77%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) - Due Diligence Vendor-08/08/2025 |  | 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. Loan is a closed end second lien and is not required to escrow on Closed end Seconds only. Rate lock date was entered correctly – see Pg.'s #245 An interior and exterior appraisal was completed for this property – see pg#24, ECOA Appraisal Disclosure provided on page #276. The copy of appraisal sent to borrower confirmation page#51,. The loan meets HPML guidelines. Resolved. - Due Diligence Vendor-08/08/2025<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | 5105954 | N/A | N/A |
| XXXX | XXXX |  | 61350338 | Closed | 2025-07-30 11:25 | 2025-08-08 07:29 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial Closing Disclosure uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-08/08/2025 <br>Ready for Review-Document Uploaded. - Seller-08/07/2025 <br>Open-TRID: Missing Closing Disclosure Initial Closing Disclosure is missing in file. - Due Diligence Vendor-07/30/2025 | Ready for Review-Document Uploaded. - Seller-08/07/2025<br>| Resolved-Initial Closing Disclosure uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-08/08/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | 4990489 | N/A | N/A |
| XXXX | XXXX |  | 66569241 | Closed | 2025-07-28 07:17 | 2025-08-25 19:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Borrower 1 Citizenship Documentation Provided. - Due Diligence Vendor-08/05/2025 <br>Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-08/05/2025 <br>Ready for Review-Document Uploaded. BORROWER'S DRIVER LICENSE - Seller-08/04/2025 <br>Open-Borrower 1 Citizenship Documentation Is Missing - Due Diligence Vendor-07/28/2025 | Ready for Review-Document Uploaded. BORROWER'S DRIVER LICENSE - Seller-08/04/2025<br>| Resolved-Borrower 1 Citizenship Documentation Provided. - Due Diligence Vendor-08/05/2025 <br>Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-08/05/2025<br>| XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 4960440 | N/A | N/A |
| XXXX | XXXX |  | 66569241 | Closed | 2025-07-31 21:00 | 2025-08-11 12:31 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-08/11/2025 <br>Ready for Review-Document Uploaded. - Seller-08/08/2025 <br>Counter-Need the completed final hud with execution as there are a few copies of the hud in file with different numbers. - Due Diligence Vendor-08/07/2025 <br>Ready for Review-Document Uploaded. - Seller-08/06/2025 <br>Open-Final Hud in file is not executed - Due Diligence Vendor-07/31/2025 | Ready for Review-Document Uploaded. - Seller-08/08/2025 <br>Ready for Review-Document Uploaded. - Seller-08/06/2025<br>| Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-08/11/2025<br>| XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 5014925 | N/A | N/A |
| XXXX | XXXX |  | 63119192 | Closed | 2025-07-29 06:25 | 2025-08-25 18:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Borrower 1 Citizenship Documentation Provided.<br> - Due Diligence Vendor-08/05/2025 <br>Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-08/05/2025 <br>Ready for Review-Document Uploaded. - Seller-08/04/2025 <br>Open-Borrower 1 Citizenship Documentation Is Missing Provide Borrower 1 Citizenship Document. Borrower 1 Citizenship Document missing in file. Only have USA Patriot Act in fie. - Due Diligence Vendor-07/29/2025 | Ready for Review-Document Uploaded. - Seller-08/04/2025<br>| Resolved-Borrower 1 Citizenship Documentation Provided.<br> - Due Diligence Vendor-08/05/2025 <br>Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-08/05/2025<br>| XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 4975106 | N/A | N/A |
| XXXX | XXXX |  | 64552953 | Closed | 2025-07-29 06:48 | 2025-08-25 18:34 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Borrower 1 Citizenship Documentation Provided.<br> - Due Diligence Vendor-08/05/2025 <br>Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-08/05/2025 <br>Ready for Review-Document Uploaded. borrower's license - Seller-08/04/2025 <br>Open-Borrower 1 Citizenship Documentation Is Missing License is missing from the file. - Due Diligence Vendor-07/31/2025 | Ready for Review-Document Uploaded. borrower's license - Seller-08/04/2025<br>| Resolved-Borrower 1 Citizenship Documentation Provided.<br> - Due Diligence Vendor-08/05/2025 <br>Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-08/05/2025<br>| XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 4975164 | N/A | N/A |
| XXXX | XXXX |  | 64552953 | Closed | 2025-07-31 22:08 | 2025-08-11 12:17 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-08/11/2025 <br>Ready for Review-Document Uploaded. - Seller-08/08/2025 <br>Open-Missing executed final Hud - Due Diligence Vendor-07/31/2025 | Ready for Review-Document Uploaded. - Seller-08/08/2025<br>| Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-08/11/2025<br>| XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 5015827 | N/A | N/A |
| XXXX | XXXX |  | 69555829 | Closed | 2025-08-08 15:12 | 2025-08-15 18:31 | Resolved | 1 - Information C A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-Resolved - Due Diligence Vendor-08/15/2025 <br> Ready for Review-Document Uploaded. - Seller-08/13/2025 <br> Open-The loan disbursement date (XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) The loan disbursement date (XXXX) is the same day calculated "Right to Cancel" expiration date (XXXX). Provide a PCCD with the revised disburse date. - Due Diligence Vendor-08/08/2025 <br> Open- - Due Diligence Vendor-08/12/2025 <br> Open- - Due Diligence Vendor-08/08/2025 | Ready for Review-Document Uploaded. - Seller-08/13/2025<br>| Resolved-Resolved - Due Diligence Vendor-08/15/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5110508 | N/A | N/A |
| XXXX | XXXX |  | 63492332 | Closed | 2025-08-26 18:14 | 2025-09-09 14:40 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Note | Resolved-Note for 1st lien received - Due Diligence Vendor-09/09/2025 <br> Ready for Review-Document Uploaded. - Seller-09/08/2025 <br> Counter-This loan is a 2nd lien. I'm asking for a copy of the Note for the first lien which we need to determine the terms of the first lien. - Due Diligence Vendor-09/02/2025 <br> Ready for Review-Note was delivered on XXXX - POD was uploaded - Seller-08/29/2025 <br> Counter-Initial comments disappeared. Missing copy of initial note with first lien which is needed. - Due Diligence Vendor-08/29/2025 <br> Ready for Review-Document Uploaded. Note was delivered on XXXX - Seller-08/27/2025 <br> Open- - Due Diligence Vendor-08/26/2025 | Ready for Review-Document Uploaded. - Seller-09/08/2025 <br> Ready for Review-Note was delivered on XXXX - POD was uploaded - Seller-08/29/2025 <br> Ready for Review-Document Uploaded. Note was delivered on XXXX - Seller-08/27/2025 | Resolved-Note for 1st lien received - Due Diligence Vendor-09/09/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 5322873 | N/A | N/A |
| XXXX | XXXX |  | 63492332 | Closed | 2025-08-26 12:04 | 2025-09-09 15:00 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan meets HPML guidelines, resolved. - Due Diligence Vendor-09/09/2025 <br>Open-. - Due Diligence Vendor-09/09/2025 <br>Resolved-The loan's (10.332%) APR equals or exceeds the Federal HPML threshold of (10.17%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.67%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly.<br> All disclosures, COC's, Fees, and dates are entered correctly. <br> Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. <br> Final Closing disclosure on Pg#'191<br> Rate lock date was entered correctly – see Pg#'s 456<br> An interior and exterior appraisal was completed for this property – see pg#96, <br> ECOA Appraisal Disclosure OR the LE's page as the page#504.<br> confirmation the appraisal was delivered to the borrower – see Pg#'s180, 181<br> - Due Diligence Vendor-08/26/2025 <br>Open- - Due Diligence Vendor-08/26/2025 <br>Open- - Due Diligence Vendor-08/26/2025 |  | Resolved-The loan meets HPML guidelines, resolved. - Due Diligence Vendor-09/09/2025 <br>Resolved-The loan's (10.332%) APR equals or exceeds the Federal HPML threshold of (10.17%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.67%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly.<br> All disclosures, COC's, Fees, and dates are entered correctly. <br> Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. <br> Final Closing disclosure on Pg#'191<br> Rate lock date was entered correctly – see Pg#'s 456<br> An interior and exterior appraisal was completed for this property – see pg#96, <br> ECOA Appraisal Disclosure OR the LE's page as the page#504.<br> confirmation the appraisal was delivered to the borrower – see Pg#'s180, 181<br> - Due Diligence Vendor-08/26/2025<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 5314654 | N/A | N/A |
| XXXX | XXXX |  | 63492332 | Closed | 2025-08-26 12:04 | 2025-09-09 15:00 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-The loan meets HPML guidelines, resolved. - Due Diligence Vendor-09/09/2025 <br>Open-. - Due Diligence Vendor-09/09/2025 <br>Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (10.332%) equals or exceeds the California HPML threshold of (10.17%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.67%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly.<br> All disclosures, COC's, Fees, and dates are entered correctly. <br> Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. <br> Final Closing disclosure on Pg#'191<br> Rate lock date was entered correctly – see Pg#'s 456<br> An interior and exterior appraisal was completed for this property – see pg#96, <br> ECOA Appraisal Disclosure OR the LE's page as the page#504.<br> confirmation the appraisal was delivered to the borrower – see Pg#'s180, 181<br> - Due Diligence Vendor-08/26/2025 <br>Open- - Due Diligence Vendor-08/26/2025 <br>Open- - Due Diligence Vendor-08/26/2025 |  | Resolved-The loan meets HPML guidelines, resolved. - Due Diligence Vendor-09/09/2025 <br>Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (10.332%) equals or exceeds the California HPML threshold of (10.17%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.67%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly.<br> All disclosures, COC's, Fees, and dates are entered correctly. <br> Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. <br> Final Closing disclosure on Pg#'191<br> Rate lock date was entered correctly – see Pg#'s 456<br> An interior and exterior appraisal was completed for this property – see pg#96, <br> ECOA Appraisal Disclosure OR the LE's page as the page#504.<br> confirmation the appraisal was delivered to the borrower – see Pg#'s180, 181<br> - Due Diligence Vendor-08/26/2025<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 5314653 | N/A | N/A |
| XXXX | XXXX |  | 63219892 | Closed | 2025-09-08 21:25 | 2025-09-15 20:32 | Resolved | 1 - Information C A | Compliance | Fees:Limited | California - Maximum Payoff Demand Fee | Resolved-Updated PCCD provided, XXXX cleared. - Due Diligence Vendor-09/15/2025 <br>Ready for Review-Document Uploaded. - Seller-09/11/2025 <br>Counter- - Due Diligence Vendor-09/11/2025 <br>Counter-Management and compliance team review. - Due Diligence Vendor-09/10/2025 <br>Ready for Review-Document Uploaded. - Seller-09/08/2025 <br>Ready for Review-what is needed to clear this condition?<br> - Seller-09/08/2025 <br>Open- - Due Diligence Vendor-09/08/2025 <br>Open-Under the California Civil Code, a payoff demand fee may not exceed $30. (Cal. Civ. Code 2943(e)(6)) - Due Diligence Vendor-09/08/2025 <br>Open- - Due Diligence Vendor-09/08/2025 | Ready for Review-Document Uploaded. - Seller-09/11/2025 <br>Ready for Review-Document Uploaded. - Seller-09/08/2025 <br>Ready for Review-what is needed to clear this condition?<br> - Seller-09/08/2025<br>| Resolved-Updated PCCD provided, XXXX cleared. - Due Diligence Vendor-09/15/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5457596 | N/A | N/A |
| XXXX | XXXX |  | 63219892 | Closed | 2025-09-08 21:31 | 2025-09-15 20:31 | Resolved | 1 - Information D A | Compliance | Disclosure | Missing PCCD. | Resolved-Updated PCCD provided, XXXX cleared. - Due Diligence Vendor-09/15/2025 <br>Ready for Review-Document Uploaded. - Seller-09/11/2025 <br>Counter-The LOE attached cannot be used for PCCD updates. Requesting to provide updated PCCD. - Due Diligence Vendor-09/10/2025 <br>Ready for Review-Document Uploaded. - Seller-09/08/2025 <br>Open-The PCCD in File Uploads shows Closing Costs of $12,384.43 with a $150 Lender Credit. The audited Closing Costs are $12,234.43 with a $150 Lender Credit. Requesting to provide an updated PCCD. - Due Diligence Vendor-09/08/2025 | Ready for Review-Document Uploaded. - Seller-09/11/2025 <br>Ready for Review-Document Uploaded. - Seller-09/08/2025<br>| Resolved-Updated PCCD provided, XXXX cleared. - Due Diligence Vendor-09/15/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5457730 | N/A | N/A |
| XXXX | XXXX |  | 63219892 | Closed | 2025-08-27 14:27 | 2025-09-08 21:26 | Resolved | 1 - Information C A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-The PCCD is provided, XXXX is clear. - Due Diligence Vendor-09/08/2025 <br> Resolved- - Due Diligence Vendor-09/08/2025 <br> Ready for Review-Document Uploaded. - Seller-09/05/2025 <br> Counter-The loan was originated with TRID Closing documents such as a Final CD. A Settlement Statement was provided below. The loan disbursement date (XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) Provided Right to Cancel docs reflecting cancel date XXXX same as disbursement date XXXX. Require updated final CD with corrected disbursement date or PCCD in file. - Due Diligence Vendor-09/03/2025 <br> Ready for Review-Document Uploaded. - Seller-08/29/2025 <br> Open- - Due Diligence Vendor-08/28/2025 <br> Open- - Due Diligence Vendor-08/27/2025 <br> Open- - Due Diligence Vendor-08/27/2025 <br> Open- - Due Diligence Vendor-08/27/2025 <br> Open-The loan disbursement date (XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) Provided Right to Cancel docs reflecting cancel date XXXX same as disbursement date XXXX. Require updated final CD with corrected disbursement date or PCCD in file. <br> - Due Diligence Vendor-08/27/2025 <br> Open- - Due Diligence Vendor-08/27/2025 <br> Open- - Due Diligence Vendor-08/27/2025 <br> Open- - Due Diligence Vendor-08/27/2025 <br> Open- - Due Diligence Vendor-08/27/2025 <br> Open- - Due Diligence Vendor-08/27/2025 | Ready for Review-Document Uploaded. - Seller-09/05/2025 <br>Ready for Review-Document Uploaded. - Seller-08/29/2025<br>| Resolved-The PCCD is provided, XXXX is clear. - Due Diligence Vendor-09/08/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5332023 | N/A | N/A |
| XXXX | XXXX |  | 63219892 | Closed | 2025-08-27 13:07 | 2025-09-02 08:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Bank Statement Summary Lender Worksheet / Income Calculator provided. - Due Diligence Vendor-09/02/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-09/02/2025 <br>Ready for Review-Document Uploaded. - Seller-08/29/2025 <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Lender Worksheet / Income Calculator is Missing in file.<br> - Due Diligence Vendor-08/27/2025 | Ready for Review-Document Uploaded. - Seller-08/29/2025<br>| Resolved-Bank Statement Summary Lender Worksheet / Income Calculator provided. - Due Diligence Vendor-09/02/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-09/02/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5330531 | N/A | N/A |
| XXXX | XXXX |  | 63219892 | Closed | 2025-08-27 15:52 | 2025-08-29 08:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Trust Agreement | Resolved-Trust agreement provided. - Due Diligence Vendor-08/29/2025 <br>Ready for Review-Document Uploaded. - Seller-08/29/2025 <br>Open-Trust agreement is missing in file, Note and other closing documents signed by borrower (individually and as trustee) and non borrower as trustee. - Due Diligence Vendor-08/27/2025 | Ready for Review-Document Uploaded. - Seller-08/29/2025<br>| Resolved-Trust agreement provided. - Due Diligence Vendor-08/29/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5334281 | N/A | N/A |
| XXXX | XXXX |  | 63219892 | Closed | 2025-08-27 12:06 | 2025-08-29 08:06 | Resolved | 1 - Information C A | Credit | Borrower | Borrower 1 Ethnicity Selection is Not Provided | Resolved-Borrower 1 Ethnicity Selection is Provided per uploaded 1003. Resolved - Due Diligence Vendor-08/29/2025 <br>Open-Borrower 1 Ethnicity Selection is Not Provided Raised final 1003 finding and mentioned this discrepancy in it. - Due Diligence Vendor-08/27/2025 |  | Resolved-Borrower 1 Ethnicity Selection is Provided per uploaded 1003. Resolved - Due Diligence Vendor-08/29/2025<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5329878 | N/A | N/A |
| XXXX | XXXX |  | 63219892 | Closed | 2025-08-27 12:06 | 2025-08-29 08:06 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-08/29/2025 <br>Resolved-Final 1003 provided. Resolved - Due Diligence Vendor-08/29/2025 <br>Ready for Review-Document Uploaded. - Seller-08/29/2025 <br>Open-The Final 1003 is Incomplete Provided final 1003 is reflecting another borrower details along with signatures, and missed ethnicity details of Borrower. Require updated final 1003. - Due Diligence Vendor-08/27/2025 | Ready for Review-Document Uploaded. - Seller-08/29/2025<br>| Resolved-The Final 1003 is Present - Due Diligence Vendor-08/29/2025 <br>Resolved-Final 1003 provided. Resolved - Due Diligence Vendor-08/29/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5329879 | N/A | N/A |
| XXXX | XXXX |  | 68754827 | Closed | 2025-08-29 21:28 | 2025-09-09 16:53 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Resolved-LA provided and updates system. - Due Diligence Vendor-09/09/2025 <br>Ready for Review-Document Uploaded. - Seller-09/05/2025 <br>Open-Provide the Loan Approval form. - Due Diligence Vendor-08/29/2025 | Ready for Review-Document Uploaded. - Seller-09/05/2025<br>| Resolved-Resolved-LA provided and updates system. - Due Diligence Vendor-09/09/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5368155 | N/A | N/A |
| XXXX | XXXX |  | 68754827 | Closed | 2025-08-29 10:43 | 2025-09-08 09:42 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Revised LE Missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-09/08/2025 <br> Ready for Review-Document Uploaded. - Seller-09/05/2025 <br> Open-Initial LE not locked and we have the COC on page#197 for loan locked on XXXX but we dont have the Revided LE on that date, Provide the Revised LE. - Due Diligence Vendor-08/29/2025 | Ready for Review-Document Uploaded. - Seller-09/05/2025<br>| Resolved-Revised LE Missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-09/08/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5357909 | N/A | N/A |
| XXXX | XXXX |  | 68754827 | Closed | 2025-08-29 06:56 | 2025-09-08 09:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Requested 3rd Party VOE Document Provided, Updated & condition Resolved. - Due Diligence Vendor-09/08/2025 <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-09/08/2025 <br>Ready for Review-Document Uploaded. - Seller-09/05/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Verification of existence of business within 30 days of the Note date for S/E borrowers per GL. Provide one of the following: Letter from business tax professional, On-line verification from regulatory agency or licensing bureau, or Certification verifying business existence through direct contact or internet search. - Due Diligence Vendor-08/29/2025 | Ready for Review-Document Uploaded. - Seller-09/05/2025<br>| Resolved-Requested 3rd Party VOE Document Provided, Updated & condition Resolved. - Due Diligence Vendor-09/08/2025 <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-09/08/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5357046 | N/A | N/A |
| XXXX | XXXX |  | 68754827 | Closed | 2025-08-29 06:56 | 2025-09-08 09:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Requested Income Calculation for P&L Income Provided, Updated & Condition resolved. - Due Diligence Vendor-09/08/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-09/08/2025 <br>Ready for Review-Document Uploaded. - Seller-09/05/2025 <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Missing Lender Income Calculation Worksheet. - Due Diligence Vendor-08/29/2025 | Ready for Review-Document Uploaded. - Seller-09/05/2025<br>| Resolved-Requested Income Calculation for P&L Income Provided, Updated & Condition resolved. - Due Diligence Vendor-09/08/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-09/08/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5357047 | N/A | N/A |
| XXXX | XXXX |  | 64045821 | Closed | 2025-09-08 09:28 | 2025-09-11 18:24 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Resolved, COC provided and updated. - Due Diligence Vendor-09/11/2025 <br>Ready for Review-Document Uploaded. - Seller-09/09/2025 <br>Open-Loan origination fees increased from initial Le to Final CD, and there is no COC to cure the tolerance - Due Diligence Vendor-09/08/2025 <br>Open- - Due Diligence Vendor-09/08/2025 <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Loan Origination Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-09/08/2025 <br>Open- - Due Diligence Vendor-09/08/2025 | Ready for Review-Document Uploaded. - Seller-09/09/2025<br>| Resolved-Resolved, COC provided and updated. - Due Diligence Vendor-09/11/2025<br>| XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 5444716 | N/A | N/A |
| XXXX | XXXX |  | 64045821 | Closed | 2025-09-03 13:59 | 2025-09-08 09:36 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Initial LE Missing in file, provided the same, changes made in system, Finding Resolved<br> - Due Diligence Vendor-09/08/2025 <br>Ready for Review-Document Uploaded. - Seller-09/05/2025 <br>Open-Missing initial Loan Estimate in file. - Due Diligence Vendor-09/03/2025 | Ready for Review-Document Uploaded. - Seller-09/05/2025<br>| Resolved-Initial LE Missing in file, provided the same, changes made in system, Finding Resolved<br> - Due Diligence Vendor-09/08/2025<br>| XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 5392034 | N/A | N/A |
| XXXX | XXXX |  | 64045821 | Closed | 2025-09-03 13:58 | 2025-09-08 09:35 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial Cd Missing in file, provided the same, changes made in system, Finding Resolved<br> - Due Diligence Vendor-09/08/2025 <br>Ready for Review-Document Uploaded. - Seller-09/05/2025 <br>Open-TRID: Missing Closing Disclosure Missing initial Closing Disclosure in file. - Due Diligence Vendor-09/03/2025 | Ready for Review-Document Uploaded. - Seller-09/05/2025<br>| Resolved-Initial Cd Missing in file, provided the same, changes made in system, Finding Resolved<br> - Due Diligence Vendor-09/08/2025<br>| XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 5392015 | N/A | N/A |
| XXXX | XXXX |  | 64045821 | Closed | 2025-09-08 09:28 | 2025-09-08 09:33 | Resolved | 1 - Information C A | Compliance | XXXX | Tolerance: Disclosure | Resolved- - Due Diligence Vendor-09/08/2025 <br>Resolved- - Due Diligence Vendor-09/08/2025 <br>Open-There are ($248.00) of fees paid to a third-party provider disclosed under Section A "Origination Charges". Under Regulation Z, charges included under the subheading "Origination Charges" on the Loan Estimate and Closing Disclosure are those charges paid to the creditor and the mortgage broker (if applicable) for originating and extending the credit. (12 CFR 1026.37(f)(1); 12 CFR 1026.38(f)(1)) - Due Diligence Vendor-09/08/2025 <br>Open- - Due Diligence Vendor-09/08/2025 |  | Resolved- - Due Diligence Vendor-09/08/2025<br>|  |  |  | CA | Investment | Refinance | Cash Out - Other | 5444715 | N/A | N/A |
| XXXX | XXXX |  | 61969426 | Closed | 2025-09-05 11:40 | 2025-09-12 12:32 | Resolved | 1 - Information D A | Credit | Eligibility | Prepayment Penalty Does Not Meet Guideline Requirements | Resolved-received the XXXX GLs, no PPP restrictions for CA CES - resolved - Due Diligence Vendor-09/12/2025 <br> Ready for Review-Document Uploaded. - Seller-09/11/2025 <br> Counter-Please provide XXXX GLs and Matrices - Due Diligence Vendor-09/11/2025 <br> Ready for Review-XXXX allows a Prepayment Penalty on all NOO BPL 2nd liens. The change referenced in the condition applies to loans with applications taken on or after XXXX and our application is dated XXXX. Please grant an exception based on the above. - Seller-09/09/2025 <br> Open-As per XXXX G/Ls dated XXXX pg-10 of 39, transactions like primary residence, second home, non-DSCR investment prepayment penalties are prohibited. But loan has prepayment penalty. - Due Diligence Vendor-09/05/2025 | Ready for Review-Document Uploaded. - Seller-09/11/2025 <br> Ready for Review-XXXX allows a Prepayment Penalty on all NOO BPL 2nd liens. The change referenced in the condition applies to loans with applications taken on or after XXXX and our application is dated XXXX. Please grant an exception based on the above. - Seller-09/09/2025 | Resolved-received the XXXX GLs, no PPP restrictions for CA CES - resolved - Due Diligence Vendor-09/12/2025 | XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 5423406 | N/A | N/A |
| XXXX | XXXX |  | 61969426 | Closed | 2025-09-05 10:44 | 2025-09-10 11:28 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-Updated 1008 provided with updated DTI, now DTI is within the Guidelines hence condition resolved. - Due Diligence Vendor-09/10/2025 <br>Ready for Review-Document Uploaded. - Seller-09/09/2025 <br>Open-DTI discrepancy is due to as follows: second lien in front end equation is 13.50% which is the correct Front end DTI. To add the second lien amount in again it brings front end DTI to 18.65% which is incorrect. - Due Diligence Vendor-09/05/2025 | Ready for Review-Document Uploaded. - Seller-09/09/2025<br>| Resolved-Updated 1008 provided with updated DTI, now DTI is within the Guidelines hence condition resolved. - Due Diligence Vendor-09/10/2025<br>| XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 5422720 | N/A | N/A |
| XXXX | XXXX |  | 61969426 | Closed | 2025-09-05 07:35 | 2025-09-10 11:28 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Requested updated 1008 Provided with Fico & Risk assessment selection, updated & Condition Resolved. - Due Diligence Vendor-09/10/2025 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-09/10/2025 <br>Ready for Review-Document Uploaded. - Seller-09/09/2025 <br>Open-The 1008 document is missing from the loan file. <br> Provided 1008 is incomplete, Risk Assessment selection and FICO left blank, as well as DTI information incorrect. - Due Diligence Vendor-09/05/2025 | Ready for Review-Document Uploaded. - Seller-09/09/2025<br>| Resolved-Requested updated 1008 Provided with Fico & Risk assessment selection, updated & Condition Resolved. - Due Diligence Vendor-09/10/2025 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-09/10/2025<br>| XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 5421697 | N/A | N/A |
| XXXX | XXXX |  | 67798554 | Closed | 2025-09-10 10:42 | 2025-09-12 10:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-Requested Senior Lien Docs Provided, Updated & Condition resolved. - Due Diligence Vendor-09/12/2025 <br>Ready for Review-Document Uploaded. - Seller-09/11/2025 <br>Open-Previous Note document is missing, Provide it. - Due Diligence Vendor-09/10/2025 | Ready for Review-Document Uploaded. - Seller-09/11/2025<br>| Resolved-Requested Senior Lien Docs Provided, Updated & Condition resolved. - Due Diligence Vendor-09/12/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5478658 | N/A | N/A |
| XXXX | XXXX |  | 67798554 | Closed | 2025-09-10 10:14 | 2025-09-12 10:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved-Updated 1003 & 1008 Provided with updated income as borrower owns 50% of the company income is divided by 2 now income is matching with P&L docs hence condition resolved. - Due Diligence Vendor-09/12/2025 <br>Ready for Review-Document Uploaded. BORROWER ONLY OWNS 50% OF COMPANY. P&L INCOME WAS DIVIDED BY TWO TO COME UP WITH FINAL FIGURE - Seller-09/11/2025 <br>Open-As per the final 1003 we have the income $30,000 and in 1008document $28,461.96 and in file we have the P&L statement in the income shows $61,667.57, Provide the correct income documents. - Due Diligence Vendor-09/10/2025 | Ready for Review-Document Uploaded. BORROWER ONLY OWNS 50% OF COMPANY. P&L INCOME WAS DIVIDED BY TWO TO COME UP WITH FINAL FIGURE - Seller-09/11/2025<br>| Resolved-Updated 1003 & 1008 Provided with updated income as borrower owns 50% of the company income is divided by 2 now income is matching with P&L docs hence condition resolved. - Due Diligence Vendor-09/12/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5478498 | N/A | N/A |
| XXXX | XXXX |  | 67798554 | Closed | 2025-09-10 10:53 | 2025-09-12 10:14 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-Updated 1003 & 1008 Provided with updated income hence DTI is within the Guidelines now hence condition resolved. - Due Diligence Vendor-09/12/2025 <br>Ready for Review-Document Uploaded. - Seller-09/11/2025 <br>Open-As per the final 1003 we have the income $30,000 and in 1008document $28,461.96 and in file we have the P&L statement in the income shows $61,667.57 due to that there is DTI mismatch. - Due Diligence Vendor-09/10/2025 | Ready for Review-Document Uploaded. - Seller-09/11/2025<br>| Resolved-Updated 1003 & 1008 Provided with updated income hence DTI is within the Guidelines now hence condition resolved. - Due Diligence Vendor-09/12/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5478718 | N/A | N/A |
| XXXX | XXXX |  | 67798554 | Closed | 2025-09-10 10:22 | 2025-09-12 10:12 | Resolved | 1 - Information C A | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Resolved-Updated 1003 Provided by Removing assets hence no longer required hence condition resolved. - Due Diligence Vendor-09/12/2025 <br> Resolved-Asset Record 3 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-09/12/2025 <br> Ready for Review-Document Uploaded. REVISED 1003 REMOVING SAID ASSETS - Seller-09/11/2025 <br> Open-Asset Record 3 Does Not Meet G/L Requirements As per the Final 1003 we have the asset amount $XXXX but there is not proof of document. Provide it. - Due Diligence Vendor-09/10/2025 | Ready for Review-Document Uploaded. REVISED 1003 REMOVING SAID ASSETS - Seller-09/11/2025<br>| Resolved-Updated 1003 Provided by Removing assets hence no longer required hence condition resolved. - Due Diligence Vendor-09/12/2025 <br>Resolved-Asset Record 3 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-09/12/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5478546 | N/A | N/A |
| XXXX | XXXX |  | 67798554 | Closed | 2025-09-10 10:22 | 2025-09-12 10:11 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Updated 1003 Provided by Removing assets hence no longer required hence condition resolved. - Due Diligence Vendor-09/12/2025 <br>Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-09/12/2025 <br>Ready for Review-Document Uploaded. REVISED FINAL 1003 ATTACHED REMOVING SAID ASSETS - Seller-09/11/2025 <br>Open-Asset Record 2 Does Not Meet G/L Requirements As per the Final 1003 we have the asset amount $930 but there is not proof of document. Provide it.<br> - Due Diligence Vendor-09/10/2025 | Ready for Review-Document Uploaded. REVISED FINAL 1003 ATTACHED REMOVING SAID ASSETS - Seller-09/11/2025<br>| Resolved-Updated 1003 Provided by Removing assets hence no longer required hence condition resolved. - Due Diligence Vendor-09/12/2025 <br>Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-09/12/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5478545 | N/A | N/A |
| XXXX | XXXX |  | 67798554 | Closed | 2025-09-10 10:16 | 2025-09-12 10:05 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Requested updated 1008 provided with updated Fico & Risk selection hence condition resolved. - Due Diligence Vendor-09/12/2025 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-09/12/2025 <br>Ready for Review-Document Uploaded. - Seller-09/11/2025 <br>Open-The 1008 document is missing from the loan file. Risk Assessment and FICO value not provided in the 1008 document, provide the updated 1008 documents with FICO value and Risk Assessment check mark. - Due Diligence Vendor-09/10/2025 | Ready for Review-Document Uploaded. - Seller-09/11/2025<br>| Resolved-Requested updated 1008 provided with updated Fico & Risk selection hence condition resolved. - Due Diligence Vendor-09/12/2025 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-09/12/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5478507 | N/A | N/A |
| XXXX | XXXX |  | 67798554 | Closed | 2025-09-10 12:01 | 2025-09-11 13:05 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-Reopened with XXXX run - Due Diligence Vendor-09/11/2025 <br>Open- - Due Diligence Vendor-09/11/2025 <br>Resolved-The loan's (9.846%) APR equals or exceeds the Federal HPML threshold of (9.84%). The threshold is determined by adding 3.5 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 (6.34%).(12 CFR 1026.35(a)(1)(iii)) 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. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg #263, An interior and exterior appraisal was completed for this property – see pg. #15, Final CD is on page #81the appraisal disclosure was provided to the borrower pg. #56confirmation the appraisal was delivered to the borrower in file page #125-126. The loan Meets HPML guideline, resolved - Due Diligence Vendor-09/10/2025 <br>Open- - Due Diligence Vendor-09/10/2025 |  | Resolved-Reopened with XXXX run - Due Diligence Vendor-09/11/2025 <br>Resolved-The loan's (9.846%) APR equals or exceeds the Federal HPML threshold of (9.84%). The threshold is determined by adding 3.5 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 (6.34%).(12 CFR 1026.35(a)(1)(iii)) 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. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg #263, An interior and exterior appraisal was completed for this property – see pg. #15, Final CD is on page #81the appraisal disclosure was provided to the borrower pg. #56confirmation the appraisal was delivered to the borrower in file page #125-126. The loan Meets HPML guideline, resolved - Due Diligence Vendor-09/10/2025<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5479235 | N/A | N/A |
| XXXX | XXXX |  | 67798554 | Closed | 2025-09-10 12:01 | 2025-09-11 13:05 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-Reopened with XXXX run - Due Diligence Vendor-09/11/2025 <br>Open- - Due Diligence Vendor-09/11/2025 <br>Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (9.846%) equals or exceeds the California HPML threshold of (9.84%). The threshold is determined by adding 3.5 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 (6.34%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) 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. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg #263, An interior and exterior appraisal was completed for this property – see pg. #15, Final CD is on page #81the appraisal disclosure was provided to the borrower pg. #56confirmation the appraisal was delivered to the borrower in file page #125-126. The loan Meets HPML guideline, resolved - Due Diligence Vendor-09/10/2025 <br>Open- - Due Diligence Vendor-09/10/2025 |  | Resolved-Reopened with XXXX run - Due Diligence Vendor-09/11/2025 <br>Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (9.846%) equals or exceeds the California HPML threshold of (9.84%). The threshold is determined by adding 3.5 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 (6.34%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) 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. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg #263, An interior and exterior appraisal was completed for this property – see pg. #15, Final CD is on page #81the appraisal disclosure was provided to the borrower pg. #56confirmation the appraisal was delivered to the borrower in file page #125-126. The loan Meets HPML guideline, resolved - Due Diligence Vendor-09/10/2025<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5479234 | N/A | N/A |

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## Exhibit 99.6

[VISTA POINT ASSETS LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.6 - Schedule 3**

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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXXX |  | 66699590 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 24.07 | 84.14 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 | XXXX |
| XXXX |  | 67439535 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 9.31 | 42.43 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 | XXXX |
| XXXX |  | 60256058 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 14.29 | 53.83 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 65967636 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 23.75 | 74.93 | XXXX | XXXX |  |  | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 61888940 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 9.68 | 47.29 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | XXXX |
| XXXX |  | 60874936 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 10.14 | 50.05 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 68134461 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 10.1 | 49.16 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.8 | XXXX |
| XXXX |  | 63129376 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 9.43 | 49.06 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 67696570 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 10.71 | 53.57 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.8 | XXXX |
| XXXX |  | 61350338 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 22.22 | 61.91 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX |  | 66569241 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 10.29 | 50.44 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 67889031 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 10.57 | 53.98 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.8 | XXXX |
| XXXX |  | 63119192 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 10.6 | 50.1 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 61932795 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 7.5 | 50.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | XXXX |
| XXXX |  | 64552953 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 9.62 | 48.08 | XXXX | XXXX | -.0897 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0897 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.8 | XXXX |
| XXXX |  | 69555829 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 19.23 | 58.85 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.6 | XXXX |
| XXXX |  | 68419698 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 15.63 | 44.17 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX |  | 63492332 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 12.21 | 54.29 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 63219892 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 37.93 | 79.91 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XXXX |
| XXXX |  | 68754827 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 25.75 | 58.03 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | XXXX |
| XXXX |  | 60851451 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 24.19 | 64.11 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | XXXX |
| XXXX |  | 64045821 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 18.51 | 69.92 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 61969426 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 16.95 | 61.29 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX |  | 64425853 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 8.77 | 61.39 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 63273854 | XXXX | XXXX |  | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | 17.68 | 29.34 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | 93 | 0.07 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 67798554 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 37.44 | 66.7 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |

---

## Exhibit 99.6

[VISTA POINT ASSETS LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.6 - Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Questionnaire Flag** | **HOA Name** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Borrower Months of Paystubs Verified** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower WVOE Flag** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Co Borrower 2 FICO** | **Most Recent Co Borrower 3 FICO** | **Updated Credit Report Flag** | **Updated Credit Report Date** | **Updated FICO Method** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Updated Primary Borrower FICO** | **Updated Co Borrower FICO** | **Updated Co Borrower 2 FICO** | **Updated Co Borrower 3 FICO** | **Updated Qualifying FICO** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Lates 30d in 0-12m** | **Prior Mortgage/Rent Lates 60d in 0-12m** | **Prior Mortgage/Rent Lates 90d in 0-12m** | **Prior Mortgage/Rent Lates 120d+ in 0-12m** | **Prior Mortgage/Rent Lates 30d in 13-24m** | **Prior Mortgage/Rent Lates 60d in 13-24m** | **Prior Mortgage/Rent Lates 90d in 13-24m** | **Prior Mortgage/Rent Lates 120d+ in 13-24m** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Subordinate Lien Max Draw Amount (HELOC)** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Leasehold Lease Expiration Date** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves (ASF)** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **E-Note Flag** | **O&E in lieu of Title Insurance** | **Business Purpose Flag** | **Borrower Note Executed As** | **Co Borrower Note Executed As** | **Co Borrower 2 Note Executed As** | **Co Borrower 3 Note Executed As** |
| XXXX |  | 66699590 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 02/07/2025 | 6.920% | Manual Underwriting | Manual Underwriting | No | 11.522% |  | 11.375% | 11.375% | $2549.99 | No | $21746.52 | $1812.21 | $6504.00 | $542.00 | $0.00 | $0.00 | $3997.32 | $8901.52 | $25461.83 | N/A | XXXX | $0.00 | XXXX |  | 32.49% | 32.49% | 32.49% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | PA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 760 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | CA | United States | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 250720.31 | 28.2 | No | 84.14 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 67439535 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 05/20/2025 | 6.870% | Manual Underwriting | Manual Underwriting | No | 8.619% |  | 8.500% | 8.500% | $5766.85 | No | $48178.56 | $4014.88 | $3751.08 | $312.59 | $0.00 | $0.00 | $7503.27 | $17597.59 | $30099.77 | N/A | XXXX | $0.00 | XXXX |  | 39.79% | 39.79% | 39.79% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 0 |  | 2+ Months | N/A | 0 |  |  | 1 | 1 |  |  | 1 | 1 NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 50.00% |  |  | Borrower Prepared | 12 | Borrower |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership, SEPartnership, SEPartnership, SEPartnership - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1065, 1120S, K1), YTD Profit And Loss Verified, 2+ Months Paystubs Verified, Executed 4506T Verified, IRS Transcripts Verified - 2025, 2024, 2023 | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1065, 1120S, K1), Executed 4506T Verified, IRS Transcripts Verified - 2025, 2024, 2023 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 783 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 22896.15 | 1.3 | 22896.15 | 1.3 | No | 9.31 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 60256058 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/12/2025 | 6.880% | Manual Underwriting | Manual Underwriting | No | 8.912% |  | 8.750% | 8.750% | $3933.50 | No | $12139.08 | $1011.59 | $4448.16 | $370.68 | $0.00 | $0.00 | $6391.36 | $11707.13 | $343906.38 | N/A | XXXX | $0.00 | XXXX |  | 3.92% | 3.90% | 3.90% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 50.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership - Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower - Executed 4506T Verified | Borrower - Executed 4506T Verified - 2024, 2025 \|\| Co Borrower - Executed 4506T Verified | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 726 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License | CA | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 562532.46 | 48.1 | 796509.60 | 68 | No | 53.83 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXXX |  | 65967636 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 10.875% | 10.875% | $1791.49 | No | $5341.08 | $445.09 | $2703.12 | $225.26 | $0.00 | $0.00 | $1991.40 | $4453.24 |  | N/A | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.797 | 1.179 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | IL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 734 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 153039.12 | 34.4 | 306078.24 | 68.7 | No | 74.93 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 61888940 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 10.500% | 10.500% | $6860.54 | No | $47490.72 | $3957.56 | $12561.12 | $1046.76 | $2400.00 | $200.00 | $24609.49 | $36674.35 |  | N/A | XXXX CA | $200.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.047 | 1.047 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 719 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 687107.97 | 18.7 | No | 47.29 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 60874936 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 10.500% | 10.500% | $6860.54 | No | $36692.16 | $3057.68 | $12730.32 | $1060.86 | $2400.00 | $200.00 | $24934.52 | $36113.60 |  | N/A | XXXX CA | $200.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.108 | 1.1 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 719 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | Patriot Act Form | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 671671.83 | 18.6 | No | 50.05 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 68134461 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 10.500% | 10.500% | $6860.54 | No | $26000.88 | $2166.74 | $12661.20 | $1055.10 | $2400.00 | $200.00 | $23362.20 | $33644.58 |  | N/A | XXXX CA | $200.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.189 | 1.08 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 719 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 676510.71 | 20.1 | No | 49.16 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 63129376 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 10.500% | 10.500% | $6860.54 | No | $44757.72 | $3729.81 | $11648.04 | $970.67 | $2400.00 | $200.00 | $26328.26 | $38089.28 |  | N/A | XXXX CA | $200.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.092 | 1.092 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 719 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | N/A | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 633546.68 | 16.6 | No | 49.06 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 67696570 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 10.500% | 10.500% | $6860.54 | No | $35085.24 | $2923.77 | $12532.20 | $1044.35 | $2400.00 | $200.00 | $24860.32 | $35888.98 |  | N/A | XXXX CA | $200.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.025 | 1.02 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 719 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 680464.97 | 19 | No | 53.57 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 61350338 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 07/02/2025 | 6.770% | Manual Underwriting | Manual Underwriting | No | 10.629% |  | 10.000% | 10.000% | $1755.14 | No | $8698.68 | $724.89 | $1658.52 | $138.21 | $7260.00 | $605.00 | $1312.79 | $4536.03 | $10134.97 | N/A | XXXX CA | $605.00 | XXXX | Monthly | 45.19% | 44.89% | 44.89% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | Tax Preparer |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - YTD Profit And Loss Verified, Executed 4506T Verified - 2024, 2025 | Borrower - Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 721 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 189109.26 | 41.7 | No | 61.91 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 66569241 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 10.500% | 10.500% | $6403.18 | No | $26911.68 | $2242.64 | $8595.96 | $716.33 | $2400.00 | $200.00 | $22411.90 | $31974.05 |  | N/A | XXXX CA | $200.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.001 | 1.001 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 719 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | N/A | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 633595.69 | 19.8 | No | 50.44 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 67889031 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 10.500% | 10.500% | $6860.54 | No | $38540.76 | $3211.73 | $10709.04 | $892.42 | $2400.00 | $200.00 | $26485.78 | $37650.47 |  | N/A | XXXX CA | $200.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.02 | 1.02 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 719 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act Disclose - Driver's License | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 647296.02 | 17.2 | No | 53.98 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 63119192 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 10.500% | 10.500% | $6860.54 | No | $37563.36 | $3130.28 | $9203.64 | $766.97 | $2400.00 | $200.00 | $23378.50 | $34336.29 |  | N/A | XXXX CA | $200.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.118 | 1.11 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 719 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | Patriot Act Form | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 645953.10 | 18.8 | No | 50.1 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 61932795 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 10.500% | 10.500% | $5488.44 | No | $44706.12 | $3725.51 | $12318.72 | $1026.56 | $2400.00 | $200.00 | $28175.03 | $38615.54 |  | N/A | XXXX CA | $200.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.036 | 1.03 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 719 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 488127.72 | 12.6 | No | 50 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 64552953 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 10.500% | 10.500% | $6860.54 | No | $40472.88 | $3372.74 | $8482.44 | $706.87 | $2400.00 | $200.00 | $25074.53 | $36214.68 |  | N/A | XXXX CA | $200.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.138 | 1.138 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 719 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | N/A | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 645837.53 | 17.8 | No | 48.08 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 69555829 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/16/2025 | 6.890% | Manual Underwriting | Manual Underwriting | No | 8.823% |  | 8.750% | 8.750% | $3933.50 | No | $18171.84 | $1514.32 | $3468.12 | $289.01 | $0.00 | $0.00 | $4518.57 | $10255.40 | $19940.01 | N/A | XXXX | $0.00 | XXXX |  | 42.39% | 42.37% | 42.37% | No | No |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 2 YRS W2 | 0 | 2+ Months NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | Yes | Yes | 12 | 0 | 49.42% | 0.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified - 2024, 2025 \|\| Co Borrower - SESoleProprietor - 2 YRS Executed 4506T Verified, Personal Bank Statements Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 734 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use | CA | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 11293.39 | 1.1 | 11293.39 | 1.1 | No | 58.85 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXXX |  | 68419698 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 07/18/2025 | 6.750% | Manual Underwriting | Manual Underwriting | No | 8.204% |  | 8.125% | 8.125% | $3712.49 | No | $21361.80 | $1780.15 | $3098.04 | $258.17 | $0.00 | $0.00 | $4335.00 | $10085.81 | $35407.19 | N/A | XXXX | $0.00 | XXXX |  | 42.45% | 42.70% | 42.70% | Yes | Yes |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | 2YR Full Doc | 2 YRS W2 | 0 | 2+ Months NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | Yes | 36 | 24 | Other NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - 2023, 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified - 2023, 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 766 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License | CA | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 752702.35 | 74.6 | No | 44.17 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXXX |  | 63492332 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 07/08/2025 | 6.670% | Manual Underwriting | Manual Underwriting | No | 10.322% |  | 9.875% | 9.875% | $2084.04 | No | $16028.88 | $1335.74 | $3672.12 | $306.01 | $0.00 | $0.00 | $5043.00 | $8768.79 | $32861.21 | N/A | XXXX | $0.00 | XXXX |  | 25.66% | 25.63% | 25.63% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | Accountant/Bookkeeper |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - YTD Profit And Loss Verified, Executed 4506T Verified - 2025, 2024 | Borrower - Executed 4506T Verified - 2025, 2024 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 712 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 85494.47 | 9.8 | No | 54.29 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 63219892 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 08/04/2025 | 6.750% | Manual Underwriting | Manual Underwriting | No | 9.073% |  | 8.875% | 8.875% | $4539.41 | No | $12539.04 | $1044.92 | $2767.08 | $230.59 | $0.00 | $0.00 | $2846.61 | $8661.53 | $16498.47 | N/A | XXXX | $0.00 | XXXX |  | 48.99% | 49.98% | 49.98% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 50.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2025, 2024 | Borrower - 2025, 2024 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 761 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 251988.08 | 29.1 | No | 79.91 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 68754827 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 08/08/2025 | 6.750% | Manual Underwriting | Manual Underwriting | No | 9.403% |  | 9.250% | 9.250% | $2468.03 | No | $6695.28 | $557.94 | $2018.52 | $168.21 | $0.00 | $0.00 | $2197.95 | $5392.13 | $12580.83 | N/A | XXXX | $0.00 | XXXX |  | 33.43% | 33.43% | 33.43% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 792 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 293739.50 | 54.5 | No | 58.03 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 60851451 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 07/18/2025 | 6.750% | Manual Underwriting | Manual Underwriting | No | 8.599% |  | 8.500% | 8.500% | $5766.85 | No | $22100.64 | $1841.72 | $2169.00 | $180.75 | $0.00 | $0.00 | $8174.67 | $15963.99 | $44756.31 | N/A | XXXX | $0.00 | XXXX |  | 42.07% | 42.01% | 42.01% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 757 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License | CA | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 741675.05 | 43.2 | No | 64.11 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXXX |  | 64045821 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  | 08/05/2025 | 6.750% | Manual Underwriting | Manual Underwriting | No | 10.309% |  | 9.875% | 9.875% | $1788.80 | No | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3681.29 | $5470.09 | $27443.64 | N/A | XXXX | $0.00 | XXXX |  | 48.03% | 48.39% | 48.39% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower | Borrower - 2024, 2025 \|\| Co Borrower | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 701 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License | CA | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 196995.19 | 36 | No | 69.92 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXXX |  | 61969426 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  | 08/04/2025 | 6.750% | Manual Underwriting | Manual Underwriting | No | 8.996% |  | 8.875% | 8.875% | $3978.22 | No | $20387.40 | $1698.95 | $2904.96 | $242.08 | $0.00 | $0.00 | $9902.93 | $15822.18 | $41311.39 | N/A | XXXX | $0.00 | XXXX |  | 42.97% | 46.47% | 46.47% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower | Borrower - 2024, 2025 \|\| Co Borrower | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 757 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License | CA | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | .00 | 0 | No | 61.29 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXXX |  | 64425853 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 9.875% | 9.875% | $4341.74 | No | $24690.24 | $2057.52 | $10586.04 | $882.17 | $0.00 | $0.00 | $24157.91 | $31439.34 |  | N/A | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.018 | 1.01 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 748 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 451982.17 | 14.4 | No | 61.39 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 63273854 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 08/18/2025 | 6.610% | Manual Underwriting | Manual Underwriting | No | 9.628% |  | 8.990% | 8.990% | $1447.03 | No | $8868.96 | $739.08 | $2567.52 | $213.96 | $3840.00 | $320.00 | $748.60 | $3468.67 | $11269.66 | Yes | XXXX CA | $320.00 | XXXX | Monthly | 34.73% | 34.71% | 34.71% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Business P&L | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 24 | Tax Preparer |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - YTD Profit And Loss Verified, Executed 4506T Verified - 2023, 2024, 2025 | Borrower - Executed 4506T Verified - 2023, 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 711 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 164727.23 | 47.5 | No | 29.34 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 67798554 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 07/30/2025 | 6.340% | Manual Underwriting | Manual Underwriting | No | 9.771% |  | 9.375% | 9.375% | $2923.58 | No | $0.00 | $0.00 | $2453.00 | $0.00 | $984.00 | $82.00 | $3132.67 | $6138.25 | $17600.24 | N/A | XXXX CA | $82.00 | XXXX | Monthly | 44.62% | 42.92% | 42.92% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | Tax Preparer |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 781 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 9244.88 | 1.5 | 291594.26 | 46 | No | 66.7 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |

---

## Exhibit 99.6

[VISTA POINT ASSETS LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.6 - Schedule 5**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXX |  | 66699590 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 67439535 | XXXX | XXXX | manual | XXXX | XXXX | XXXX |
| XXXX |  | 65967636 | XXXX | XXXX | manual | XXXX | XXXX | XXXX |

---

## Exhibit 99.7

[VISTA POINT ASSETS LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.7**

![](ex997001.jpg)

**Overview**

The StoneHill Group, Inc. ("TSG") performed certain due diligence services (the "Review") described below on loans backed by residential properties (both residential mortgage loans and small balance commercial loans secured by residential properties or mixed-use properties being leased to generate income; together the "Loans") acquired by Vista Point Mortgage, LLC (the "Client"). The Review took place from April 2025 – September 2025 on Loans with origination dates in April 2025 – September 2025 on files imaged and provided by the Client or its designee.

**Sample size of the assets reviewed.**

During the securitization review process, the Client may have removed loans that were reviewed by TSG from the securitization for paid-in-full mortgage loans or other undisclosed items to TSG. The final population of the Review included 182 Loans totaling an original principal balance of approximately $41,932,092.00. The review conducted by TSG covered 100% of the securitization loan population to the best of TSG's knowledge and understanding.

Within this population (the "Residential Population") there were 146 Loans that were reviewed by TSG according to nationally recognized statistical rating organizations (NRSRO(s)) standards. NRSRO standards include guidance for compliance, credit, and valuation, among others.

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

The Review was conducted consistent with the criteria, as may be relevant for this securitization, for the NRSRO(s) identified in Item 3 of the ABS Due Diligence-15E.

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

TSG compared data fields on the bid tape provided by the Client to the data found in the Loan file as captured during the Review. The fields captured varied dependent upon such Loan being in the Residential Population or the SBCRE Population as defined below. Additional detail can be found in the result summary for Data Integrity below.

**NRSRO/RESIDENTIAL POPULATION (114 Fields)**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;AllBorrowerIncomefromEmploymentTotal | &nbsp;&nbsp;CashOutMeetsGuidelineRequirements | &nbsp;&nbsp;PrepaymentPenaltyTotalTerm |
| &nbsp;&nbsp;AllBorrowerTotalIncome | &nbsp;&nbsp;ClosingSettlementDate | &nbsp;&nbsp;PrepaymentPenaltyType |
| &nbsp;&nbsp;AmortizationTerm | &nbsp;&nbsp;CLTV | &nbsp;&nbsp;PrimaryAppraisedPropertyValue |
| &nbsp;&nbsp;AmountofOtherLien | &nbsp;&nbsp;CUScore | &nbsp;&nbsp;PropertyAddress |
| &nbsp;&nbsp;ApplicationDate | &nbsp;&nbsp;DSCR | &nbsp;&nbsp;PropertyCity |
| &nbsp;&nbsp;B1AnyOutstandingJudgments | &nbsp;&nbsp;EffectiveDateTitleCommitment | &nbsp;&nbsp;PropertyCounty |
| &nbsp;&nbsp;B1Anypartofdownpaymentborrowed | &nbsp;&nbsp;EscrowIndicator | &nbsp;&nbsp;PropertyRights |
| &nbsp;&nbsp;B1Bankruptcyinpast7years | &nbsp;&nbsp;FHAStreamlineVAIRRLIndicator | &nbsp;&nbsp;PropertyState |
| &nbsp;&nbsp;B1BirthDate | &nbsp;&nbsp;FinalReviewedQMStatus | &nbsp;&nbsp;PropertyTaxAmount |
| &nbsp;&nbsp;B1Citizen | &nbsp;&nbsp;FirstPaymentDate | &nbsp;&nbsp;PropertyType |
| &nbsp;&nbsp;B1CountryName | &nbsp;&nbsp;HOAFlag | &nbsp;&nbsp;PropertyValue |
| &nbsp;&nbsp;B1Doyouintendtooccupypropertyasprimaryresidence | &nbsp;&nbsp;InitialMonthlyPIOrIOPayment | &nbsp;&nbsp;PropertyZipCode |
| &nbsp;&nbsp;B1EmailorInternet | &nbsp;&nbsp;InitialOriginatorSignatureDate | &nbsp;&nbsp;ProposedFirstMortgagePI |
| &nbsp;&nbsp;B1EthnicityIdonotwishtoprovidethisinformation | &nbsp;&nbsp;InterestOnlyFlag | &nbsp;&nbsp;ProposedHazardInsurance |
| &nbsp;&nbsp;B1EthnicityNotHispanicorLatino | &nbsp;&nbsp;InterestRate | &nbsp;&nbsp;ProposedHOA |

---

![](ex997001.jpg)

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;B1EthnicityVisualObservationorSurname | &nbsp;&nbsp;LienPosition | &nbsp;&nbsp;ProposedHousingExpense |
| &nbsp;&nbsp;B1FirstName | &nbsp;&nbsp;LoanAmount | &nbsp;&nbsp;ProposedMortgageInsurance |
| &nbsp;&nbsp;B1Foreclosureinpast7years | &nbsp;&nbsp;LoanID | &nbsp;&nbsp;ProposedOther |
| &nbsp;&nbsp;B1LastName | &nbsp;&nbsp;LoanOriginationCompany | &nbsp;&nbsp;ProposedOtherFinancingPI |
| &nbsp;&nbsp;B1MaritalStatus | &nbsp;&nbsp;LoanOriginationCompanyNMLS | &nbsp;&nbsp;ProposedRealEstateTaxes |
| &nbsp;&nbsp;B1MiddleName | &nbsp;&nbsp;LoanOriginatorName | &nbsp;&nbsp;PUDRider |
| &nbsp;&nbsp;B1OriginationFICO | &nbsp;&nbsp;LoanProgram | &nbsp;&nbsp;QMQualifyingTotalHousingExpensePITIA |
| &nbsp;&nbsp;B1OriginatorCitizenshipDesignation | &nbsp;&nbsp;LoanPurpose | &nbsp;&nbsp;QualifyingCLTV |
| &nbsp;&nbsp;B1PhoneNumber | &nbsp;&nbsp;LoanType | &nbsp;&nbsp;QualifyingFICO |
| &nbsp;&nbsp;B1RaceBlackorAfricanAmerican | &nbsp;&nbsp;MaturityDate | &nbsp;&nbsp;QualifyingLTV |
| &nbsp;&nbsp;B1RaceIdonotwishtoprovidethisinformation | &nbsp;&nbsp;MINNo | &nbsp;&nbsp;QualifyingTotalDebtIncomeRatio |
| &nbsp;&nbsp;B1RentorOwn | &nbsp;&nbsp;MonthlyPropertyTaxAmount | &nbsp;&nbsp;QualifyingTotalHousingExpensePITIA |
| &nbsp;&nbsp;B1SexFemale | &nbsp;&nbsp;NegativeAmortizationFlag | &nbsp;&nbsp;RefinanceType |
| &nbsp;&nbsp;B1SexIdonotwishtoprovidethisinformation | &nbsp;&nbsp;NoteDate | &nbsp;&nbsp;SubjectPropertyGrossRentalIncome |
| &nbsp;&nbsp;B1SSN | &nbsp;&nbsp;NoteType | &nbsp;&nbsp;Term |
| &nbsp;&nbsp;B1TotalIncome | &nbsp;&nbsp;NumberofBorrowers | &nbsp;&nbsp;ULI |
| &nbsp;&nbsp;B1YearsinCurrentHome | &nbsp;&nbsp;NumberofUnits | &nbsp;&nbsp;UnderwritingGuidelineLenderName |
| &nbsp;&nbsp;B2Citizen | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;UnderwritingGuidelineName |
| &nbsp;&nbsp;B2FirstName | &nbsp;&nbsp;OriginatorDocType | &nbsp;&nbsp;UnderwritingGuidelineProductName |
| &nbsp;&nbsp;B2LastName | &nbsp;&nbsp;OriginatorDSCR | &nbsp;&nbsp;UnderwritingGuidelineVersionDate |
| &nbsp;&nbsp;B2OriginatorCitizenshipDesignation | &nbsp;&nbsp;OriginatorQMStatus |  |
| &nbsp;&nbsp;B2SSN | &nbsp;&nbsp;OtherLienLoanId |  |
| &nbsp;&nbsp;BalloonFlag | &nbsp;&nbsp;PrepaymentPenalty |  |
| &nbsp;&nbsp;CashDisbursementDate | &nbsp;&nbsp;PrepaymentPenaltyFlag |  |

---

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

TSG's review was differentiated by the purpose of the loan in question and the guidelines for such loan origination. The description below differentiates between the Residential Population and the SBCRE Population.

**Residential Population (146 Loans)**

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

![](ex997001.jpg)

**Credit Application:** For the Credit Application, TSG 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:** TSG'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, TSG: (i) captured the monthly consumer debt payments for use in required calculations as required by guidelines, (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 required by guidelines, 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:** TSG determined whether applicable supporting employment and income documentation required by the guidelines, and as applicable, Appendix Q or ATR, was present in the mortgage loan file and where possible, was not fraudulent. This documentation was used to verify whether the income used to qualify the mortgage loan was calculated in accordance with the guidelines and may have included items such as: (i) verbal or written verification of employment, (ii) pay stubs, (iii) W-2 forms, (iv) tax returns, (v) financial statements, (vi) IRS tax transcripts, and (vii) Bank Statements.

**Asset Review:** TSG 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, TSG completed a review of large deposits and completed the reserve calculation. 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 conducted. During the course of this review, TSG (i) verified that the hazard insurance met the minimum required amount of coverage in the guidelines, (ii) confirmed that the mortgagee 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.

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

**Fraud Review:** TSG 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, TSG conditioned the mortgage loan for the missing fraud report product.

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If a report was present, TSG 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, TSG 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:** TSG's review included a review of the chain of title and the time 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:** TSG 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 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 or other applicable approved formats at the time of origination.

TSG also 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 (if required by loan product 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 History\* | &nbsp;&nbsp;Certification(s) of Non-Owner Occupancy and Indemnity\* |
| &nbsp;&nbsp;Background check | &nbsp;&nbsp;Environmental reports |  |

---

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

TSG'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. TSG's review included verifying the appraisal report was (i) on the appropriate GSE form (for the Residential Population), (ii) materially complete, (iii) in conformity with the guideline requirements for the property type, (iv) completed by an appraiser (for residential properties) that was actively licensed to perform the valuation,

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(v) completed, for residential properties, such that the named client on the appraisal report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, (vi) made and signed prior to the final approval of the mortgage loan application, (vii) completed and dated within the guideline requirements, (vii) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been obtained from the appropriate authorities.

Regarding the use of comparable properties, TSG'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.

Additional facets of TSG'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 were followed, (iii) noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying the Client if necessary (iv) confirming the appraisal report does not include any obvious 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 TSG, or if the valuation product was not directly accessible that another valuation product was directly accessible to TSG was ordered in accordance with the Client's specific valuation waterfall process. If more than one valuation was provided, TSG confirmed consistency among the valuation products. If there were discrepancies identified that could not be resolved, TSG created an exception.

**Residential Population (146 Loans)**

Please be advised that TSG did not determine whether the mortgage loans complied with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly stated 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 TSG are dependent upon its receiving complete and accurate data regarding the mortgage loans from mortgage loan originators and other third parties upon which TSG is relying in reaching such findings.

Regarding TILA-RESPA Integrated Disclosure ("TRID") testing, TSG implemented the TRID scope of review referenced within the Regulatory Compliance section (III) based on the RMBS 3.0 TRID Compliance Review Scope published by the Structured Finance Industry Group (the "SFIG Compliance Review Scope"). TSG will work with outside counsel as needed 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 TSG 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. TSG has worked closely with the NRSROs and the Client to disclose, as mutually agreed upon by the parties, the relevant exceptions per TSG's suggested review implementation as reviewed by outside counsel; however, no assurances can be provided and/or are given that TSG has included within its Review all areas that may represent risk to the securitization trust, or that areas of risk identified by TSG will result in the potential level of risk indicated by an Event Level or NRSRO grade. Please note that investment properties were excluded from TRID testing.

Please be further advised that TSG does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by TSG do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to TSG. Information contained in any TSG report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling

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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 TSG 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 TSG 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. TSG does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by TSG.

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty test; and

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

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

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

ii) compliance with the escrow account and appraisal requirements.

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) Note: Where available, TSG 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,
TSG's review was limited to formal general statements of entity compliance provided by the mortgage loan originator, if any.
These statements, for example, were in the form of a letter signed by the seller correspondent/mortgage loan originator or representations
in the mortgage loan purchase agreement between the Client and seller correspondent.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

vii) with respect to applicable exception remediation measures for numerical exceptions, confirm that a letter of explanation, as well as a refund as applicable, was delivered or placed in the mail no later than 60 days after discovery of the exception establishing the need for a revised CD or with respect to exception remediation measures for non-numerical exceptions, that a corrected CD was delivered or placed in the mail no later than 60 days after consummation. (In an attempt to establish a best practices approach to pre-securitization due diligence, as it applies to TILA RESPA Integrated Disclosure testing, the Structured Finance Industry Group ("SFIG") has a working group that consists of industry participants including third party review

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providers and law firms who agreed to a standardized approach to remediation considerations. This approach is intended to be based on a reasoned legal analysis that expressly assumes that courts will interpret TRID in accordance with the principals of liability set forth in the letter to the MBA from Richard Cordray, the Director of the CFPB. No assurances can be provided that the courts in question will interpret TRID in accordance with the SFIG Compliance Review Scope.)

&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)).

TSG 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). TSG will determine the mortgage loan's status under the ATR or QM rule requirements and assigns a due diligence mortgage loan designation. Generally, TSG notes as a material exception if the due diligence findings do not confirm the originator's mortgage loan designation. Additionally, TSG notes if an originator mortgage loan designation was not provided.

**Qualified Mortgage**

With respect to Qualified Mortgage designated mortgage loans, TSG reviews the mortgage loan to determine whether, based on available information in the mortgage loan file and information provided to us by the client regarding Revised QM options chosen by the institution during the optional adoption period from March 1, 2021 through July 1, 2021: (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) for loans with application dates prior to July 1, 2021, at the time of consummation, if the debt-to-income ratio exceeds 43% (calculated in accordance with Appendix Q to Regulation Z); for loans with application dates of July 1, 2021 or after, at the interest rate-lock date, that the Price-Based Limitation calculation meets the requirement of the APR not exceeding the APOR for a comparable transaction by 2.25% or more.. 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, TSG reviews the mortgage loan to determine whether, based on available information in the mortgage loan file, if the mortgage loan satisfied the requirements in the preceding paragraph. In addition, TSG reviews the Automated Underwriting System output within the file to confirm agency eligibility.

For each QM designated mortgage loan with an application date prior to July 1, 2021, that satisfied the applicable requirements enumerated above, TSG 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, TSG 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.

 

**General Ability to Repay**

TSG 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.

 

TSG 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"). TSG 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. TSG's review is based on information contained in the mortgage loan file at the time it is provided to TSG 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) The disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution and associated regulations;**

**(VII) 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;**

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

**(IX) Recording Review**

TSG 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 TSG reviewed the mortgage loans and thus have not yet been recorded. TSG 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, TSG will analyze and capture data from the source documents identified in the Document Review below, as applicable.

![](ex997001.jpg)

**(X) FIRREA Review**

TSG confirmed that the appraiser and the appraisal made by such appraiser both satisfied the requirements of Title XI of FIRREA. Specifically, TSG 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.

**(XI) Document Review**

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Credit report;

&nbsp;&nbsp;&nbsp;&nbsp;■ Income and employment documentation;

&nbsp;&nbsp;&nbsp;&nbsp;■ 4506T and/or 4506C as applicable;

&nbsp;&nbsp;&nbsp;&nbsp;■ Asset documentation;

&nbsp;&nbsp;&nbsp;&nbsp;■ Sales contract;

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Appraisal;

&nbsp;&nbsp;&nbsp;&nbsp;■ Title/Preliminary Title;

&nbsp;&nbsp;&nbsp;&nbsp;■ Final 1003;

&nbsp;&nbsp;&nbsp;&nbsp;■ Changed circumstance documentation;

&nbsp;&nbsp;&nbsp;&nbsp;■ Right of Rescission Disclosure;

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Note;

&nbsp;&nbsp;&nbsp;&nbsp;■ Mortgage Insurance;

&nbsp;&nbsp;&nbsp;&nbsp;■ Tangible Net Benefit Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;■ Subordination Agreement;

&nbsp;&nbsp;&nbsp;&nbsp;■ FACTA disclosures;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Final HUD-1;

&nbsp;&nbsp;&nbsp;&nbsp;■ Initial TIL;

&nbsp;&nbsp;&nbsp;&nbsp;■ Final TIL;

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Closing Disclosures; and

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

![](ex997001.jpg)

**Item 5. Summary of findings and conclusions of review**

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the requirements of the NRSROs listed in Item 3 above.

**OVERALL RESULTS GRADING SUMMARY**

After considering the grading implications of the Compliance, Credit, and Property/Valuation sections below, 100%

of the Loans by number in the pool possessed a grade of "A" or "B".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Rating Agency Final Overall Grade Summary** | &nbsp;&nbsp;**Rating Agency Final Overall Grade Summary** | &nbsp;&nbsp;**Rating Agency Final Overall Grade Summary** |
| &nbsp;&nbsp;**Overall** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;150 | &nbsp;&nbsp;82.42% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;32 | &nbsp;&nbsp;17.58% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**182** | &nbsp;&nbsp;**100.0%** |

---

**COMPLIANCE RESULTS SUMMARY**

181 Loans (99.45%) received an "A" compliance grade, and 1 Loan (.55%) received a compliance grade of "B"

The resulting Compliance Grades for the mortgage loans are as follows:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;181 | &nbsp;&nbsp;99.45% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.55% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**182** | &nbsp;&nbsp;**100.0%** |

---

**CREDIT RESULTS SUMMARY**

Within the securitization population, 100% of the Loans possessed an "A" or "B" grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;151 | &nbsp;&nbsp;82.97% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;31 | &nbsp;&nbsp;17.03% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**182** | &nbsp;&nbsp;**100.0%** |

---

**PROPERTY RESULTS SUMMARY**

Within the securitization population, 70.33% of the Loans possessed an "A" or "B" grade. The remaining 29.67%,

54 loans, possessed a grade of N/A as allowed for second lien loans where there is a primary valuation in file but

without a secondary valuation product.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;125 | &nbsp;&nbsp;68.68% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;3 | &nbsp;&nbsp;1.65% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;54 | &nbsp;&nbsp;29.67% |

---

![](ex997001.jpg)

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**182** | &nbsp;&nbsp;**100.0%** |

---

**DATA INTEGRITY REVIEW RESULTS SUMMARY**

TSG verified data field variances across 114 unique data fields. Some Loans may have exhibited multiple variances which, in some cases, may have resulted from blank data in a submitted data tape. A summary is provided below:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**% Variance** |
| &nbsp;&nbsp;AllBorrowerIncomefromEmploymentTotal | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50% |
| &nbsp;&nbsp;AllBorrowerTotalIncome | &nbsp;&nbsp;3 | &nbsp;&nbsp;5 | &nbsp;&nbsp;60% |
| &nbsp;&nbsp;AmortizationTerm | &nbsp;&nbsp;1 | &nbsp;&nbsp;160 | &nbsp;&nbsp;0.62% |
| &nbsp;&nbsp;AmountofOtherLien | &nbsp;&nbsp;40 | &nbsp;&nbsp;40 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;ApplicationDate | &nbsp;&nbsp;19 | &nbsp;&nbsp;67 | &nbsp;&nbsp;28.36% |
| &nbsp;&nbsp;B1AnyOutstandingJudgments | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B1Anypartofdownpaymentborrowed | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B1Bankruptcyinpast7years | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B1BirthDate | &nbsp;&nbsp;0 | &nbsp;&nbsp;65 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B1Citizen | &nbsp;&nbsp;2 | &nbsp;&nbsp;40 | &nbsp;&nbsp;5% |
| &nbsp;&nbsp;B1CountryName | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;B1Doyouintendtooccupypropertyasprimaryresidence | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B1EmailorInternet | &nbsp;&nbsp;14 | &nbsp;&nbsp;15 | &nbsp;&nbsp;93.33% |
| &nbsp;&nbsp;B1EthnicityIdonotwishtoprovidethisinformation | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B1EthnicityNotHispanicorLatino | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B1EthnicityVisualObservationorSurname | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B1FirstName | &nbsp;&nbsp;13 | &nbsp;&nbsp;170 | &nbsp;&nbsp;7.65% |
| &nbsp;&nbsp;B1Foreclosureinpast7years | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B1LastName | &nbsp;&nbsp;9 | &nbsp;&nbsp;179 | &nbsp;&nbsp;5.03% |
| &nbsp;&nbsp;B1MaritalStatus | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B1MiddleName | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B1OriginationFICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B1OriginatorCitizenshipDesignation | &nbsp;&nbsp;1 | &nbsp;&nbsp;15 | &nbsp;&nbsp;6.67% |
| &nbsp;&nbsp;B1PhoneNumber | &nbsp;&nbsp;24 | &nbsp;&nbsp;24 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;B1RaceBlackorAfricanAmerican | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |

---

![](ex997001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;B1RaceIdonotwishtoprovidethisinformation | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B1RentorOwn | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B1SexFemale | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B1SexIdonotwishtoprovidethisinformation | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B1SSN | &nbsp;&nbsp;1 | &nbsp;&nbsp;65 | &nbsp;&nbsp;1.54% |
| &nbsp;&nbsp;B1TotalIncome | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B1YearsinCurrentHome | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;B2Citizen | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B2FirstName | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B2LastName | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B2OriginatorCitizenshipDesignation | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B2SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;BalloonFlag | &nbsp;&nbsp;15 | &nbsp;&nbsp;65 | &nbsp;&nbsp;23.08% |
| &nbsp;&nbsp;CashDisbursementDate | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;CashOutMeetsGuidelineRequirements | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;ClosingSettlementDate | &nbsp;&nbsp;14 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;CLTV | &nbsp;&nbsp;125 | &nbsp;&nbsp;151 | &nbsp;&nbsp;82.78% |
| &nbsp;&nbsp;CUScore | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;12 | &nbsp;&nbsp;77 | &nbsp;&nbsp;15.58% |
| &nbsp;&nbsp;EffectiveDateTitleCommitment | &nbsp;&nbsp;4 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;EscrowIndicator | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;FHAStreamlineVAIRRLIndicator | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;FinalReviewedQMStatus | &nbsp;&nbsp;4 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;FirstPaymentDate | &nbsp;&nbsp;0 | &nbsp;&nbsp;64 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;HOAFlag | &nbsp;&nbsp;4 | &nbsp;&nbsp;21 | &nbsp;&nbsp;19.05% |
| &nbsp;&nbsp;InitialMonthlyPIOrIOPayment | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;InitialOriginatorSignatureDate | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;InterestOnlyFlag | &nbsp;&nbsp;1 | &nbsp;&nbsp;65 | &nbsp;&nbsp;1.54% |
| &nbsp;&nbsp;InterestRate | &nbsp;&nbsp;0 | &nbsp;&nbsp;181 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;LienPosition | &nbsp;&nbsp;0 | &nbsp;&nbsp;67 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;LoanAmount | &nbsp;&nbsp;43 | &nbsp;&nbsp;143 | &nbsp;&nbsp;30.07% |
| &nbsp;&nbsp;LoanID | &nbsp;&nbsp;18 | &nbsp;&nbsp;180 | &nbsp;&nbsp;10% |
| &nbsp;&nbsp;LoanOriginationCompany | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;LoanOriginationCompanyNMLS | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;LoanOriginatorName | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50% |
| &nbsp;&nbsp;LoanProgram | &nbsp;&nbsp;2 | &nbsp;&nbsp;18 | &nbsp;&nbsp;11.11% |
| &nbsp;&nbsp;LoanPurpose | &nbsp;&nbsp;31 | &nbsp;&nbsp;179 | &nbsp;&nbsp;17.32% |

---

![](ex997001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;LoanType | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;MaturityDate | &nbsp;&nbsp;0 | &nbsp;&nbsp;52 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;MINNo | &nbsp;&nbsp;2 | &nbsp;&nbsp;63 | &nbsp;&nbsp;3.17% |
| &nbsp;&nbsp;MonthlyPropertyTaxAmount | &nbsp;&nbsp;6 | &nbsp;&nbsp;14 | &nbsp;&nbsp;42.86% |
| &nbsp;&nbsp;NegativeAmortizationFlag | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;NoteDate | &nbsp;&nbsp;15 | &nbsp;&nbsp;62 | &nbsp;&nbsp;24.19% |
| &nbsp;&nbsp;NoteType | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;NumberofBorrowers | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;NumberofUnits | &nbsp;&nbsp;0 | &nbsp;&nbsp;67 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;31 | &nbsp;&nbsp;165 | &nbsp;&nbsp;18.79% |
| &nbsp;&nbsp;OriginatorDocType | &nbsp;&nbsp;20 | &nbsp;&nbsp;23 | &nbsp;&nbsp;86.96% |
| &nbsp;&nbsp;OriginatorDSCR | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;OriginatorQMStatus | &nbsp;&nbsp;16 | &nbsp;&nbsp;78 | &nbsp;&nbsp;20.51% |
| &nbsp;&nbsp;OtherLienLoanId | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;PrepaymentPenalty | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;PrepaymentPenaltyFlag | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50% |
| &nbsp;&nbsp;PrepaymentPenaltyTotalTerm | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;PrepaymentPenaltyType | &nbsp;&nbsp;4 | &nbsp;&nbsp;75 | &nbsp;&nbsp;5.33% |
| &nbsp;&nbsp;PrimaryAppraisedPropertyValue | &nbsp;&nbsp;2 | &nbsp;&nbsp;58 | &nbsp;&nbsp;3.45% |
| &nbsp;&nbsp;PropertyAddress | &nbsp;&nbsp;6 | &nbsp;&nbsp;180 | &nbsp;&nbsp;3.33% |
| &nbsp;&nbsp;PropertyCity | &nbsp;&nbsp;3 | &nbsp;&nbsp;179 | &nbsp;&nbsp;1.68% |
| &nbsp;&nbsp;PropertyCounty | &nbsp;&nbsp;0 | &nbsp;&nbsp;64 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;PropertyRights | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;PropertyState | &nbsp;&nbsp;4 | &nbsp;&nbsp;179 | &nbsp;&nbsp;2.23% |
| &nbsp;&nbsp;PropertyTaxAmount | &nbsp;&nbsp;5 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;PropertyType | &nbsp;&nbsp;79 | &nbsp;&nbsp;174 | &nbsp;&nbsp;45.4% |
| &nbsp;&nbsp;PropertyValue | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;PropertyZipCode | &nbsp;&nbsp;0 | &nbsp;&nbsp;179 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;ProposedFirstMortgagePI | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;ProposedHazardInsurance | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;ProposedHOA | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;ProposedHousingExpense | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;ProposedMortgageInsurance | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;ProposedOther | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;ProposedOtherFinancingPI | &nbsp;&nbsp;5 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;ProposedRealEstateTaxes | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50% |
| &nbsp;&nbsp;PUDRider | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;QMQualifyingTotalHousingExpensePITIA | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100% |

---

![](ex997001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;QualifyingCLTV | &nbsp;&nbsp;20 | &nbsp;&nbsp;25 | &nbsp;&nbsp;80% |
| &nbsp;&nbsp;QualifyingFICO | &nbsp;&nbsp;7 | &nbsp;&nbsp;153 | &nbsp;&nbsp;4.58% |
| &nbsp;&nbsp;QualifyingLTV | &nbsp;&nbsp;24 | &nbsp;&nbsp;86 | &nbsp;&nbsp;27.91% |
| &nbsp;&nbsp;QualifyingTotalDebtIncomeRatio | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;QualifyingTotalHousingExpensePITIA | &nbsp;&nbsp;11 | &nbsp;&nbsp;18 | &nbsp;&nbsp;61.11% |
| &nbsp;&nbsp;RefinanceType | &nbsp;&nbsp;3 | &nbsp;&nbsp;4 | &nbsp;&nbsp;75% |
| &nbsp;&nbsp;SubjectPropertyGrossRentalIncome | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;ULI | &nbsp;&nbsp;32 | &nbsp;&nbsp;57 | &nbsp;&nbsp;56.14% |
| &nbsp;&nbsp;UnderwritingGuidelineLenderName | &nbsp;&nbsp;4 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;UnderwritingGuidelineName | &nbsp;&nbsp;7 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;UnderwritingGuidelineProductName | &nbsp;&nbsp;36 | &nbsp;&nbsp;78 | &nbsp;&nbsp;46.15% |
| &nbsp;&nbsp;UnderwritingGuidelineVersionDate | &nbsp;&nbsp;4 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100% |

---

**ADDITIONAL MORTGAGE LOAN POPULATION SUMMARY**

*The % of Loans totals may not add up to 100% 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;182.0 | &nbsp;&nbsp;100.0% | &nbsp;&nbsp;$41932092.00 | &nbsp;&nbsp;100.0% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**182.0** | &nbsp;&nbsp;**100.0%** | &nbsp;&nbsp;**$41932092.00** | &nbsp;&nbsp;**100.0%** |

---

 

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;146.0 | &nbsp;&nbsp;80.22% | &nbsp;&nbsp;$33510404.00 | &nbsp;&nbsp;79.92% |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;36.0 | &nbsp;&nbsp;19.78% | &nbsp;&nbsp;$8421688.00 | &nbsp;&nbsp;20.08% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**182.0** | &nbsp;&nbsp;**100.0%** | &nbsp;&nbsp;**$41932092.00** | &nbsp;&nbsp;**100.0%** |

---

 

---

| | | | | |
|:---|:---|:---|:---|:---|
| &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;118.0 | &nbsp;&nbsp;64.84% | &nbsp;&nbsp;$28685785.00 | &nbsp;&nbsp;68.41% |
| &nbsp;&nbsp;Townhouse | &nbsp;&nbsp;2.0 | &nbsp;&nbsp;1.1% | &nbsp;&nbsp;$381133.00 | &nbsp;&nbsp;0.91% |
| &nbsp;&nbsp;Condominium | &nbsp;&nbsp;6.0 | &nbsp;&nbsp;3.3% | &nbsp;&nbsp;$780600.00 | &nbsp;&nbsp;1.86% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;52.0 | &nbsp;&nbsp;28.57% | &nbsp;&nbsp;$11578174.00 | &nbsp;&nbsp;27.61% |
| &nbsp;&nbsp;Two to Four Unit | &nbsp;&nbsp;4.0 | &nbsp;&nbsp;2.2% | &nbsp;&nbsp;$506400.00 | &nbsp;&nbsp;1.21% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**182.0** | &nbsp;&nbsp;**100.0%** | &nbsp;&nbsp;**$41932092.00** | &nbsp;&nbsp;**100.0%** |

---

 

![](ex997001.jpg)

 

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Refinance | &nbsp;&nbsp;180.0 | &nbsp;&nbsp;98.9% | &nbsp;&nbsp;$41282182.00 | &nbsp;&nbsp;98.45% |
| &nbsp;&nbsp;Purchase | &nbsp;&nbsp;2.0 | &nbsp;&nbsp;1.1% | &nbsp;&nbsp;$649910.00 | &nbsp;&nbsp;1.55% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**182.0** | &nbsp;&nbsp;**100.0%** | &nbsp;&nbsp;**$41932092.00** | &nbsp;&nbsp;**100.0%** |

---

 

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Property State** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;TX | &nbsp;&nbsp;8.0 | &nbsp;&nbsp;4.4% | &nbsp;&nbsp;$1131889.00 | &nbsp;&nbsp;2.7% |
| &nbsp;&nbsp;FL | &nbsp;&nbsp;19.0 | &nbsp;&nbsp;10.44% | &nbsp;&nbsp;$3113065.00 | &nbsp;&nbsp;7.42% |
| &nbsp;&nbsp;NV | &nbsp;&nbsp;3.0 | &nbsp;&nbsp;1.65% | &nbsp;&nbsp;$233140.00 | &nbsp;&nbsp;0.56% |
| &nbsp;&nbsp;WA | &nbsp;&nbsp;9.0 | &nbsp;&nbsp;4.95% | &nbsp;&nbsp;$1960172.00 | &nbsp;&nbsp;4.67% |
| &nbsp;&nbsp;NY | &nbsp;&nbsp;2.0 | &nbsp;&nbsp;1.1% | &nbsp;&nbsp;$260000.00 | &nbsp;&nbsp;0.62% |
| &nbsp;&nbsp;SC | &nbsp;&nbsp;2.0 | &nbsp;&nbsp;1.1% | &nbsp;&nbsp;$183800.00 | &nbsp;&nbsp;0.44% |
| &nbsp;&nbsp;MA | &nbsp;&nbsp;3.0 | &nbsp;&nbsp;1.65% | &nbsp;&nbsp;$1400000.00 | &nbsp;&nbsp;3.34% |
| &nbsp;&nbsp;MD | &nbsp;&nbsp;2.0 | &nbsp;&nbsp;1.1% | &nbsp;&nbsp;$276900.00 | &nbsp;&nbsp;0.66% |
| &nbsp;&nbsp;ME | &nbsp;&nbsp;1.0 | &nbsp;&nbsp;0.55% | &nbsp;&nbsp;$50000.00 | &nbsp;&nbsp;0.12% |
| &nbsp;&nbsp;OH | &nbsp;&nbsp;3.0 | &nbsp;&nbsp;1.65% | &nbsp;&nbsp;$170080.00 | &nbsp;&nbsp;0.41% |
| &nbsp;&nbsp;GA | &nbsp;&nbsp;4.0 | &nbsp;&nbsp;2.2% | &nbsp;&nbsp;$989000.00 | &nbsp;&nbsp;2.36% |
| &nbsp;&nbsp;ID | &nbsp;&nbsp;3.0 | &nbsp;&nbsp;1.65% | &nbsp;&nbsp;$190000.00 | &nbsp;&nbsp;0.45% |
| &nbsp;&nbsp;MI | &nbsp;&nbsp;1.0 | &nbsp;&nbsp;0.55% | &nbsp;&nbsp;$123000.00 | &nbsp;&nbsp;0.29% |
| &nbsp;&nbsp;CA | &nbsp;&nbsp;72.0 | &nbsp;&nbsp;39.56% | &nbsp;&nbsp;$21609815.00 | &nbsp;&nbsp;51.54% |
| &nbsp;&nbsp;UT | &nbsp;&nbsp;3.0 | &nbsp;&nbsp;1.65% | &nbsp;&nbsp;$867660.00 | &nbsp;&nbsp;2.07% |
| &nbsp;&nbsp;IL | &nbsp;&nbsp;2.0 | &nbsp;&nbsp;1.1% | &nbsp;&nbsp;$455000.00 | &nbsp;&nbsp;1.09% |
| &nbsp;&nbsp;OR | &nbsp;&nbsp;1.0 | &nbsp;&nbsp;0.55% | &nbsp;&nbsp;$125000.00 | &nbsp;&nbsp;0.3% |
| &nbsp;&nbsp;IN | &nbsp;&nbsp;4.0 | &nbsp;&nbsp;2.2% | &nbsp;&nbsp;$386059.00 | &nbsp;&nbsp;0.92% |
| &nbsp;&nbsp;MT | &nbsp;&nbsp;1.0 | &nbsp;&nbsp;0.55% | &nbsp;&nbsp;$492250.00 | &nbsp;&nbsp;1.17% |
| &nbsp;&nbsp;VA | &nbsp;&nbsp;4.0 | &nbsp;&nbsp;2.2% | &nbsp;&nbsp;$635000.00 | &nbsp;&nbsp;1.51% |
| &nbsp;&nbsp;CO | &nbsp;&nbsp;2.0 | &nbsp;&nbsp;1.1% | &nbsp;&nbsp;$398480.00 | &nbsp;&nbsp;0.95% |
| &nbsp;&nbsp;CT | &nbsp;&nbsp;1.0 | &nbsp;&nbsp;0.55% | &nbsp;&nbsp;$63500.00 | &nbsp;&nbsp;0.15% |
| &nbsp;&nbsp;LA | &nbsp;&nbsp;2.0 | &nbsp;&nbsp;1.1% | &nbsp;&nbsp;$105000.00 | &nbsp;&nbsp;0.25% |
| &nbsp;&nbsp;NC | &nbsp;&nbsp;2.0 | &nbsp;&nbsp;1.1% | &nbsp;&nbsp;$785000.00 | &nbsp;&nbsp;1.87% |
| &nbsp;&nbsp;AZ | &nbsp;&nbsp;12.0 | &nbsp;&nbsp;6.59% | &nbsp;&nbsp;$2920429.00 | &nbsp;&nbsp;6.96% |
| &nbsp;&nbsp;TN | &nbsp;&nbsp;4.0 | &nbsp;&nbsp;2.2% | &nbsp;&nbsp;$344000.00 | &nbsp;&nbsp;0.82% |
| &nbsp;&nbsp;NJ | &nbsp;&nbsp;11.0 | &nbsp;&nbsp;6.04% | &nbsp;&nbsp;$2554503.00 | &nbsp;&nbsp;6.09% |
| &nbsp;&nbsp;NM | &nbsp;&nbsp;1.0 | &nbsp;&nbsp;0.55% | &nbsp;&nbsp;$109350.00 | &nbsp;&nbsp;0.26% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**182.0** | &nbsp;&nbsp;**100.0%** | &nbsp;&nbsp;**$41932092.00** | &nbsp;&nbsp;**100.0%** |

---

## Exhibit 99.7

[VISTA POINT ASSETS LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.7 - Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Marketing 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?** |
| REDACTED |  | 78023401 | REDACTED | 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 | N/A |  | N/A | Employed |  | No |  | Yes | N/A |
| REDACTED |  | 71415592 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 895 | 9.73 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 72074920 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 6615 | 11.145 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 74411760 | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Yes |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | No | Yes | Yes | N/A |  | N/A | Employed | Not Employed | No | No | No |  |
| REDACTED |  | 75841078 | REDACTED | 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 | No | 0 | 8.509 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Employed | Not Employed | No | No | No |  |
| REDACTED |  | 76489432 | REDACTED | 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 | No | 2743 | 9.034 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10227.95 | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 77947450 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 2919 | 11.167 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3370.63 | N/A | Employed | Employed | No | No | No |  |
| REDACTED |  | 74855473 | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Yes |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | Yes | N/A |
| REDACTED |  | 70084941 | REDACTED | 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 | No | 2157.5 | 9.819 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 78154025 | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Yes |  | 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 |  | N/A | Employed |  | No |  | Yes | N/A |
| REDACTED |  | 73399622 | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Yes |  | 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 |  | N/A | Employed |  | No |  | Yes | N/A |
| REDACTED |  | 71593627 | REDACTED | 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 | N/A |  | N/A | Employed | Employed | No | No | Yes | N/A |
| REDACTED |  | 71267195 | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Yes |  | 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 |  | N/A | Employed |  | No |  | Yes | N/A |
| REDACTED |  | 76869799 | REDACTED | 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 |  | N/A | Employed |  | No |  | Yes | N/A |
| REDACTED |  | 72789753 | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Yes |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | Yes | N/A |
| REDACTED |  | 79945174 | REDACTED | 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 | No | 10595 | 9.637 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 77836739 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1845 | 8.724 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 78576274 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2432 | 9.349 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 78387431 | REDACTED | 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 | No | 1740 | 8.104 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed | Employed | No | No | No |  |
| REDACTED |  | 71851655 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1930 | 9.095 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 71314523 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | No | Yes | No | No | No | No | No | No | No | No | 5515 | 12.475 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed | Employed | No | No | No |  |
| REDACTED |  | 71209166 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | No | Yes | No | No | No | No | No | No | No | No | 3891.5 | 10.981 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 71754637 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 4465.25 | 9.665 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 75133929 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 3211.86 | 10.067 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 77512409 | REDACTED | 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 | No | 1690 | 8.873 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed | Employed | No | No | No |  |
| REDACTED |  | 79495751 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1595 | 10.046 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 72883631 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 1595 | 11.357 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 76133763 | REDACTED | 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 | 15993 | 8.963 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 76722508 | REDACTED | 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 | 5400 | 10.34 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 76797958 | REDACTED | 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 | 2693.91 | 13.436 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 79005879 | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| REDACTED |  | 73904119 | REDACTED | 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 | No | 1690 | 8.666 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 74496274 | REDACTED | 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 | 13027 | 11.232 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 71427450 | REDACTED | 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 | 1442 | 11.505 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed | Employed | No | No | No |  |
| REDACTED |  | 77254266 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | No | Yes | No | No | No | No | No | No | No | No | 3295 | 10.39 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 74979947 | REDACTED | 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 | 8102.5 | 10.282 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20664.17 | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 77088915 | REDACTED | 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 | 5595 | 11.072 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 76690679 | REDACTED | 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 | No | 795 | 8.819 | Yes | Yes | N/A | Yes | Yes | Yes | No | Yes | Yes | N/A |  | N/A | Employed | Employed | No | No | No |  |
| REDACTED |  | 73675572 | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Yes |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested |  |  | N/A | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | Yes | N/A |
| REDACTED |  | 75507431 | REDACTED | 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 | 5787.9 | 10.701 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 79749284 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | No | Yes | No | No | No | No | No | No | No | No | 7400 | 10.441 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 71995922 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 495 | 8.962 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 70497133 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | 6495 | 10.538 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 75244846 | REDACTED | 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 | No | 4690 | 9.319 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 78287963 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | No | No | Yes | No | No | No | No | No | No | No | No | 1779.22 | 10.941 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed | Employed | No | No | No |  |
| REDACTED |  | 71838005 | REDACTED | 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 | No | 1670 | 9.232 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Employed | Employed | No | No | No |  |
| REDACTED |  | 78876515 | REDACTED | 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 |  | N/A | Employed |  | No |  | Yes | N/A |
| REDACTED |  | 71663673 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | No | No | Yes | No | No | No | No | No | No | No | No | 2335 | 10.478 | Yes | Yes | N/A | Yes | N/A | Yes | Yes | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 79393685 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | No | Yes | No | No | No | No | No | No | No | No | 7400 | 12.317 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 75922064 | REDACTED | 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 | 6145 | 10.491 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | No | Employed |  | No |  | No |  |
| REDACTED |  | 78247063 | REDACTED | 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 | No | 3471.8 | 9.321 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 79765507 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 9715 | 8.88 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Employed | Employed | No | No | No |  |
| REDACTED |  | 70625496 | REDACTED | 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 | 6003 | 10.155 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 77617528 | REDACTED | 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 | Yes | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| REDACTED |  | 74009162 | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Yes |  | 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 |  | N/A | Employed | Not Employed | No | No | Yes | N/A |
| REDACTED |  | 74273590 | REDACTED | 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 | No | 8854 | 10.164 | Yes | Yes | N/A | No | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 79487396 | REDACTED | 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 | No | 6844 | 10.188 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 74703748 | REDACTED | 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 | No | 12560 | 9.038 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 76775957 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | No | Yes | No | No | No | No | No | No | No | No | 5693 | 10.726 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 78477052 | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Yes |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | Yes | N/A |
| REDACTED |  | 73140692 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1251.25 | 9.26 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 71242182 | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Yes |  | 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 |  | N/A | Employed |  | No |  | Yes | N/A |
| REDACTED |  | 79742405 | REDACTED | 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 | N/A |  | N/A | Employed | Employed | No | No | No |  |
| REDACTED |  | 73349626 | REDACTED | 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 | 17315 | 9.694 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9766.81 | N/A | Employed | Not Employed | No | No | No |  |
| REDACTED |  | 75009858 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 4035 | 9.259 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Retired |  | No |  | No |  |
| REDACTED |  | 79371162 | REDACTED | 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 | No | 1838.75 | 8.983 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 71917245 | REDACTED | 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 | No | 2045 | 8.872 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Retired | Employed | No | No | No |  |
| REDACTED |  | 78517926 | REDACTED | 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 | N/A |  | N/A | Employed |  | No |  | Yes | N/A |
| REDACTED |  | 76509581 | REDACTED | QM: Rebuttable Presumption DTI (DTI RP) | QM: Rebuttable Presumption DTI (DTI RP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 2282.25 | 12.889 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 78035404 | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Yes |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | Yes | N/A |
| REDACTED |  | 76840524 | REDACTED | 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 | No | 1500 | 8.903 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 73918025 | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Yes |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested |  |  | N/A | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Employed | Employed | No | No | Yes | N/A |
| REDACTED |  | 76076603 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 495 | 12.866 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 70459425 | REDACTED | 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 | 12809.11 | 11.047 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 76643757 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 4075 | 10.367 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9893.28 | N/A | Employed | Employed | No | No | No |  |
| REDACTED |  | 70244615 | REDACTED | 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 | No | 1480 | 9.298 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 70764144 | REDACTED | 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 | No | 714.57 | 9.645 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 79390715 | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| REDACTED |  | 73895744 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | No | Yes | No | No | No | No | No | No | No | No | 10057.45 | 11.644 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 71634777 | REDACTED | 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 | 5245.63 | 12.036 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed | Retired | No | No | No |  |
| REDACTED |  | 71195688 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | No | Yes | Yes | No | No | No | No | No | No | No | No | 2444 | 11.962 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Retired | Employed | No | No | No |  |
| REDACTED |  | 72687213 | REDACTED | 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 | 5281.9 | 13.188 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 73991553 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 4347.5 | 8.57 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 77745294 | REDACTED | 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 | No | 1500 | 9.932 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 79950358 | REDACTED | 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 | 5533 | 10.57 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 79671728 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | No | Yes | No | No | No | No | No | No | No | No | 4456.25 | 10.509 | N/A | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Employed | Employed | No | No | No |  |
| REDACTED |  | 73191230 | REDACTED | 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 | No | 2094 | 8.957 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 79480432 | REDACTED | 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 | No | 9190 | 9.1 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 79128107 | REDACTED | 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 | 10200 | 12.334 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 72185584 | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Yes |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested |  |  | N/A | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | Yes | N/A |
| REDACTED |  | 78341784 | REDACTED | 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 | No | 795 | 8.795 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 79443910 | REDACTED | 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 | 588.74 | 12.773 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Employed | Not Employed | No | No | No |  |
| REDACTED | REDACTED | 74876573 | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| REDACTED |  | 74188511 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 4960 | 11.386 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Retired | Retired | No | No | No |  |
| REDACTED |  | 78069581 | REDACTED | 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 | No | 1635.9 | 10.132 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 77118491 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 3111.25 | 8.692 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Retired |  | No |  | No |  |
| REDACTED |  | 70055410 | REDACTED | 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 | No | 1730 | 8.664 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 74325271 | REDACTED | 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 | No | 1690 | 8.778 | N/A | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 76575486 | REDACTED | 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 | No | 2400 | 10.087 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 75422744 | REDACTED | 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 | No | 9790 | 9.275 | N/A | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 77817143 | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Yes |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested |  |  | N/A | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Employed | Not Employed | No | No | Yes | N/A |
| REDACTED |  | 72858861 | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Yes |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Retired |  | No |  | Yes | N/A |
| REDACTED |  | 71764017 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2370 | 9.332 | N/A | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 77894418 | REDACTED | 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 | No | 1199 | 8.619 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 72214642 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | Yes | 4980 | 10.12 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 71006908 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 7358 | 8.813 | N/A | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed | Employed | No | No | No |  |
| REDACTED |  | 73551083 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | 4357.5 | 10.493 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Retired | Retired | No | No | No |  |
| REDACTED |  | 77304747 | REDACTED | 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 | No | 8092.5 | 9.111 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed | Employed | No | No | No |  |
| REDACTED |  | 78409228 | REDACTED | 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 | No | 2940 | 10.079 | N/A | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 77907856 | REDACTED | 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 | No | 1690 | 9.298 | N/A | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 74388281 | REDACTED | 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 | 2670.71 | 11.799 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 70539888 | REDACTED | 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 | 7783.56 | 12.651 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 73746466 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | Yes | No | No | No | No | No | No | No | No | 1864.5 | 10.768 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed | Retired | No | No | No |  |
| REDACTED |  | 70597141 | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Yes |  | 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 |  | N/A | Employed |  | No |  | Yes | N/A |
| REDACTED |  | 79132804 | REDACTED | 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 | 8145.58 | 11.469 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 71400034 | REDACTED | 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 | 6737 | 10.146 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 74781519 | REDACTED | 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 | No | 235 | 8.827 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3071.18 | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 72288367 | REDACTED | 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 | 4545 | 8.946 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | N/A | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 72721014 | REDACTED | 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 | No | 1000 | 8.699 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed | Retired | No | No | No |  |
| REDACTED |  | 77401808 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 1895 | 10.605 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 12847.51 | Yes | Employed | Employed | No | No | No |  |
| REDACTED |  | 76073621 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | Yes | 5558.75 | 9.104 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed | Employed | No | No | No |  |
| REDACTED |  | 77761611 | REDACTED | 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 | 6132.11 | 9.793 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed | Unknown | No | No | No |  |
| REDACTED |  | 71484380 | REDACTED | 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 | No | 2340 | 9.483 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Not Employed |  | No |  | No |  |
| REDACTED |  | 78110574 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 1000 | 12.05 | Yes | Yes | N/A | Yes | Yes | No | N/A | Yes | Yes | N/A |  | N/A | Employed | Employed | No | No | No |  |
| REDACTED |  | 78447631 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | No | Yes | Yes | No | No | No | No | No | No | No | No | 2593.25 | 10.779 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 71972044 | REDACTED | 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 | 6719.68 | 8.822 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed | Employed | No | No | No |  |
| REDACTED |  | 79283852 | REDACTED | 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 | 3315 | 13.457 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 78643269 | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Yes |  | 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 |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 78374978 | REDACTED | 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 | 5815 | 12.966 | N/A | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Employed | Employed | No | No | No |  |
| REDACTED |  | 78977948 | REDACTED | 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 | No | 1830.46 | 9.291 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed | Employed | No | No | No |  |
| REDACTED |  | 77458352 | REDACTED | 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 |  | N/A | Employed |  | No |  | Yes | N/A |
| REDACTED |  | 74547625 | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Yes |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed | Employed | No | No | Yes | N/A |
| REDACTED |  | 71545298 | REDACTED | 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 | No | 995 | 8.379 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 73369811 | REDACTED | 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 | No | 3860.33 | 8.831 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8393.14 | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 73603971 | REDACTED | 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 | 7895.2 | 10.122 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed | Not Employed | No | No | No |  |
| REDACTED |  | 75532257 | REDACTED | 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 | No | 4770 | 8.728 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed | Employed | No | No | No |  |
| REDACTED |  | 73932871 | REDACTED | 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 | 13295 | 9.375 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 75180451 | REDACTED | 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 | Yes | Yes | Yes | Yes |  | N/A | Employed |  | No |  | Yes | N/A |
| REDACTED |  | 75941349 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | 10847.23 | 10.889 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 72119285 | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Yes |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 7198.16 | N/A | Employed |  | No |  | Yes | N/A |
| REDACTED |  | 70771170 | REDACTED | 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 | No | 9395 | 9.12 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed | Employed | No | No | No |  |
| REDACTED |  | 73290603 | REDACTED | 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 | No | 14398 | 10.196 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 71697524 | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Yes |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | Yes | N/A |
| REDACTED |  | 75029349 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | Yes | 29393.35 | 10.151 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 74849461 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2633.84 | 9.589 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 72444743 | REDACTED | 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 | No | 1945 | 8.517 | N/A | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed | Employed | No | No | No |  |
| REDACTED |  | 75709787 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 2621.36 | 10.576 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 72330412 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | Yes | 4880 | 10.155 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Retired | Retired | No | No | No |  |
| REDACTED |  | 76518819 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1892.5 | 8.734 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 75757514 | REDACTED | 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 | 18278.16 | 11.126 | N/A | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed | Employed | No | No | No |  |
| REDACTED |  | 72505621 | REDACTED | 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 | 4600 | 11.574 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 78838453 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 3739.25 | 9.974 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 78416089 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | Yes | 21434 | 9.61 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 74430828 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | No | No | Yes | No | No | No | No | No | No | No | No | 2231.68 | 10.327 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed | Employed | No | No | No |  |
| REDACTED |  | 76493601 | REDACTED | 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 | No | 9883 | 9.288 | Yes | Yes | N/A | Yes | Yes | No | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 72986521 | REDACTED | 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 | No | 3495 | 9.742 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 77259810 | REDACTED | 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 | No | 3090 | 8.961 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 72651542 | REDACTED | 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 | 10415 | 10.72 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 71306685 | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Yes |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | N/A | Yes | N/A |  | N/A | Employed |  | No |  | Yes | N/A |
| REDACTED |  | 79727537 | REDACTED | 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 | 4695 | 10.577 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 72915121 | REDACTED | 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 | 6770 | 10.947 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 73268788 | REDACTED | 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 | No | 3565 | 9.725 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 77061201 | REDACTED | 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 | No | 2493.57 | 9.224 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 75958435 | REDACTED | 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 | No | 3795 | 8.927 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 79013281 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | No | No | Yes | No | No | No | No | No | No | No | No | 2577 | 10.83 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 79571647 | REDACTED | 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 | No | 1730 | 9.507 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed | Retired | No | No | No |  |
| REDACTED |  | 78107960 | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Yes |  | 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 | 10061.13 | Yes | Employed |  | No |  | Yes | N/A |
| REDACTED |  | 74457815 | REDACTED | 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 | No | 1730 | 8.402 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 76937139 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2578.75 | 9.393 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 75415257 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | No | No | Yes | No | No | No | No | No | No | No | No | 2017 | 10.076 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | N/A | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 77659005 | REDACTED | 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 | No | 833.72 | 9.012 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 77739610 | REDACTED | 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 | No | 3190 | 9.087 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 71470170 | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Yes |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed | Not Employed | No | No | No |  |
| REDACTED |  | 76239641 | REDACTED | 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 | 7827.5 | 10.423 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 74141113 | REDACTED | 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 | 1601.88 | 10.417 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed | Employed | No | No | No |  |
| REDACTED |  | 74159612 | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Yes |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | Yes | N/A |
| REDACTED |  | 75217666 | REDACTED | 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 | 7180.09 | 10.349 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed | Employed | No | No | No |  |
| REDACTED |  | 70179598 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 2860 | 9.755 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 78822419 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | No | Yes | No | No | No | No | No | No | No | No | 3124 | 13.612 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 72727305 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | No | No | No | No | No | No | No | No | No | No | No | 2145 | 9.726 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 75664549 | REDACTED | 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 | 8635.5 | 9.604 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 79363821 | REDACTED | 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 | No | 6290 | 8.833 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |

---

## Exhibit 99.7

[VISTA POINT ASSETS LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.7 - Schedule 2**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Marketing ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| REDACTED |  | 78023401 | REDACTED | Borrower 1 Phone Number | the1003Page | REDACTED | REDACTED | from the final 1003 |
| REDACTED |  | 78023401 | REDACTED | Borrower 1 Email or Internet | the1003Page | REDACTED | REDACTED | from the final 1003 |
| REDACTED |  | 78023401 | REDACTED | Balloon Flag | notePage | REDACTED | REDACTED | from the note |
| REDACTED |  | 78023401 | REDACTED | Closing/Settlement Date | finalCdDetailPage | REDACTED | REDACTED | from the final cd |
| REDACTED |  | 78023401 | REDACTED | Monthly Property Tax Amount | titlePage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | 78023401 | REDACTED | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | REDACTED | REDACTED |  |
| REDACTED |  | 78023401 | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED |  |
| REDACTED |  | 71415592 | REDACTED | Borrower 1 First Name | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | 71415592 | REDACTED | Borrower 1 Last Name | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | 71415592 | REDACTED | Property Address | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | 71415592 | REDACTED | Refinance Type | the1003Page | REDACTED | REDACTED | FROM THE FINAL CD |
| REDACTED |  | 71415592 | REDACTED | Borrower 1 Phone Number | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 71415592 | REDACTED | Note Date | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | 71415592 | REDACTED | Originator Doc Type | employmentIncomePage | REDACTED | REDACTED | SAME |
| REDACTED |  | 71415592 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | ROUNDED |
| REDACTED |  | 72074920 | REDACTED | Borrower 1 First Name | notePage | REDACTED | REDACTED | from the note |
| REDACTED |  | 72074920 | REDACTED | Property Address | notePage | REDACTED | REDACTED | Per Note |
| REDACTED |  | 74411760 | REDACTED | Loan Purpose | the1003Page | REDACTED | REDACTED | FROM THE FINAL CD |
| REDACTED |  | 74411760 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 74411760 | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 74411760 | REDACTED | Prepayment Penalty Type | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | 74411760 | REDACTED | Originator Doc Type | employmentIncomePage | REDACTED | REDACTED |  |
| REDACTED |  | 74411760 | REDACTED | Originator QM Status | diligenceFinalLookPage | REDACTED | REDACTED |  |
| REDACTED |  | 74411760 | REDACTED | Calculated DSCR | diligenceFinalLookPage | REDACTED | REDACTED |  |
| REDACTED |  | 74411760 | REDACTED | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | NA |
| REDACTED |  | 74411760 | REDACTED | Underwriting Guideline Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED |  |
| REDACTED |  | 75841078 | REDACTED | Loan Purpose | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 75841078 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 75841078 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | From the 1008 |
| REDACTED |  | 76489432 | REDACTED | Property State | notePage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | 76489432 | REDACTED | Borrower 1 Phone Number | the1003Page | REDACTED | REDACTED | Same value, entry discrepancy |
| REDACTED |  | 76489432 | REDACTED | Borrower 1 Email or Internet | the1003Page | REDACTED | REDACTED | REDACTED |
| REDACTED |  | 76489432 | REDACTED | Balloon Flag | notePage | REDACTED | REDACTED | Same value, entry discrepancy |
| REDACTED |  | 76489432 | REDACTED | Closing/Settlement Date | finalCdDetailPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | 76489432 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | 77947450 | REDACTED | Borrower 1 Email or Internet | the1003Page | REDACTED | REDACTED | REDACTED |
| REDACTED |  | 77947450 | REDACTED | Borrower 1 Phone Number | the1003Page | REDACTED | REDACTED | Same value, entry discrepancy |
| REDACTED |  | 77947450 | REDACTED | Balloon Flag | notePage | REDACTED | REDACTED | Same value, entry discrepancy |
| REDACTED |  | 77947450 | REDACTED | Note Date | notePage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | 77947450 | REDACTED | Closing/Settlement Date | finalCdDetailPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | 74855473 | REDACTED | Loan Purpose | the1003Page | REDACTED | REDACTED | from the 1003 |
| REDACTED |  | 74855473 | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | 74855473 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | 74855473 | REDACTED | Prepayment Penalty Type | notePage | REDACTED | REDACTED | from the note |
| REDACTED |  | 74855473 | REDACTED | Originator QM Status | diligenceFinalLookPage | REDACTED | REDACTED |  |
| REDACTED |  | 74855473 | REDACTED | Originator Doc Type | employmentIncomePage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | 74855473 | REDACTED | Calculated DSCR | diligenceFinalLookPage | REDACTED | REDACTED | NOT DSCR |
| REDACTED |  | 74855473 | REDACTED | Underwriting Guideline Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED |  |
| REDACTED |  | 74855473 | REDACTED | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | 70084941 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | 70084941 | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED |  |
| REDACTED |  | 78154025 | REDACTED | Borrower 1 Email or Internet | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 78154025 | REDACTED | Borrower 1 Phone Number | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 78154025 | REDACTED | Balloon Flag | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | 78154025 | REDACTED | Note Date | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | 78154025 | REDACTED | Closing/Settlement Date | hudClosingDetailPage | REDACTED | REDACTED | FROM THE HUD |
| REDACTED |  | 78154025 | REDACTED | Monthly Property Tax Amount | titlePage | REDACTED | REDACTED | Rounding |
| REDACTED |  | 78154025 | REDACTED | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | REDACTED | REDACTED | Rounding |
| REDACTED |  | 73399622 | REDACTED | Borrower 1 Phone Number | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 73399622 | REDACTED | Application Date | complianceDetailPage | REDACTED | REDACTED | FROM THE INITIAL 1003 |
| REDACTED |  | 73399622 | REDACTED | Borrower 1 Email or Internet | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 73399622 | REDACTED | Balloon Flag | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | 73399622 | REDACTED | Note Date | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | 73399622 | REDACTED | Closing/Settlement Date | hudClosingDetailPage | REDACTED | REDACTED | FROM THE HUD |
| REDACTED |  | 71593627 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 71593627 | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 71593627 | REDACTED | Loan Purpose | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 71593627 | REDACTED | Qualifying FICO | creditLiabilitiesPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | 71593627 | REDACTED | Originator QM Status | diligenceFinalLookPage | REDACTED | REDACTED |  |
| REDACTED |  | 71593627 | REDACTED | Originator Doc Type | employmentIncomePage | REDACTED | REDACTED |  |
| REDACTED |  | 71593627 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | 71267195 | REDACTED | Property State | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | 71267195 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | 71267195 | REDACTED | Borrower 1 Phone Number | the1003Page | REDACTED | REDACTED | FROM THE FINAL 1003 |
| REDACTED |  | 71267195 | REDACTED | Borrower 1 Email or Internet | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 71267195 | REDACTED | Balloon Flag | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | 71267195 | REDACTED | Note Date | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | 71267195 | REDACTED | Closing/Settlement Date | finalCdDetailPage | REDACTED | REDACTED | FROM THE FINAL CD |
| REDACTED |  | 71267195 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Rounding difference |
| REDACTED |  | 71267195 | REDACTED | HOA Flag | propertyValuationPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | 71267195 | REDACTED | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | 76869799 | REDACTED | Loan ID | manual | REDACTED | REDACTED | FROM THE LOAN ID |
| REDACTED |  | 76869799 | REDACTED | Amortization Term | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | 72789753 | REDACTED | Loan ID | manual | REDACTED | REDACTED | FROM THE LOAN ID |
| REDACTED |  | 72789753 | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 72789753 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | 79945174 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | 79945174 | REDACTED | Calculated DSCR | diligenceFinalLookPage | REDACTED | REDACTED |  |
| REDACTED |  | 77836739 | REDACTED | Loan ID | manual | REDACTED | REDACTED | FROM THE LOAN ID |
| REDACTED |  | 77836739 | REDACTED | ULI | the1003Page | REDACTED | REDACTED | FROM THE FINAL 1003 |
| REDACTED |  | 77836739 | REDACTED | Borrower 1 Phone Number | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 77836739 | REDACTED | Property Tax Amount | titlePage | REDACTED | REDACTED |  |
| REDACTED |  | 78576274 | REDACTED | Qualifying CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | 78576274 | REDACTED | Proposed Other Financing P&I | the1008Page | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 78576274 | REDACTED | Borrower 1 Phone Number | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 78576274 | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | 78576274 | REDACTED | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | REDACTED | REDACTED |  |
| REDACTED |  | 78387431 | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 78387431 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | Per appraisal report |
| REDACTED |  | 78387431 | REDACTED | Originator Doc Type | employmentIncomePage | REDACTED | REDACTED | Per income docs |
| REDACTED |  | 78387431 | REDACTED | Originator QM Status | diligenceFinalLookPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | 78387431 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | 71851655 | REDACTED | Qualifying FICO | creditLiabilitiesPage | REDACTED | REDACTED |  |
| REDACTED |  | 71851655 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | LTV VS CLTV |
| REDACTED |  | 71851655 | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | NOT BUSINESS PURPOSE |
| REDACTED |  | 71314523 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | 71314523 | REDACTED | Calculated DSCR | diligenceFinalLookPage | REDACTED | REDACTED |  |
| REDACTED |  | 71209166 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 71209166 | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 71209166 | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | 71209166 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Rounding |
| REDACTED |  | 71754637 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | From the 1008 |
| REDACTED |  | 75133929 | REDACTED | Borrower 1 Last Name | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | 75133929 | REDACTED | Effective Date - Title Commitment | titlePage | REDACTED | REDACTED | From the title report |
| REDACTED |  | 75133929 | REDACTED | CU Score | propertyValuationPage | REDACTED | REDACTED | From the cu doc |
| REDACTED |  | 75133929 | REDACTED | Final Reviewed QM Status | diligenceFinalLookPage | REDACTED | REDACTED | Non qm loan |
| REDACTED |  | 75133929 | REDACTED | Calculated DSCR | diligenceFinalLookPage | REDACTED | REDACTED | Not a dscr loan |
| REDACTED |  | 75133929 | REDACTED | Underwriting Guideline Lender Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | Same |
| REDACTED |  | 77512409 | REDACTED | Effective Date - Title Commitment | titlePage | REDACTED | REDACTED |  |
| REDACTED |  | 77512409 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | 77512409 | REDACTED | CU Score | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | 77512409 | REDACTED | Calculated DSCR | diligenceFinalLookPage | REDACTED | REDACTED |  |
| REDACTED |  | 77512409 | REDACTED | Final Reviewed QM Status | diligenceFinalLookPage | REDACTED | REDACTED |  |
| REDACTED |  | 77512409 | REDACTED | Underwriting Guideline Lender Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED |  |
| REDACTED |  | 79495751 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | From the 1008 |
| REDACTED |  | 72883631 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 72883631 | REDACTED | Qualifying LTV | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 72883631 | REDACTED | Borrower 1 First Name | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | 72883631 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | From the1008 |
| REDACTED |  | 72883631 | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | From the 1008 |
| REDACTED |  | 76133763 | REDACTED | Borrower 1 Phone Number | the1003Page | REDACTED | REDACTED | from the 1003 |
| REDACTED |  | 76133763 | REDACTED | Borrower 1 Email or Internet | the1003Page | REDACTED | REDACTED | from the 1003 |
| REDACTED |  | 76133763 | REDACTED | Note Date | notePage | REDACTED | REDACTED | from the note |
| REDACTED |  | 76133763 | REDACTED | Balloon Flag | notePage | REDACTED | REDACTED | from the note |
| REDACTED |  | 76133763 | REDACTED | Closing/Settlement Date | finalCdDetailPage | REDACTED | REDACTED | from the final cd |
| REDACTED |  | 76133763 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | ROUNDING |
| REDACTED |  | 76133763 | REDACTED | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | REDACTED | REDACTED | ROUNDING |
| REDACTED |  | 76133763 | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED |  |
| REDACTED |  | 76722508 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 76722508 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Mappimg |
| REDACTED |  | 76797958 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 76797958 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | From the 1008 |
| REDACTED |  | 79005879 | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | Mapping |
| REDACTED |  | 79005879 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | 73904119 | REDACTED | Originator Doc Type | employmentIncomePage | REDACTED | REDACTED |  |
| REDACTED |  | 73904119 | REDACTED | Effective Date - Title Commitment | titlePage | REDACTED | REDACTED |  |
| REDACTED |  | 73904119 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | 73904119 | REDACTED | Calculated DSCR | diligenceFinalLookPage | REDACTED | REDACTED |  |
| REDACTED |  | 73904119 | REDACTED | Final Reviewed QM Status | diligenceFinalLookPage | REDACTED | REDACTED |  |
| REDACTED |  | 73904119 | REDACTED | Underwriting Guideline Lender Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED |  |
| REDACTED |  | 74496274 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | 74496274 | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED |  |
| REDACTED |  | 71427450 | REDACTED | Property City | notePage | REDACTED | REDACTED | Per Note |
| REDACTED |  | 71427450 | REDACTED | Borrower 1 Last Name | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | 71427450 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | 77254266 | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | from the 1003 |
| REDACTED |  | 77254266 | REDACTED | ULI | the1003Page | REDACTED | REDACTED | from the 1003 |
| REDACTED |  | 77254266 | REDACTED | Application Date | complianceDetailPage | REDACTED | REDACTED | from the initial 1003 |
| REDACTED |  | 77254266 | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | from the ntoe |
| REDACTED |  | 77254266 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Rounding difference |
| REDACTED |  | 77088915 | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 77088915 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 77088915 | REDACTED | Borrower 1 Citizen | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 77088915 | REDACTED | Application Date | complianceDetailPage | REDACTED | REDACTED | FROM THE INITIAL 1003 |
| REDACTED |  | 77088915 | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | 77088915 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | 76690679 | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 76690679 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROMT HE 1008 |
| REDACTED |  | 76690679 | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | 76690679 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | 73675572 | REDACTED | Property State | notePage | REDACTED | REDACTED | Per Note |
| REDACTED |  | 73675572 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | Per appraisal report |
| REDACTED |  | 73675572 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | 75507431 | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 75507431 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 75507431 | REDACTED | Application Date | complianceDetailPage | REDACTED | REDACTED | Per initial 1003/Intent to proceed - page 39,281 |
| REDACTED |  | 75507431 | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | 79749284 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 79749284 | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 79749284 | REDACTED | ULI | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 79749284 | REDACTED | Application Date | complianceDetailPage | REDACTED | REDACTED | FROM THE INITIAL 1003 |
| REDACTED |  | 79749284 | REDACTED | Borrower 1 Citizen | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 79749284 | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | 79749284 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | 71995922 | REDACTED | Loan ID | manual | REDACTED | REDACTED | FROM THE LOAN ID |
| REDACTED |  | 71995922 | REDACTED | Qualifying LTV | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 71995922 | REDACTED | Borrower 1 Phone Number | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 71995922 | REDACTED | ULI | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 71995922 | REDACTED | Property Tax Amount | titlePage | REDACTED | REDACTED | from tax cert |
| REDACTED |  | 70497133 | REDACTED | Loan ID | manual | REDACTED | REDACTED | from the loan id |
| REDACTED |  | 70497133 | REDACTED | ULI | the1003Page | REDACTED | REDACTED | from the 1003 |
| REDACTED |  | 70497133 | REDACTED | Borrower 1 Phone Number | the1003Page | REDACTED | REDACTED | from the 1003 |
| REDACTED |  | 70497133 | REDACTED | Property Tax Amount | titlePage | REDACTED | REDACTED | Per tax doc |
| REDACTED |  | 75244846 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 75244846 | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 75244846 | REDACTED | ULI | the1003Page | REDACTED | REDACTED | FROM THE FINAL 1003 |
| REDACTED |  | 75244846 | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | 78287963 | REDACTED | Originator Doc Type | employmentIncomePage | REDACTED | REDACTED | Per income docs |
| REDACTED |  | 78287963 | REDACTED | Effective Date - Title Commitment | titlePage | REDACTED | REDACTED | Per Title report |
| REDACTED |  | 78287963 | REDACTED | CU Score | propertyValuationPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | 78287963 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Rounding difference |
| REDACTED |  | 78287963 | REDACTED | Calculated DSCR | diligenceFinalLookPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | 78287963 | REDACTED | Final Reviewed QM Status | diligenceFinalLookPage | REDACTED | REDACTED | Lender documented ATR Factors |
| REDACTED |  | 78287963 | REDACTED | Underwriting Guideline Lender Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | Per approval |
| REDACTED |  | 71838005 | REDACTED | Qualifying LTV | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 71838005 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 71838005 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | From the 1008 |
| REDACTED |  | 78876515 | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | 78876515 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | 78876515 | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | from the 1003 |
| REDACTED |  | 78876515 | REDACTED | ULI | the1003Page | REDACTED | REDACTED | from the 1003 |
| REDACTED |  | 78876515 | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | from the note |
| REDACTED |  | 78876515 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | 71663673 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | From the 1008 |
| REDACTED |  | 79393685 | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | FROM THE FINAL 1003 |
| REDACTED |  | 79393685 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 79393685 | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM THE FINAL 1003 |
| REDACTED |  | 79393685 | REDACTED | ULI | the1003Page | REDACTED | REDACTED | From the 1003 |
| REDACTED |  | 75922064 | REDACTED | Loan Originator Name | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | 75922064 | REDACTED | Note Date | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | 75922064 | REDACTED | PUD Rider | deedOfTrustPage | REDACTED | REDACTED | MISSING DEED |
| REDACTED |  | 75922064 | REDACTED | Other Lien Loan ID | secondHelocAdditionalDataPage | REDACTED | REDACTED |  |
| REDACTED |  | 75922064 | REDACTED | All Borrower Income from Employment Total | employmentIncomePage | REDACTED | REDACTED |  |
| REDACTED |  | 75922064 | REDACTED | QM Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | REDACTED | REDACTED |  |
| REDACTED |  | 75922064 | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED |  |
| REDACTED |  | 78247063 | REDACTED | Application Date | complianceDetailPage | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 78247063 | REDACTED | Borrower 1 Email or Internet | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 78247063 | REDACTED | Borrower 1 Phone Number | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 78247063 | REDACTED | Balloon Flag | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | 78247063 | REDACTED | Note Date | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | 78247063 | REDACTED | Closing/Settlement Date | finalCdDetailPage | REDACTED | REDACTED | FROM THE FINAL CD |
| REDACTED |  | 78247063 | REDACTED | HOA Flag | propertyValuationPage | REDACTED | REDACTED | From the Appraisal |
| REDACTED |  | 78247063 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | From the 1008 |
| REDACTED |  | 78247063 | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | Same |
| REDACTED |  | 79765507 | REDACTED | Qualifying FICO | creditLiabilitiesPage | REDACTED | REDACTED |  |
| REDACTED |  | 79765507 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | 79765507 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | 79765507 | REDACTED | Calculated DSCR | diligenceFinalLookPage | REDACTED | REDACTED | Not a dscr loan |
| REDACTED |  | 70625496 | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | from the 1003 |
| REDACTED |  | 70625496 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | 70625496 | REDACTED | Application Date | complianceDetailPage | REDACTED | REDACTED | from the 1003 |
| REDACTED |  | 70625496 | REDACTED | ULI | the1003Page | REDACTED | REDACTED | from the 1003 |
| REDACTED |  | 70625496 | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | from the note |
| REDACTED |  | 70625496 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | 77617528 | REDACTED | Originator DSCR | diligenceFinalLookPage | REDACTED | REDACTED |  |
| REDACTED |  | 74009162 | REDACTED | Borrower 1 First Name | notePage | REDACTED | REDACTED | from the note |
| REDACTED |  | 74009162 | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | from the final 1003 |
| REDACTED |  | 74009162 | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | 74009162 | REDACTED | Qualifying FICO | creditLiabilitiesPage | REDACTED | REDACTED | Primary wage earner FICO |
| REDACTED |  | 74009162 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | 74009162 | REDACTED | ULI | the1003Page | REDACTED | REDACTED | from the 1003 |
| REDACTED |  | 74009162 | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | from the note |
| REDACTED |  | 74009162 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Most recent first lien UPB |
| REDACTED |  | 74273590 | REDACTED | Borrower 1 Email or Internet | the1003Page | REDACTED | REDACTED | from the 1003 |
| REDACTED |  | 74273590 | REDACTED | Borrower 1 Phone Number | the1003Page | REDACTED | REDACTED | from the 1003 |
| REDACTED |  | 74273590 | REDACTED | Balloon Flag | notePage | REDACTED | REDACTED | from the note |
| REDACTED |  | 74273590 | REDACTED | Note Date | notePage | REDACTED | REDACTED | from the note |
| REDACTED |  | 74273590 | REDACTED | Closing/Settlement Date | finalCdDetailPage | REDACTED | REDACTED | from the final cd |
| REDACTED |  | 74273590 | REDACTED | Monthly Property Tax Amount | titlePage | REDACTED | REDACTED | Rounding difference |
| REDACTED |  | 74273590 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Per lowest first lien UPB |
| REDACTED |  | 74273590 | REDACTED | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | REDACTED | REDACTED | Rounding difference |
| REDACTED |  | 74273590 | REDACTED | B1 Originator Citizenship Designation | fraudReportPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | 79487396 | REDACTED | Property State | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | 79487396 | REDACTED | Borrower 1 Email or Internet | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 79487396 | REDACTED | Note Date | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | 79487396 | REDACTED | Balloon Flag | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | 79487396 | REDACTED | Closing/Settlement Date | finalCdDetailPage | REDACTED | REDACTED | FROM THE FINAL CD |
| REDACTED |  | 79487396 | REDACTED | Monthly Property Tax Amount | titlePage | REDACTED | REDACTED | Rounding difference |
| REDACTED |  | 79487396 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Per most recnt first lien UPB |
| REDACTED |  | 79487396 | REDACTED | HOA Flag | propertyValuationPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | 79487396 | REDACTED | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | REDACTED | REDACTED | Per loan docs reviewed |
| REDACTED |  | 74703748 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | LTV VS CLTV |
| REDACTED |  | 74703748 | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED |  |
| REDACTED |  | 76775957 | REDACTED | Borrower 1 Phone Number | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 76775957 | REDACTED | Borrower 1 Email or Internet | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 76775957 | REDACTED | Balloon Flag | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | 76775957 | REDACTED | Note Date | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | 76775957 | REDACTED | Closing/Settlement Date | finalCdDetailPage | REDACTED | REDACTED | FROM THE FINAL CD |
| REDACTED |  | 76775957 | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED |  |
| REDACTED |  | 76775957 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | 78477052 | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 78477052 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 78477052 | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 78477052 | REDACTED | ULI | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 78477052 | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | 78477052 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | 78477052 | REDACTED | Primary Appraised Property Value | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | 73140692 | REDACTED | Loan ID | manual | REDACTED | REDACTED | from the loan id |
| REDACTED |  | 73140692 | REDACTED | Qualifying CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | 73140692 | REDACTED | Borrower 1 Phone Number | the1003Page | REDACTED | REDACTED | from the 1003 |
| REDACTED |  | 73140692 | REDACTED | ULI | the1003Page | REDACTED | REDACTED | from the 1003 |
| REDACTED |  | 73140692 | REDACTED | Property Tax Amount | titlePage | REDACTED | REDACTED | from tax cert |
| REDACTED |  | 71242182 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | 79742405 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | 79742405 | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED |  |
| REDACTED |  | 73349626 | REDACTED | Borrower 1 Last Name | notePage | REDACTED | REDACTED |  |
| REDACTED |  | 73349626 | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | 73349626 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | Same value |
| REDACTED |  | 73349626 | REDACTED | Application Date | complianceDetailPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | 73349626 | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | 75009858 | REDACTED | Qualifying LTV | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 75009858 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | 79371162 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 79371162 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | CLTV VS LTV |
| REDACTED |  | 79371162 | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED |  |
| REDACTED |  | 71917245 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | 71917245 | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED |  |
| REDACTED |  | 78517926 | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 78517926 | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 78517926 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 78517926 | REDACTED | ULI | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 78517926 | REDACTED | Application Date | complianceDetailPage | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 78517926 | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | 78517926 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | 76509581 | REDACTED | Loan ID | manual | REDACTED | REDACTED | FROM THE LOAN ID |
| REDACTED |  | 76509581 | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 76509581 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 76509581 | REDACTED | Originator Doc Type | employmentIncomePage | REDACTED | REDACTED |  |
| REDACTED |  | 78035404 | REDACTED | Loan Purpose | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 78035404 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 78035404 | REDACTED | Originator Doc Type | employmentIncomePage | REDACTED | REDACTED |  |
| REDACTED |  | 78035404 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | 78035404 | REDACTED | Underwriting Guideline Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED |  |
| REDACTED |  | 76840524 | REDACTED | Borrower 1 First Name | notePage | REDACTED | REDACTED | from the 1003 |
| REDACTED |  | 76840524 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | From the 1008 |
| REDACTED |  | 73918025 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | From the 1008 |
| REDACTED |  | 73918025 | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | From the 1008 |
| REDACTED |  | 76076603 | REDACTED | Loan ID | manual | REDACTED | REDACTED | FROM THE LOAN ID |
| REDACTED |  | 76076603 | REDACTED | Qualifying CLTV | propertyValuationPage | REDACTED | REDACTED | Rounding |
| REDACTED |  | 76076603 | REDACTED | Borrower 1 Phone Number | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 76076603 | REDACTED | ULI | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 76076603 | REDACTED | Note Date | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | 76076603 | REDACTED | Property Tax Amount | titlePage | REDACTED | REDACTED | Per tax doc |
| REDACTED |  | 70459425 | REDACTED | Other Lien Loan ID | secondHelocAdditionalDataPage | REDACTED | REDACTED |  |
| REDACTED |  | 70459425 | REDACTED | Originator QM Status | diligenceFinalLookPage | REDACTED | REDACTED |  |
| REDACTED |  | 70459425 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | 76643757 | REDACTED | Proposed Other Financing P&I | the1008Page | REDACTED | REDACTED | REDACTED |
| REDACTED |  | 76643757 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | Same value |
| REDACTED |  | 76643757 | REDACTED | All Borrower Total Income | the1003Page | REDACTED | REDACTED | REDACTED |
| REDACTED |  | 76643757 | REDACTED | Qualifying CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | 76643757 | REDACTED | Borrower 1 Phone Number | the1003Page | REDACTED | REDACTED | Same value |
| REDACTED |  | 76643757 | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | 76643757 | REDACTED | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | REDACTED | REDACTED |  |
| REDACTED |  | 70244615 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 70244615 | REDACTED | Qualifying LTV | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 70244615 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | 70244615 | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED |  |
| REDACTED |  | 70764144 | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | 70764144 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | 70764144 | REDACTED | Loan Purpose | the1003Page | REDACTED | REDACTED | from the 1003 |
| REDACTED |  | 70764144 | REDACTED | Originator QM Status | diligenceFinalLookPage | REDACTED | REDACTED |  |
| REDACTED |  | 70764144 | REDACTED | Originator Doc Type | employmentIncomePage | REDACTED | REDACTED |  |
| REDACTED |  | 79390715 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | 79390715 | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | DSCR |
| REDACTED |  | 79390715 | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | Mapping |
| REDACTED |  | 79390715 | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | Mapping |
| REDACTED |  | 73895744 | REDACTED | Loan Purpose | the1003Page | REDACTED | REDACTED | from the final cd |
| REDACTED |  | 73895744 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 71634777 | REDACTED | All Borrower Total Income | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 71634777 | REDACTED | Proposed Other Financing P&I | the1008Page | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 71634777 | REDACTED | Borrower 1 Phone Number | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 71634777 | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | 71634777 | REDACTED | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | REDACTED | REDACTED |  |
| REDACTED |  | 71195688 | REDACTED | Property Address | notePage | REDACTED | REDACTED |  |
| REDACTED |  | 71195688 | REDACTED | Borrower 1 First Name | notePage | REDACTED | REDACTED | from the note |
| REDACTED |  | 71195688 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | 71195688 | REDACTED | Borrower 1 Last Name | notePage | REDACTED | REDACTED | from the note |
| REDACTED |  | 71195688 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | 71195688 | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED |  |
| REDACTED |  | 72687213 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | 73991553 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | 73991553 | REDACTED | Loan Purpose | the1003Page | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | 73991553 | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | 73991553 | REDACTED | Originator Doc Type | employmentIncomePage | REDACTED | REDACTED | Same |
| REDACTED |  | 73991553 | REDACTED | Originator QM Status | diligenceFinalLookPage | REDACTED | REDACTED | Same |
| REDACTED |  | 73991553 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | From the 1008 |
| REDACTED |  | 77745294 | REDACTED | Originator QM Status | diligenceFinalLookPage | REDACTED | REDACTED |  |
| REDACTED |  | 77745294 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | 77745294 | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED |  |
| REDACTED |  | 79950358 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 79950358 | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 79950358 | REDACTED | Loan Purpose | the1003Page | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 79950358 | REDACTED | Originator QM Status | diligenceFinalLookPage | REDACTED | REDACTED |  |
| REDACTED |  | 79950358 | REDACTED | Originator Doc Type | employmentIncomePage | REDACTED | REDACTED | 2 yrs documentation provided |
| REDACTED |  | 79950358 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | 79671728 | REDACTED | Loan Purpose | the1003Page | REDACTED | REDACTED | Same |
| REDACTED |  | 79671728 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | From the 1008 |
| REDACTED |  | 73191230 | REDACTED | Refinance Type | the1003Page | REDACTED | REDACTED | from the final cd |
| REDACTED |  | 73191230 | REDACTED | Note Date | notePage | REDACTED | REDACTED | from the notet |
| REDACTED |  | 73191230 | REDACTED | PUD Rider | deedOfTrustPage | REDACTED | REDACTED | from the deed |
| REDACTED |  | 73191230 | REDACTED | Other Lien Loan ID | secondHelocAdditionalDataPage | REDACTED | REDACTED | From the VOM |
| REDACTED |  | 73191230 | REDACTED | QM Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | REDACTED | REDACTED | From the 1008 |
| REDACTED |  | 79480432 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 79480432 | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 79480432 | REDACTED | Borrower 1 First Name | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | 79480432 | REDACTED | ULI | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 79480432 | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | 79480432 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | 79128107 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | From the 1008 |
| REDACTED |  | 72185584 | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED |  |
| REDACTED |  | 72185584 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | from Note and Deed of trust |
| REDACTED |  | 72185584 | REDACTED | Loan Purpose | the1003Page | REDACTED | REDACTED |  |
| REDACTED |  | 72185584 | REDACTED | Originator QM Status | diligenceFinalLookPage | REDACTED | REDACTED |  |
| REDACTED |  | 72185584 | REDACTED | Originator Doc Type | employmentIncomePage | REDACTED | REDACTED | 12 months bank statements used for income qualifying |
| REDACTED |  | 72185584 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | 78341784 | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 78341784 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 78341784 | REDACTED | ULI | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 78341784 | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | 78341784 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | 79443910 | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 79443910 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 79443910 | REDACTED | Loan Program | the1003Page | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | 79443910 | REDACTED | Prepayment Penalty Type | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | 79443910 | REDACTED | Originator Doc Type | employmentIncomePage | REDACTED | REDACTED | NA |
| REDACTED |  | 79443910 | REDACTED | Originator QM Status | diligenceFinalLookPage | REDACTED | REDACTED | Same |
| REDACTED |  | 79443910 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | From the 1008 |
| REDACTED |  | 79443910 | REDACTED | Calculated DSCR | diligenceFinalLookPage | REDACTED | REDACTED | Not a dscr loan |
| REDACTED |  | 79443910 | REDACTED | Underwriting Guideline Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | Guideline name |
| REDACTED |  | 79443910 | REDACTED | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | REDACTED |
| REDACTED | REDACTED | 74876573 | REDACTED | Loan Type | the1003Page | REDACTED | REDACTED | Loan is DSCR |
| REDACTED | REDACTED | 74876573 | REDACTED | Proposed Other | the1008Page | REDACTED | REDACTED | Mapping |
| REDACTED | REDACTED | 74876573 | REDACTED | Proposed Hazard Insurance | the1008Page | REDACTED | REDACTED | Mapping |
| REDACTED | REDACTED | 74876573 | REDACTED | Proposed Other Financing P&I | the1008Page | REDACTED | REDACTED | Mapping |
| REDACTED | REDACTED | 74876573 | REDACTED | Proposed Housing Expense | the1008Page | REDACTED | REDACTED | Per PITIA docs in file |
| REDACTED | REDACTED | 74876573 | REDACTED | Proposed First Mortgage P&I | the1008Page | REDACTED | REDACTED | Mapping |
| REDACTED | REDACTED | 74876573 | REDACTED | Proposed Real Estate Taxes | the1008Page | REDACTED | REDACTED | Per tax doc |
| REDACTED | REDACTED | 74876573 | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | Per mortgage statement |
| REDACTED | REDACTED | 74876573 | REDACTED | Proposed Mortgage Insurance | the1008Page | REDACTED | REDACTED | Mapping |
| REDACTED | REDACTED | 74876573 | REDACTED | Proposed HOA | the1008Page | REDACTED | REDACTED | Mapping |
| REDACTED | REDACTED | 74876573 | REDACTED | Refinance Type | the1003Page | REDACTED | REDACTED | Mapping |
| REDACTED | REDACTED | 74876573 | REDACTED | B1 Country Name | the1003Page | REDACTED | REDACTED | Mapping |
| REDACTED | REDACTED | 74876573 | REDACTED | Loan Origination Company | notePage | REDACTED | REDACTED | Per Note |
| REDACTED | REDACTED | 74876573 | REDACTED | Borrower 1 Years in Current Home | the1003Page | REDACTED | REDACTED | Per 1003 |
| REDACTED | REDACTED | 74876573 | REDACTED | Initial Originator Signature Date | complianceDetailPage | REDACTED | REDACTED | Per 1003 |
| REDACTED | REDACTED | 74876573 | REDACTED | Borrower 1 SSN | the1003Page | REDACTED | REDACTED | Mapping |
| REDACTED | REDACTED | 74876573 | REDACTED | Negative Amortization Flag | notePage | REDACTED | REDACTED | Mapping |
| REDACTED | REDACTED | 74876573 | REDACTED | Balloon Flag | notePage | REDACTED | REDACTED | Mapping |
| REDACTED | REDACTED | 74876573 | REDACTED | Prepayment Penalty Flag | notePage | REDACTED | REDACTED | Mapping |
| REDACTED | REDACTED | 74876573 | REDACTED | Interest Only Flag | notePage | REDACTED | REDACTED | Mapping |
| REDACTED |  | 74188511 | REDACTED | All Borrower Total Income | the1003Page | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 74188511 | REDACTED | Proposed Other Financing P&I | the1008Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 74188511 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 74188511 | REDACTED | Qualifying CLTV | propertyValuationPage | REDACTED | REDACTED | Rounding |
| REDACTED |  | 74188511 | REDACTED | Borrower 1 Phone Number | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 74188511 | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | 78069581 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | 78069581 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | 77118491 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 77118491 | REDACTED | Loan Purpose | the1003Page | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 77118491 | REDACTED | Qualifying CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | 77118491 | REDACTED | Qualifying LTV | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 70055410 | REDACTED | Qualifying LTV | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 70055410 | REDACTED | Loan Purpose | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 70055410 | REDACTED | Qualifying CLTV | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 74325271 | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | outstanding balance of 1st mortgage |
| REDACTED |  | 74325271 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | same |
| REDACTED |  | 74325271 | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | loan amount on new second |
| REDACTED |  | 74325271 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | 76575486 | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | FROM THE FINAL 1003 |
| REDACTED |  | 76575486 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 76575486 | REDACTED | ULI | the1003Page | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 76575486 | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | 76575486 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | 75422744 | REDACTED | Loan ID | manual | REDACTED | REDACTED |  |
| REDACTED |  | 75422744 | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | FROM MORTGAGE STATEMENT |
| REDACTED |  | 75422744 | REDACTED | Application Date | complianceDetailPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | 75422744 | REDACTED | Note Date | notePage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | 75422744 | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM NOTE |
| REDACTED |  | 75422744 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | 77817143 | REDACTED | Loan ID | manual | REDACTED | REDACTED | From the 1003 |
| REDACTED |  | 77817143 | REDACTED | Qualifying CLTV | propertyValuationPage | REDACTED | REDACTED | From the 1008 |
| REDACTED |  | 77817143 | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | NA |
| REDACTED |  | 77817143 | REDACTED | Qualifying FICO | creditLiabilitiesPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | 77817143 | REDACTED | Originator QM Status | diligenceFinalLookPage | REDACTED | REDACTED | Same |
| REDACTED |  | 77817143 | REDACTED | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | REDACTED | REDACTED | From the 1008 |
| REDACTED |  | 72858861 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE APPRAISAL |
| REDACTED |  | 72858861 | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 72858861 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Per most recent 1st lien UPB + second mortgage |
| REDACTED |  | 71764017 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | LTV VS CLTV |
| REDACTED |  | 71764017 | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | NOT A BUSINESS LOAN |
| REDACTED |  | 77894418 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | 72214642 | REDACTED | Qualifying CLTV | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 72214642 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 72214642 | REDACTED | Qualifying LTV | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 72214642 | REDACTED | Loan Purpose | the1003Page | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 71006908 | REDACTED | Qualifying FICO | creditLiabilitiesPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | 71006908 | REDACTED | Loan Purpose | the1003Page | REDACTED | REDACTED |  |
| REDACTED |  | 71006908 | REDACTED | Loan Program | the1003Page | REDACTED | REDACTED |  |
| REDACTED |  | 71006908 | REDACTED | Originator Doc Type | employmentIncomePage | REDACTED | REDACTED |  |
| REDACTED |  | 71006908 | REDACTED | Underwriting Guideline Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | 73551083 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | 73551083 | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | Mapping |
| REDACTED |  | 73551083 | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | Per Note |
| REDACTED |  | 73551083 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Per most recent first lien UPB + second mortgage |
| REDACTED |  | 77304747 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | 77304747 | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED |  |
| REDACTED |  | 78409228 | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | 78409228 | REDACTED | Loan Amount | notePage | REDACTED | REDACTED |  |
| REDACTED |  | 77907856 | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | From the CR |
| REDACTED |  | 77907856 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | Same |
| REDACTED |  | 77907856 | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | From the Note |
| REDACTED |  | 74388281 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | 74388281 | REDACTED | Property Address | notePage | REDACTED | REDACTED | Per Note |
| REDACTED |  | 74388281 | REDACTED | Loan Purpose | the1008Page | REDACTED | REDACTED | Mapping |
| REDACTED |  | 74388281 | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | Per 1003 |
| REDACTED |  | 74388281 | REDACTED | Prepayment Penalty Type | notePage | REDACTED | REDACTED | Mapping |
| REDACTED |  | 74388281 | REDACTED | Originator Doc Type | employmentIncomePage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | 74388281 | REDACTED | Originator QM Status | diligenceFinalLookPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | 74388281 | REDACTED | Calculated DSCR | diligenceFinalLookPage | REDACTED | REDACTED | Loan is not a DSCR loan |
| REDACTED |  | 74388281 | REDACTED | Underwriting Guideline Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | Per guidelines |
| REDACTED |  | 74388281 | REDACTED | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | 70539888 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | 73746466 | REDACTED | Loan Purpose | the1003Page | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 73746466 | REDACTED | Qualifying LTV | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 73746466 | REDACTED | Qualifying CLTV | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 70597141 | REDACTED | Loan ID | manual | REDACTED | REDACTED |  |
| REDACTED |  | 70597141 | REDACTED | Borrower 1 Email or Internet | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 70597141 | REDACTED | Borrower 1 Phone Number | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 70597141 | REDACTED | Balloon Flag | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | 70597141 | REDACTED | Note Date | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | 70597141 | REDACTED | Closing/Settlement Date | hudClosingDetailPage | REDACTED | REDACTED | FROM THE HUD |
| REDACTED |  | 70597141 | REDACTED | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | REDACTED | REDACTED | Rounding difference |
| REDACTED |  | 79132804 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | 71400034 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | 71400034 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | 74781519 | REDACTED | Qualifying LTV | propertyValuationPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | 74781519 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | Same value, entry discrepancy |
| REDACTED |  | 74781519 | REDACTED | Qualifying CLTV | propertyValuationPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | 74781519 | REDACTED | Borrower 1 First Name | notePage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | 74781519 | REDACTED | Loan Purpose | the1003Page | REDACTED | REDACTED | Same value, entry discrepancy |
| REDACTED |  | 72288367 | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 72288367 | REDACTED | ULI | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 72288367 | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | 72288367 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | 72721014 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 72721014 | REDACTED | Qualifying LTV | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 72721014 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | CLTV VS LTV |
| REDACTED |  | 72721014 | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED |  |
| REDACTED |  | 77401808 | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 77401808 | REDACTED | Loan Purpose | the1003Page | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 77401808 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 77401808 | REDACTED | Qualifying FICO | creditLiabilitiesPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | 77401808 | REDACTED | Originator QM Status | diligenceFinalLookPage | REDACTED | REDACTED |  |
| REDACTED |  | 77401808 | REDACTED | Originator Doc Type | employmentIncomePage | REDACTED | REDACTED |  |
| REDACTED |  | 77401808 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | 76073621 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | 77761611 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Rounding difference |
| REDACTED |  | 71484380 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | LTV VS CLTV |
| REDACTED |  | 71484380 | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED |  |
| REDACTED |  | 78110574 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | 78110574 | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED |  |
| REDACTED |  | 78447631 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | From the 008 |
| REDACTED |  | 71972044 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | 71972044 | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED |  |
| REDACTED |  | 79283852 | REDACTED | Loan ID | manual | REDACTED | REDACTED | FROM THE LOAN ID |
| REDACTED |  | 79283852 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 79283852 | REDACTED | Borrower 1 Last Name | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | 79283852 | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED |  |
| REDACTED |  | 78643269 | REDACTED | Loan ID | manual | REDACTED | REDACTED | from the loan id |
| REDACTED |  | 78643269 | REDACTED | Borrower 1 Last Name | notePage | REDACTED | REDACTED | from the note |
| REDACTED |  | 78643269 | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | 78374978 | REDACTED | Qualifying LTV | propertyValuationPage | REDACTED | REDACTED | From the 1008 |
| REDACTED |  | 78374978 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | From the 1008 |
| REDACTED |  | 78977948 | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | from the 1003 |
| REDACTED |  | 78977948 | REDACTED | Loan Purpose | the1003Page | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | 78977948 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | 78977948 | REDACTED | Originator QM Status | diligenceFinalLookPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | 78977948 | REDACTED | Originator Doc Type | employmentIncomePage | REDACTED | REDACTED | Per income docs |
| REDACTED |  | 77458352 | REDACTED | Qualifying LTV | propertyValuationPage | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | 77458352 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | 74547625 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 74547625 | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 74547625 | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 74547625 | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | 74547625 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | 71545298 | REDACTED | Qualifying LTV | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 71545298 | REDACTED | Loan Purpose | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 71545298 | REDACTED | Qualifying CLTV | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 71545298 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 73369811 | REDACTED | Qualifying CLTV | propertyValuationPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | 73369811 | REDACTED | Loan Purpose | the1003Page | REDACTED | REDACTED | Refinance fro cash out |
| REDACTED |  | 73369811 | REDACTED | Qualifying LTV | propertyValuationPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | 73369811 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | Same value, entry discrepancy |
| REDACTED |  | 73603971 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | 75532257 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | 75532257 | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | from the 1003 |
| REDACTED |  | 75532257 | REDACTED | ULI | the1003Page | REDACTED | REDACTED | from the 1003 |
| REDACTED |  | 75532257 | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | from the note |
| REDACTED |  | 75532257 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | 73932871 | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | FROM THE FINAL 1003 |
| REDACTED |  | 73932871 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 73932871 | REDACTED | Application Date | complianceDetailPage | REDACTED | REDACTED | FROM THE INTIAL 1003 |
| REDACTED |  | 73932871 | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | 73932871 | REDACTED | ULI | the1003Page | REDACTED | REDACTED | Same |
| REDACTED |  | 75180451 | REDACTED | Loan ID | manual | REDACTED | REDACTED |  |
| REDACTED |  | 75180451 | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 75180451 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 75180451 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | From the 1008 |
| REDACTED |  | 75941349 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | 72119285 | REDACTED | Loan ID | manual | REDACTED | REDACTED | from the loan ID |
| REDACTED |  | 72119285 | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | 72119285 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | 72119285 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | 70771170 | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 70771170 | REDACTED | ULI | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 70771170 | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | 70771170 | REDACTED | Primary Appraised Property Value | propertyValuationPage | REDACTED | REDACTED | Per appraisal report |
| REDACTED |  | 70771170 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | 73290603 | REDACTED | Borrower 1 Phone Number | the1003Page | REDACTED | REDACTED | from the 1003 |
| REDACTED |  | 73290603 | REDACTED | Borrower 1 Email or Internet | the1003Page | REDACTED | REDACTED | from the 1003 |
| REDACTED |  | 73290603 | REDACTED | Balloon Flag | notePage | REDACTED | REDACTED | from the note |
| REDACTED |  | 73290603 | REDACTED | MIN No | deedOfTrustPage | REDACTED | REDACTED | from the deed |
| REDACTED |  | 73290603 | REDACTED | Closing/Settlement Date | finalCdDetailPage | REDACTED | REDACTED | from the final cd |
| REDACTED |  | 73290603 | REDACTED | Monthly Property Tax Amount | titlePage | REDACTED | REDACTED | NA |
| REDACTED |  | 73290603 | REDACTED | HOA Flag | propertyValuationPage | REDACTED | REDACTED | NA |
| REDACTED |  | 73290603 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | From the 1008 |
| REDACTED |  | 73290603 | REDACTED | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | REDACTED | REDACTED | From the 1008 |
| REDACTED |  | 73290603 | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED |  |
| REDACTED |  | 71697524 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | LTV VS CLTV |
| REDACTED |  | 71697524 | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED |  |
| REDACTED |  | 75029349 | REDACTED | Borrower 1 First Name | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | 75029349 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | CLVT VS LTV |
| REDACTED |  | 75029349 | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | NOT BUSINESS PURPOSE |
| REDACTED |  | 74849461 | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 74849461 | REDACTED | Loan Purpose | the1003Page | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 74849461 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 74849461 | REDACTED | Originator QM Status | diligenceFinalLookPage | REDACTED | REDACTED |  |
| REDACTED |  | 74849461 | REDACTED | Originator Doc Type | employmentIncomePage | REDACTED | REDACTED |  |
| REDACTED |  | 74849461 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | 72444743 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | 75709787 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | 75709787 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | 72330412 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 72330412 | REDACTED | Property City | notePage | REDACTED | REDACTED |  |
| REDACTED |  | 72330412 | REDACTED | Loan Purpose | the1003Page | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 72330412 | REDACTED | Qualifying CLTV | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 72330412 | REDACTED | Qualifying LTV | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 76518819 | REDACTED | Qualifying LTV | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 76518819 | REDACTED | Property City | notePage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 76518819 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 76518819 | REDACTED | Qualifying CLTV | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 76518819 | REDACTED | Loan Purpose | the1003Page | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 75757514 | REDACTED | Qualifying LTV | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 75757514 | REDACTED | Borrower 1 First Name | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | 75757514 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | 75757514 | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | Per data tape |
| REDACTED |  | 72505621 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | 78838453 | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 78838453 | REDACTED | Application Date | complianceDetailPage | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 78838453 | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | 78838453 | REDACTED | ULI | the1003Page | REDACTED | REDACTED | Same |
| REDACTED |  | 78838453 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | From the 1008 |
| REDACTED |  | 78416089 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | 78416089 | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | Per lender's instruction |
| REDACTED |  | 74430828 | REDACTED | Borrower 1 Last Name | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | 74430828 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | 74430828 | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED |  |
| REDACTED |  | 76493601 | REDACTED | Loan ID | manual | REDACTED | REDACTED | from the loan ID |
| REDACTED |  | 76493601 | REDACTED | Loan Purpose | the1003Page | REDACTED | REDACTED | from the 1003 |
| REDACTED |  | 76493601 | REDACTED | Originator Doc Type | employmentIncomePage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | 76493601 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | 76493601 | REDACTED | Calculated DSCR | diligenceFinalLookPage | REDACTED | REDACTED |  |
| REDACTED |  | 76493601 | REDACTED | Underwriting Guideline Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED |  |
| REDACTED |  | 72986521 | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 72986521 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 72986521 | REDACTED | Application Date | complianceDetailPage | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 72986521 | REDACTED | ULI | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 72986521 | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | 72986521 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | 77259810 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 77259810 | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 77259810 | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | 77259810 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | 72651542 | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 72651542 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 72651542 | REDACTED | ULI | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 72651542 | REDACTED | Application Date | complianceDetailPage | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 72651542 | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | 72651542 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Rounding |
| REDACTED |  | 71306685 | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 71306685 | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 71306685 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 71306685 | REDACTED | Application Date | complianceDetailPage | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 71306685 | REDACTED | ULI | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 71306685 | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | 71306685 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | 79727537 | REDACTED | Loan ID | manual | REDACTED | REDACTED | FROM THE LOAN id |
| REDACTED |  | 79727537 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 79727537 | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | Per 1003 |
| REDACTED |  | 79727537 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | 72915121 | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 72915121 | REDACTED | ULI | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 72915121 | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 72915121 | REDACTED | Application Date | complianceDetailPage | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 73268788 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 73268788 | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 73268788 | REDACTED | Application Date | complianceDetailPage | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 73268788 | REDACTED | ULI | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 73268788 | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | 73268788 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | 77061201 | REDACTED | Borrower 1 First Name | notePage | REDACTED | REDACTED |  |
| REDACTED |  | 77061201 | REDACTED | Property Address | notePage | REDACTED | REDACTED |  |
| REDACTED |  | 77061201 | REDACTED | Qualifying LTV | propertyValuationPage | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | 77061201 | REDACTED | Loan Purpose | the1003Page | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | 75958435 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 75958435 | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 75958435 | REDACTED | Application Date | complianceDetailPage | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 75958435 | REDACTED | ULI | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 75958435 | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 75958435 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | 79013281 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 79013281 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | 79571647 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | 79571647 | REDACTED | Qualifying CLTV | propertyValuationPage | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | 79571647 | REDACTED | Qualifying LTV | propertyValuationPage | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | 79571647 | REDACTED | Loan Purpose | the1003Page | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | 79571647 | REDACTED | Property Address | notePage | REDACTED | REDACTED | Per Note |
| REDACTED |  | 78107960 | REDACTED | Loan ID | manual | REDACTED | REDACTED | fro the loan ID |
| REDACTED |  | 78107960 | REDACTED | Qualifying CLTV | propertyValuationPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | 78107960 | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | 78107960 | REDACTED | Borrower 1 Phone Number | the1003Page | REDACTED | REDACTED | from the 1003 |
| REDACTED |  | 78107960 | REDACTED | ULI | the1003Page | REDACTED | REDACTED | from the 1003 |
| REDACTED |  | 74457815 | REDACTED | Qualifying LTV | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 74457815 | REDACTED | Loan Purpose | the1003Page | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 74457815 | REDACTED | Qualifying CLTV | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 74457815 | REDACTED | Borrower 1 First Name | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | 74457815 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 76937139 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | 75415257 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | LTV VS CLTV |
| REDACTED |  | 75415257 | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED |  |
| REDACTED |  | 77659005 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | 77659005 | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED |  |
| REDACTED |  | 77739610 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 77739610 | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 77739610 | REDACTED | ULI | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 77739610 | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | 71470170 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | LTV VS CLTV |
| REDACTED |  | 71470170 | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | SAME |
| REDACTED |  | 76239641 | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 76239641 | REDACTED | Borrower 1 Last Name | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | 76239641 | REDACTED | ULI | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 76239641 | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | 76239641 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | 74141113 | REDACTED | Loan Purpose | the1003Page | REDACTED | REDACTED | from the 1003 |
| REDACTED |  | 74141113 | REDACTED | Qualifying CLTV | propertyValuationPage | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | 74141113 | REDACTED | Borrower 1 First Name | notePage | REDACTED | REDACTED | from the 1003 |
| REDACTED |  | 74141113 | REDACTED | Qualifying LTV | propertyValuationPage | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | 74159612 | REDACTED | Loan Purpose | the1003Page | REDACTED | REDACTED | FROM THE FINAL CD |
| REDACTED |  | 74159612 | REDACTED | Qualifying LTV | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 74159612 | REDACTED | Qualifying CLTV | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 74159612 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 75217666 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | ltv vs cltv |
| REDACTED |  | 75217666 | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED |  |
| REDACTED |  | 70179598 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | From the 1008 |
| REDACTED |  | 70179598 | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | NA |
| REDACTED |  | 78822419 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | 78822419 | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | Per guidelines |
| REDACTED |  | 72727305 | REDACTED | Qualifying LTV | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 72727305 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | From the 1008 |
| REDACTED |  | 72727305 | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | NA |
| REDACTED |  | 75664549 | REDACTED | Borrower 1 Email or Internet | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 75664549 | REDACTED | Borrower 1 Phone Number | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 75664549 | REDACTED | Balloon Flag | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | 75664549 | REDACTED | MIN No | deedOfTrustPage | REDACTED | REDACTED | FROM THE DEED |
| REDACTED |  | 75664549 | REDACTED | Closing/Settlement Date | finalCdDetailPage | REDACTED | REDACTED | FROM THE FINAL CD |
| REDACTED |  | 75664549 | REDACTED | Monthly Property Tax Amount | titlePage | REDACTED | REDACTED | Per Title report |
| REDACTED |  | 75664549 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | 79363821 | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | 79363821 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | 79363821 | REDACTED | Application Date | complianceDetailPage | REDACTED | REDACTED | from the 1003 |
| REDACTED |  | 79363821 | REDACTED | ULI | the1003Page | REDACTED | REDACTED | from the 1003 |
| REDACTED |  | 79363821 | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | from the note |
| REDACTED |  | 79363821 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED |  |

---

## Exhibit 99.7

[VISTA POINT ASSETS LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.7 - Schedule 3**

---

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| **Loan ID** | **Seller Loan ID** | **Marketing 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?** |
| REDACTED |  | 78023401 D B A | Closed | FCRE2109 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved- - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Counter-The figures and notes are all still for the REDACTED P&L. Please update. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Comments on 1008 now, but will need updated income worksheet and 1008 with updated P&L - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED  |  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 78023401 D B A | Closed | FCRE8946 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Income/Employment | Income documentation expiration dates | Resolved-Copy of updated P&L with name matches docusigned copy. Company name visbile. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Counter-Updated P&L received - name of business cannot be read. Please submit P&L with readable business name. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-P&L income is expired. Income is from REDACTED . Unable to determine if P&L reflect end date of REDACTED or REDACTED . Dates of the month are needed on the P&L. P&L income is more than 60 days old from note date. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED  | Resolved-Copy of updated P&L with name matches docusigned copy. Company name visbile. - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 78023401 D B A | Closed | FCRE1316 | REDACTED | REDACTED | 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-REDACTED <br> Ready for Review-Document Uploaded. VOE - Seller-REDACTED <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Verification of business within 30 days of closing is not in file - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. VOE - Seller-REDACTED  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 78023401 D B A | Closed | FCRE1325 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-SOS verification received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. REDACTED PRINTOUT - VERIFY 2 YEAR HISTORY - Seller-REDACTED <br> Open-Borrower 1 CPA Letter Missing CPA letter verifying business existence a minimum of two years is not in file - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. REDACTED PRINTOUT - VERIFY 2 YEAR HISTORY - Seller-REDACTED  | Resolved-SOS verification received - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 78023401 D B A | Closed | FCRE8201 | REDACTED | REDACTED | Acknowledged | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Acknowledged-REDACTED approval to allow exception received - email. Lender exception form received to make exception for seasoning. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. See attached exception approval - Seller-REDACTED<br> Counter-Lender exception received, investor exception approval is required also. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Please see approved internal / exception request - Seller-REDACTED <br> Open-Subject property was purchased (note date) REDACTED which is less than REDACTED months ownership (REDACTED). Property is ineligble per program guidelines. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. See attached exception approval - Seller-REDACTED<br> Ready for Review-Document Uploaded. Please see approved internal / exception request - Seller-REDACTED | Acknowledged-REDACTED approval to allow exception received - email. Lender exception form received to make exception for seasoning. - Due Diligence Vendor-0REDACTED |  | REDACTED months reserves, credit history, FICO, time in employment/self-employment | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes |
| REDACTED |  | 78023401 D B A | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Unable to Resolve-Final title received showing insurance coverage amount - resolved. - Due Diligence Vendor-REDACTED<br> Resolved-Unable to Resolve-Final Title policy with insurance coverage amount listed. Resolved. - Due Diligence Vendor-REDACTED<br> Unable to Resolve-Unable to Resolve-FINAL TP uploaded - Seller-REDACTED <br> Unable to Resolve-Unable to Resolve-Document Uploaded. See attached final title policy with title coverage - Seller-REDACTED<br> Counter-Unable to Resolve-The dollar amount under the proposed insured is the loan amount. The title coverage amount for lenders title coverage is needed. - Due Diligence Vendor-REDACTED<br> Unable to Resolve-Unable to Resolve-The loan amt of REDACTED is under the proposed insured. - Seller-REDACTED <br> Counter-Unable to Resolve-Supplement shows loan amount. Title insurance coverage amount is not present on supplement. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Title Supp with REDACTED of REDACTED - Seller-REDACTED<br> Open-Verification of amount of lender's title coverage amount is not present. - Due Diligence Vendor-REDACTED | Unable to Resolve-Unable to Resolve-FINAL TP uploaded - Seller-REDACTED <br> Unable to Resolve-Unable to Resolve-Document Uploaded. See attached final title policy with title coverage - Seller-REDACTED<br> Unable to Resolve-Unable to Resolve-The loan amt of REDACTED is under the proposed insured. - Seller-REDACTED <br> Ready for Review-Document Uploaded. Title Supp with REDACTED of REDACTED - Seller-REDACTED | Resolved-Unable to Resolve-Final title received showing insurance coverage amount - resolved. - Due Diligence Vendor-REDACTED<br> Resolved-Unable to Resolve-Final Title policy with insurance coverage amount listed. Resolved. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 78023401 D B A | Closed | FCRE1764 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Verification of Mortgage | Resolved-Qualified at first lien REDACTED, DTI under REDACTED, note reviewed - no balloon - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. see attached note for current loan / see page 1 section 2 - Seller-REDACTED<br> Open-First mortgage note required to verify terms of REDACTED - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. see attached note for current loan / see page 1 section 2 - Seller-REDACTED | Resolved-Qualified at first lien I/O pymt, DTI under REDACTED, note reviewed - no balloon - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 78023401 D B A | Closed | FCRE3653 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-Received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Business Purpose cash out letter - executed - Seller-REDACTED<br> Open-Use of funds LOE required - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Business Purpose cash out letter - executed - Seller-REDACTED | Resolved-Received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 78023401 D B A | Closed | FCOM1477 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. rate lock attached - Seller-REDACTED<br> Open-Evidence of Rate Lock Missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. rate lock attached - Seller-REDACTED | Resolved-Received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 78023401 D B A | Closed | FCOM8227 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Initial Loan Estimate is not Missing. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. See attached initial LE dated REDACTED with REDACTED - the COC is incorrect changing the loan amt to REDACTED. Borrower signed initial CD and sent on REDACTED with REDACTED. - Seller-REDACTED<br> Open-Initial Loan Estimate is Missing. MISSING THE INITIAL LE AND REVISED LE PER REDACTED. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. See attached initial LE dated REDACTED with REDACTED - the COC is incorrect changing the loan amt to REDACTED. Borrower signed initial CD and sent on REDACTED with REDACTED. - Seller-REDACTED | Resolved-Initial Loan Estimate is not Missing. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 71415592 D A | Closed | FCRE3653 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-Received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Hardship Letter missing from original file. Kindly clear condition - Seller-REDACTED<br> Open-Hardship reason for first mortgage not documented. Modification documents are in file. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Hardship Letter missing from original file. Kindly clear condition - Seller-REDACTED | Resolved-Received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 71415592 D A | Closed | FCRE1316 | REDACTED | REDACTED | 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-REDACTED<br> Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Attached Written VOE is dated REDACTED - Note date REDACTED . VOE is dated within 10 days of Note. Please clear. Copy attached. - Seller-REDACTED<br> Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Attached Written VOE is dated REDACTED - Note date REDACTED . VOE is dated within 10 days of Note. Please clear. Copy attached. - Seller-REDACTED | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 71415592 D A | Closed | FCRE2109 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Income Attached. Kindly clear - Seller-REDACTED<br> Open- - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Income Attached. Kindly clear - Seller-REDACTED | Resolved-Received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 71415592 D A | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Updated title received with all requirements addressed. Valid second lien position verified. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. See correct Title commitment with 2nd endorsement. Deferred balance second lien omitted. 1st lien no requirement to satisfy. Subject loan is in second position. Thank you for clearing this condition. - Seller-REDACTED<br> Open-1. There are two separate problems with the HUD lien from the modificaiton - guideline requirements and lien position for this loan. 1a. Verification that the lien with HUD was paid prior to closing is required. This lien is from the modification of the first mortgage (documents in file). It is a second lien on title, making this loan in third lien position. 1b. App date is REDACTED. Per guidelines date REDACTED in place at the time of application, all deferred balances on a first mortgage must be paid in full at/prior to closing. REDACTED<br>2. Title to be updated to reflect no requirement for the first lien to be paid in full REDACTED - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. See correct Title commitment with 2nd endorsement. Deferred balance second lien omitted. 1st lien no requirement to satisfy. Subject loan is in second position. Thank you for clearing this condition. - Seller-REDACTED | Resolved-Updated title received with all requirements addressed. Valid second lien position verified. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 71415592 D A | Closed | FCRE3978 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Resolved-Cash out LOE received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Cashout Letter missing from original Kindly clear. - Seller-REDACTED<br> Open-MISSING LETTER OF EXPLANATION FOR CASH OUT ON THIS TRANSACTION. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Cashout Letter missing from original Kindly clear. - Seller-REDACTED | Resolved-Cash out LOE received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 72074920 D A C | Closed | FVAL9739 | REDACTED | REDACTED | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-ADU is given no value in appraisal, REDACTEDokay to proceed at this time. - Due Diligence Vendor-REDACTED<br> Counter-Valuation was reviewed by investor last week. REDACTED determination is a 1004D is required to verify the ADU vonstruction is complete. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Please clear based off attached addendum and Appraisal being marked As-Is. ADU completed in a worklike manner no health and safety concerns noted per appraiser, value is not given to ADU and not included in subject GLA. - Seller-REDACTED<br> Counter-Per REDACTED - a 1004D is required to verify the ADU vonstruction is complete. - Due Diligence Vendor-REDACTED<br> Ready for Review-Please refer to supplemental addendum which comments on the ADU- no health or safety concerns noted, no value or GLA given to ADU - Seller-REDACTED<br> Open-The ADU is actively under construction. Inspection record on page 262. Verification the construction on the ADU is complete is required. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Please clear based off attached addendum and Appraisal being marked As-Is. ADU completed in a worklike manner no health and safety concerns noted per appraiser, value is not given to ADU and not included in subject GLA. - Seller-REDACTED<br> Ready for Review-Please refer to supplemental addendum which comments on the ADU- no health or safety concerns noted, no value or GLA given to ADU - Seller-REDACTED | Resolved-ADU is given no value in appraisal, REDACTED okay to proceed at this time. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 72074920 D A C | Closed | FCOM7001 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | TRID | Missing Post Consummation Closing Disclosure | Resolved-PCCD received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. PCCD attached - Buyer-REDACTED<br> Open-PCCD needed to correct final CD. Final CD page 286 shows taxes & insurance as "yes" for in escrow. This loan does not have an escrow account available. (Taxes & insurance are escrowed on the first mortgage per statement.) - Due Diligence Vendor-REDACTED |  | Resolved-PCCD received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 72074920 D A C | Closed | FCRE1148 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien(s) - Due Diligence Vendor-REDACTED<br> Resolved-. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. title sup uploaded - Buyer-REDACTED<br> Open-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien(s) - Title policy does not reflect coverage amount - Due Diligence Vendor-REDACTED |  | Resolved-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien(s) - Due Diligence Vendor-REDACTED<br> Resolved-. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 72074920 D A C | Closed | FCRE1161 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-REDACTED<br> Resolved-Received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. flood cert uploaded - Buyer-REDACTED<br> Open-Missing Flood Certificate - Due Diligence Vendor-REDACTED |  | Resolved-Flood Certificate is fully present - Due Diligence Vendor-REDACTED<br> Resolved-Received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 72074920 D A C | Closed | finding-3515 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved-Resolved - App date updated as per additional 1003 in file - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. adverse action letter uploaded. - Seller-REDACTED<br> Counter-Per other findings comments, the REDACTED application was placed in the file in error and was for a prior REDACTED. Please provide the adverse action letter from the lender for the application dated REDACTED as verification for the file. - Due Diligence Vendor-REDACTED<br> Ready for Review-REDACTED is the initial app date - Buyer-REDACTED<br> Open-Initial Application in file is dated REDACTED. Initial LE is REDACTED. - Due Diligence Vendor-REDACTED<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 ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $REDACTED, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on REDACTED PLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, REDACTED calculations will presume the company'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. - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. adverse action letter uploaded. - Seller-REDACTED | Resolved-Resolved - App date updated as per additional 1003 in file - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 72074920 D A C | Closed | FCOM1234 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | Closing | The Final 1003 is Not Executed | Resolved-The Final 1003 is Executed - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Final 1003 uploaded - Buyer-REDACTED<br> Open-Final 1003 - REDACTED- is executed by REDACTED and REDACTED who signed as an REDACTED. Corrected final 1003 needed with REDACTED. - Due Diligence Vendor-REDACTED |  | Resolved-The Final 1003 is Executed - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 72074920 D A C | Closed | finding-3838 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | ComplianceEase | Written List of Service Providers Disclosure Date Test | Resolved-Resolved - App date updated as per additional 1003 in file - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Counter-Please provide the adverse action letter from the lender for the application dated REDACTED as verification for the file. - Due Diligence Vendor-REDACTED<br> Ready for Review-There was a 1003 erroneously input in the closing package from a previous REDACTED the seller cancelled and REDACTED. Please waive - Buyer-REDACTED<br> Open-Initial Application in file is dated REDACTED. Initial LE is REDACTED. - Due Diligence Vendor-REDACTED<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 company settings business days profile page:NoneAs not being open on PLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, REDACTED calculations will presume the company'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-REDACTED<br> Open- - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Resolved - App date updated as per additional 1003 in file - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 72074920 D A C | Closed | FCOM8227 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Initial Loan Estimate is not Missing. - Due Diligence Vendor-REDACTED<br> Resolved-pg 48 - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. REDACTED was accidentally included in closing package. This was from a previous REDACTED that was cancelled. Attached is the inital 1003/initial LE dated REDACTED - Buyer-0REDACTED<br> Open-Initial Loan Estimate is Missing. THE APPLICATION DATE IS REDACTED FROM THE INITIAL APPLICATION ON PAGE 298. THE EARLIEST LE IN THE FILE IS DATED REDACTED. - Due Diligence Vendor-REDACTED |  | Resolved-Initial Loan Estimate is not Missing. - Due Diligence Vendor-REDACTED<br> Resolved-pg 48 - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 72074920 D A C | Closed | FCOM1287 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-attached - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Attached - Seller-REDACTED <br> Open-Consumer Caution and Home Owner Counseling Notice is Missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Attached - Seller-REDACTED | Resolved-attached - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 72074920 D A C | Closed | FCOM1266 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-pg 40/72 - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Attached - Buyer-REDACTED<br> Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-REDACTED |  | Resolved-pg 40/72 - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 72074920 D A C | Closed | FCOM5135 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-pg 25/72 attached - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Attached - Buyer-REDACTED <br> Open-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-REDACTED |  | Resolved-pg 25/72 attached - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 74411760 D A | Closed | FCRE1440 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-LOE/rent explained on housing history. No additional documentation to be obtained. - Due Diligence Vendor-REDACTED<br> Counter-Unable to determine what documentation uploaded is to clarify. None of the transaction amounts are able to be verified as there is no account number or name on the document, no amounts match what was stated as rent amount. Housing History Does Not Meet Guideline Requirements LOE ON PAGE 124 STATES REDACTED, BUT REDACTED. PAGE 304 SHOWS REDACTED, MISSINGREDACTED. 12 months of housing history and rent/mortgage payments not verified. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-Housing History Does Not Meet Guideline Requirements LOE ON PAGE 124 STATES REDACTED STARING IN REDACTED, BUT REDACTED, MISSING REDACTED PAYMENTS. 12 months of housing history and rent/mortgage payments not verified. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-LOE/rent explained on housing history. No additional documentation to be obtained. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 74411760 D A | Closed | FCRE3978 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Resolved-Received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-USE FOR CASH OUT LETTER IS MISSING FROM FILE - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 74411760 D A | Closed | FCRE5782 | REDACTED | REDACTED | 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-REDACTED<br> Resolved-UDM received - Due Diligence Vendor-REDACTED<br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-REDACTED |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED<br> Resolved-UDM received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 74411760 D A | Closed | FCRE5783 | REDACTED | REDACTED | 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-REDACTED<br> Resolved-UDM received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED<br> Resolved-UDM received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 74411760 D A | Closed | FCRE1252 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Title Document is Provided And Complete - Due Diligence Vendor-REDACTED<br> Resolved-Received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Title Document is Incomplete Lender's coverage is missing from preliminary title. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Title Document is Provided And Complete - Due Diligence Vendor-REDACTED <br> Resolved-Received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 75841078 D A | Closed | FCRE5116 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Documentation received. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Hi,<br> Please see attached. <br> Thanks! - Buyer-REDACTED <br> Open-REDACTED statement/welcome letter is dated REDACTED on first mortgage is over 60 days from note date. - Due Diligence Vendor-REDACTED |  | Resolved-Documentation received. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| REDACTED |  | 75841078 D A | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Resolved - verified with docs & title - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Hi,<br> Please see attached. title page 8 of 10 item 5 shows current lien from REDACTED. That account is on the credit report, REDACTED and is reflecting as REDACTED that was recently transferred in REDACTED. (See the attached REDACTED Statement). the REDACTED statement account number matches the REDACTED account number listed on the credit report.<br> Thanks! - Buyer-REDACTED<br> Open-1. Title shows REDACTED as the first mortgage from REDACTED - property appears to have been recently refinanced with REDACTED. Updated title or explanation needed.<br> 2. REDACTED statement (page 157) in file shows property address as tied to the mortgage, but not listed on CBI or title. Was REDACTED paid off with recent refi of first lien? - Due Diligence Vendor-REDACTED |  | Resolved-Resolved - verified with docs & title - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| REDACTED |  | 76489432 D A | Closed | FCRE1316 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Verification of REDACTED, REDACTED, business documentation, and explanation of businesses received. Resolved. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Counter-Verification REDACTED is active received. There is no tie on documentation received between REDACTED and REDACTED. REDACTED is used for income verification as per bank statements are titled. Verification of the current active status of REDACTED for two years dated within 30 days of the note date is required. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Post Closer Cert regarding both REDACTED - name change and both are active - Seller-REDACTED<br> Counter-Countered back for lender to upload docs when obtained. Thanks. - Due Diligence Vendor-REDACTED<br> Ready for Review-Understood / thank you for the confirmation - working on this now and will send asap - Seller-REDACTED<br> Counter-<br> REDACTED<br> Documentation received - Certificate of Good Standing - does not cover a REDACTED year period. The initial filing date for the REDACTED is REDACTED. This is not two years of history of business license. <br> REDACTED - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Per the UW: We did not need a REDACTED on this file and the REDACTED is dated REDACTED which is acceptable. <br> Also see attached updated certificate of good standing........ is this what you are needing for the REDACTED REDACTED condition? We were not sure what you meant on this, please advise. - Seller-REDACTED<br> Counter-Verification (business licesnse/CPA letter) must be dated within 30 days of note date. W-9 documentation received is from REDACTED. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Self-employed borrowers require a business license.REDACTED no CPA letter was locate din the file during review as required. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br> Ready for Review-Document Uploaded. Post Closer Cert regarding both REDACTED - name change and both are active - Seller-REDACTED<br> Ready for Review-Understood / thank you for the confirmation - working on this now and will send asap - Seller-REDACTED <br> Ready for Review-Document Uploaded. Per the UW: We did not need a REDACTED REDACTED which is acceptable. <br>Also see attached updated certificate of good standing........ is this what you are needing for the REDACTED REDACTED condition? We were not sure what you meant on this, please advise. - Seller-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Verification of REDACTEDg, REDACTED, business documentation, and explanation of businesses received. Resolved. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 77947450 C A | Closed | FCRE1193 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Income calculation for REDACTED & 1008 received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Counter-1008 received with no calculations. UW income calc worksheet for tax return rental income verification needed. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. SCH E rental income REDACTED - attached - Seller-REDACTED <br> Counter-REDACTED tax returns received. Updated 1008 received. UW income calc worksheet for tax return rental income verification needed. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. tax returns were sent along with the updated docs / see attached - Seller-REDACTED<br> Counter-Updated 1008 received indicating rental income on another property included, but REDACTED tax returns per UW comments are not in file. REDACTED tax returns and UW income calc worksheet for tax return rental income verification needed. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-The original DTI was calculated at REDACTED vs. REDACTED. The difference is lender included rental income for subject primary reflected on 1008 page 1/387 and 1003 page 39/387 forREDACTED, however, rental income is not allowed to be included on the primary residence subject property per FNMA guidelines. The REDACTED is required to be included per investor guidelines - per docs in file, payment is REDACTED for first year, increasing by REDACTED each subsequent year. REDACTED is dated REDACTED. The REDACTED was not included in lender calculation. An LOE for REDACTED payment page 144/387 was provided from someone other than the borrower. To exclude REDACTED, 12 months of history of payment via bank statements or cancelled checks with no delinquent payments REDACTEDis required. The lease cannot be excluded as less than REDACTED months remaining per FNMA guidelines. \*\*\*REDACTED.\*\*\* - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br> Ready for Review-Document Uploaded. REDACTED REDACTED - attached - Seller-REDACTED<br> Ready for Review-Document Uploaded. tax returns were sent along with the updated docs / see attached - Seller-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Income calculation for REDACTED& 1008 received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 77947450 C A | Closed | finding-3652 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved- - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. REDACTED added - Seller-REDACTED<br> Resolved-PCCD received, cured - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<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 (REDACTED) does not exceed or equal the comparable sum of specific and non-specific lender credits (REDACTED). 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). A LENDER CREDIT WAS DISCLOSED IN THE AMOUNT OF REDACTED. THE LENDER CREDIT DECREASED TO REDACTED ON THE FINAL CD. NO COC OF REIMBURSEMNET WAS LOCATED IN THE FILE. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. copy of check to borr added - Seller-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-PCCD received, cured - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 77947450 C A | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Verification of payment received - Due Diligence Vendor-0REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-Property Title Issue Title page 275/387 requires the payment of the real estate taxes now due, or soon to be due, for the year of REDACTED in the amount of REDACTED, plus penalties and interest, if any. However, the Final CD page 36/256 does not reflect taxes paid at closing. Proof of payment prior to closing is required. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Verification of payment received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 74855473 D A | Closed | FCRE5782 | REDACTED | REDACTED | 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-REDACTED<br> Resolved-Received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-Borrower 1 Gap Credit Report is Missing CREDIT REPORT IS DATED REDACTED AND NOTE DATE IS REDACTED GAP REPORT IS REQUIRED - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED<br> Resolved-Received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 70084941 D A C | Closed | finding-3652 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-COC received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Hi,<br> Please see attached COC.<br> Thanks again!! - Buyer-REDACTED<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 (REDACTED) does not exceed or equal the comparable sum of specific and non-specific lender credits (REDACTED). 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). A lender credit was disclosed in the amount of REDACTED on the initial Loan Estimate. The Lender Credit decreased to REDACTED on the final Closing Disclosure. No COC or Reimbursement was located in the file. COC or PCCD showing reimbursement to the borrower is required. - Due Diligence Vendor-REDACTED |  | Resolved-COC received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 70084941 D A C | Closed | finding-3631 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-COC received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Hi,<br> Please see attached COC.<br> Thanks again!! - Buyer-REDACTED <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. A lender credit was disclosed in the amount of REDACTED on the initial Loan Estimate. The Lender Credit decreased to REDACTED on the final Closing Disclosure. No COC or Reimbursement was located in the file. COC or PCCD showing reimbursement to the borrower is required. - Due Diligence Vendor-REDACTED |  | Resolved-COC received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 70084941 D A C | Closed | FCRE5782 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> Please see attached soft pull report dated REDACTED<br> Thanks! - Buyer-REDACTED<br> Open-Borrower 1 Gap Credit Report is Missing CREDIT REPORT IS REDACTED. CREDIT REPORT IS DATED REDACTED AND NOTE DATE IS REDACTED. CREDIT REFRESH IS REQUIRED. - Due Diligence Vendor-REDACTED |  | Resolved-Borrower 1 Gap Credit Report received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 78154025 D B A | Closed | FCRE7497 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Notes received for all properties. PITIA verified. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Counter-Explanation emailed to lender. The REDACTED properties in question show active loans in origination on the final 1003 - REDACTED Due Diligence Vendor-REDACTED<br> Ready for Review-Per your requests on REDACTED you requested for either Notes "OR" an updated 1003. I have already sent you ALL the notes. Can you please clear this? - Seller-REDACTED<br> Counter- - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Counter-The final 1003 on page 58 shows REDACTED is currently financing these properties and has account numbers for each property. Please provide the adverse action form where borrower application is cancelled or the final CD/note. etc. from the finaincing with REDACTED - this is for all REDACTED properties. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Counter- - Due Diligence Vendor-REDACTED <br> Ready for Review-DISREGARD -- I found the email sorry - Seller-REDACTED<br> Ready for Review-I still haven't received an email from you. Could you please let me know what else you need to REDACTED <br> Thank you - Seller-REDACTED<br> Counter-TPR responded in email - - Due Diligence Vendor-REDACTED<br> Ready for Review-Question: <br> If we have already provided all the REDACTED, is it necessary for REDACTED? <br> Just wanted to check in with you first and see if you would accept before reaching out to the borrower / LO again as this borrower is getting very upset asking for more. <br> Will you please accept what was sent? <br> - Seller-REDACTED<br> Counter-Taxes & Insurance received. Final CD or note to verify P&I needed. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Missing supporting documentations to verify monthly payments of the properties listed below being processed concurrently by REDACTED with current loan being reviewed per final 1003:<br> REDACTED - Due Diligence Vendor-REDACTED | REDACTED notes from REDACTED5 received for REDACTED - (received, listed on 1003) REDACTED<br>\*\*\*\*\*\*\*\*\*\*\*\*\*\*The following new notes or adverse action notices for these properties that are in process are still needed per final 1003: REDACTED. - REDACTED<br>Ready for Review-Document Uploaded. - Seller-REDACTED <br> Ready for Review-Per your requests on REDACTED you requested for either NotesREDACTED. I have already sent you ALL the notes. Can you please clear this? - Seller-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Ready for Review-Document Uploaded. - Seller-0REDACTED<br> Ready for Review-DISREGARD -- I found the email sorry - REDACTED<br> Ready for Review-I still haven't received an email from you. Could you please let me know what else you need to REDACTED<br> Thank you - Seller-REDACTED<br> Ready for Review-Question: <br> If we have already provided all REDACTED, is it necessary for REDACTED? <br> Just wanted to check in with you first and see if you would accept before reaching out to the borrower / LO again as this borrower is getting very upset asking for more. <br> Will you please accept what was sent? <br> - Seller-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Notes received for all properties. PITIA verified. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 78154025 D B A | Closed | FCRE1335 | REDACTED | REDACTED | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Acknowledged-Transcripts received - ordered/received after closing/disbursement date. Acknowledged. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Disregard that last one - see attached IRS transcripts - Seller-REDACTED<br> Ready for Review-Document Uploaded. IRS report / explanation - Seller-REDACTED<br> Counter-1040 transcripts please - Due Diligence Vendor-REDACTED<br> Ready for Review-Can you please confirm: Do we need 1099 or 1040 transcripts? - Seller-REDACTED<br> Open-Borrower 1 IRS Transcripts Missing - Missing Tax transcripts required for self employed borrowers by Guidelines. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Disregard that last one - see attached IRS transcripts - Seller-REDACTED<br> Ready for Review-Document Uploaded. IRS report / explanation - Seller-REDACTED<br> Ready for Review-Can you please confirm: Do we need 1099 or 1040 transcripts? - Seller-REDACTED | Acknowledged-Transcripts received - ordered/received after closing/disbursement date. Acknowledged. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | Originator Post-Close | No |
| REDACTED |  | 73399622 D B A | Closed | FCRE7497 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Notes received for all properties. PITIA verified. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-0REDACTED <br> Counter-Explanation emailed to lender. The three properties in question show active loans in origination on the final REDACTED. - Due Diligence Vendor-REDACTED<br> Ready for Review-Per your requests on REDACTED you requested for REDACTED. I have already sent you ALL the notes. Can you please clear this? - Seller-REDACTED <br> Counter-REDACTED notes from REDACTED received for REDACTED - REDACTED.<br>\*\*\*\*\*\*\*\*\*\*\*\*\*\*The following new notes or adverse action notices for these properties that are in process are still needed per final 1003: REDACTED. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Counter-The final 1003 on page 58 shows REDACTED is currently financing these properties and has account numbers for each property. Please provide the adverse action form where borrower application is cancelled or the final CD/note. etc. from the finaincing with REDACTED - this is for all REDACTED properties. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Counter-We don't have the mtg stmts in file for these properties to verify the P&I. If you have the mortgage statments, that is what we need. We have the Taxes & Insurance amounts provided. Properties - REDACTED. - Due Diligence Vendor-REDACTED<br> Ready for Review-Will you please consider using the PITIA info already provided before I reach out to upset borrower. The mtg stmt / HOI and tax shows the amts. - Seller-REDACTED<br> Counter-Taxes & Ins received, final CD or note needed for each property to verify P&I - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-Missing supporting documentations to verify monthly payments of the properties listed below being processed concurrently by Ameritrust with current loan being reviewed per final 1003:<br> REDACTED - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED <br> Ready for Review-Per your requests on REDACTED you requested for either Notes REDACTED. I have already sent you ALL the notes. Can you please clear this? - Seller-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Ready for Review-Will you please consider using the PITIA info already provided before I reach out to upset borrower. The mtg stmt / HOI and tax shows the amts. - Seller-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Notes received for all properties. PITIA verified. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 73399622 D B A | Closed | FCRE1168 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s) and Replacement Cost Value Provided | Resolved-Hazard Insurance Coverage Amount of REDACTED is equal to or greater than all Subject Lien(s) and/or Replacement Cost Estimator is provided and Hazard Insurance Coverage Amount is equal to or greater than Replacement Cost Value of REDACTED - Due Diligence Vendor-REDACTED<br> Resolved-RCE received, coverage with extended cost adequate. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. RCE and explanation - Seller-REDACTED<br> Counter-The updated document did not upload. Will you please resend? - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Counter-A replacement cost estimate from the insurance provider or coverage A totaling more than the total of all liens is required. The appraisal replacement cost can't be used for insurance coverage verification. Dwelling coverage of REDACTED is less than required coverage amount of REDACTED - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Can you please review again & advise: <br> Per Proc / Closer - We based the insurance off the appraisal new cost. REDACTED - Seller-REDACTED<br> Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage Amount of REDACTED is less than all Subject Lien(s) and/or Replacement Cost Estimator is provided but Hazard Insurance Coverage Amount is less than Replacement Cost Value of REDACTED - Dwelling coverage of REDACTED is less than required coverage amount of REDACTED - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. RCE and explanation - Seller-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Ready for Review-Document Uploaded. Can you please review again & advise: <br> Per Proc / Closer - We based the insurance off the appraisal new cost. REDACTED EXP REDACTED COVERAGE AMT REDACTED ; COST NEW ON APPRL REDACTED - Seller-REDACTED | Resolved-Hazard Insurance Coverage Amount of REDACTED is equal to or greater than all Subject Lien(s) and/or Replacement Cost Estimator is provided and Hazard Insurance Coverage Amount is equal to or greater than Replacement Cost Value of REDACTED - Due Diligence Vendor-REDACTED <br> Resolved-RCE received, coverage with extended cost adequate. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 73399622 D B A | Closed | FCRE1335 | REDACTED | REDACTED | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Acknowledged-Transcripts received, dated/ordered after note/disbursement date - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-Borrower 1 IRS Transcripts Missing - Missing Tax transcripts required for self employed borrowers by Guidelines. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Acknowledged-Transcripts received, dated/ordered after note/disbursement date - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | Originator Post-Close | No |
| REDACTED |  | 73399622 D B A | Closed | FCRE5047 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Amount of title insurance is less than mortgage amount | Resolved-Title received - resolved - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Counter-Supplemet letter shows loan amount. Documentation verifying lenders insurance coverage amount is needed. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Title supp reflecting REDACTED - Seller-REDACTED<br> Open-Title Ins Sch A, pg. 550/915 shows title coverage as REDACTED. Title ins coverage must be equal to or greater than loan amount. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br> Ready for Review-Document Uploaded. Title supp reflecting REDACTED - Seller-REDACTED | Resolved-Title received - resolved - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 71593627 D B A | Closed | FCRE3978 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Resolved-LOE received. Solar on primary. Included payment in DTI. Resolved. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-file is missing letter of explanation for cash out. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-LOE received. Solar on primary. Included payment in DTI. Resolved. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 71593627 D B A | Closed | FCRE3653 | REDACTED | REDACTED | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc | Missing letter of explanation | Acknowledged-Received cash out LOE as required per guidelines dated after note/disbursement date. Acknowleged. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-REDACTEDaccount on credit report is listed as a mortgage/secured home improvement loan, but payment amount of REDACTED does not appear to be included in total debt. Explanation and verification of which property this account is tied to is required. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Acknowledged-Received cash out LOE as required per guidelines dated after note/disbursement date. Acknowleged. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | Originator Post-Close | No |
| REDACTED |  | 71593627 D B A | Closed | FCRE1146 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Partially Present | Resolved-Title Document is fully Present - Due Diligence Vendor-REDACTED<br> Resolved-Lenders Coverage Insurance amount on title received equal to loan amount - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-Title Document is incomplete or only partially present Preliminary report lists loan amount as REDACTED Updated title report required showing correct loan and coverage amount is required. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Title Document is fully Present - Due Diligence Vendor-REDACTED<br> Resolved-Lenders Coverage Insurance amount on title received equal to loan amount - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 71267195 D A | Closed | FCRE5116 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-REDACTED<br> Resolved-Housing history payment verification received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-Primary residence VOR needed for prior 12 months payment history. B1 only in new primary residence 1 month. 1003 shows rental for primary residence prior 2 years. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-REDACTED<br> Resolved-Housing history payment verification received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 71267195 D A | Closed | FCRE1193 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of % is less than or equal to Guideline DTI of % - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Counter-Updated signed 1003 & LOE needed - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Counter-The final 1003 from closing indicates REDACTED month income. Income cannot be increased above client attestation via 1003. - Due Diligence Vendor-REDACTED<br> Counter-The final 1003 from closing indicates REDACTEDmonth income. Income cannot be increased above client attestation via 1003. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Counter-Lender provided a revised 1008 & income worksheet increasing monthly income from REDACTED to REDACTED. There is no explanation in file as to why this was increased and certain deposits that were excluded originally are no longer excluded. The final 1003 from closing indicatesREDACTED. Income cannot be increased above client attestation via 1003. REDACTEDbank statement still not received. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open- Lender did not include primary residence REDACTED in DTI. This caused DTI variance - lender's DTI 44.812% vs REDACTED page 122 - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Audited DTI of % is less than or equal to Guideline DTI of % - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 71267195 D A | Closed | FCRE8611 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Documentation received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Counter-Counter - updated signed 1003 & LOE needed - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Counter-The final 1003 from closing indicates REDACTED. Income cannot be increased above client attestation via 1003. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Counter-Lender provided a revised 1008 & income worksheet increasing monthly income from REDACTED month to REDACTED. There is no explanation in file as to why this was increased and certain deposits that were excluded originally are no longer excluded. The final 1003 from closing indicates REDACTED. Income cannot be increased above client attestation via 1003. REDACTED bank statement still not received. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-- Lender qualified borrower using 12 months bank statement from REDACTED, however, the loan file is missing REDACTED bank statement to verify deposits page 137 - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Documentation received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 76869799 D A B | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Confirmation received. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Attached is REDACTED confirmation from title confirming neither of those will appear on the final title policy. The final title policy is not ready yet. - Seller-REDACTED<br> Counter-Quit claim deed verifying ownership received. Verification from title company as a supplement or final title policy is needed to document that the other two mortgages on title #1 & #3 page 218 have been removed and are not on final policy. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Title confirmed the #1 & #3 are not on the final title policy - Seller-REDACTED<br> Open-1. Final title & new recorded deed confirming the ownership was transferred from the REDACTED to REDACTED<br> 2. Final title confirming REDACTED on title #1 & #3 page 218 have been removed and are not on final policy. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Attached is REDACTED confirmation from title confirming neither of those will appear on the final title policy. The final title policy is not ready yet. - Seller-REDACTED<br> Ready for Review-Document Uploaded. Title confirmed the #1 & #3 are not on the final title policy - Seller-REDACTED | Resolved-Confirmation received. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 76869799 D A B | Closed | FCRE1964 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved-Documentation received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-Missing CPA letter or business licenses on al lREDACTEDused for income of business status for the past REDACTED years, ownerhsip. and that businesses are still active, - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Documentation received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 76869799 D A B | Closed | FCRE8611 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Business documents received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-Operating Agreements, business docs for REDACTED, REDACTED, REDACTED - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Business documents received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 76869799 D A B | Closed | FCRE5116 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-First mtg statement received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-First mortgage statement on subject property dated within 60 days of note date required - not in file. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-First mtg statement received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 76869799 D A B | Closed | FCOM3075 | REDACTED | REDACTED | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing US Patriot Act Disclosure or ID | Resolved-Received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Title policy reflects REDACTED is required for REDACTED, however, loan file is missing the documents. page 217 - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 72789753 D A | Closed | FCRE3653 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-Document Uploaded. - Due Diligence Vendor-REDACTED<br> Resolved-. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-LOE for purpose of cash out is missing. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Document Uploaded. - Due Diligence Vendor-REDACTED <br> Resolved-. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 72789753 D A | Closed | FCRE1193 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Counter-Application date guidelines allow REDACTED months for asset depletion & quarterly assets as submitted. Asset is REDACTED. DTI over REDACTED<br> - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. LOX from UW re: Income & DTI Please see attached - Seller-REDACTED<br> Open-Lender averaged asset depletion for REDACTED. DTI is now REDACTED. Loan does not qualify. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br> Ready for Review-Document Uploaded. LOX from UW re: Income & DTI Please see attached - Seller-REDACTED | Resolved-. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 72789753 D A | Closed | FCRE1316 | REDACTED | REDACTED | 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-REDACTED<br> Resolved-Received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. FVOE REDACTED Attached - Seller-REDACTED <br> Open-REDACTED 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. FVOE REDACTED Attached - Seller-REDACTED | Resolved-REDACTED 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-REDACTED<br> Resolved-Received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 72789753 D A | Closed | FCRE8946 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Income/Employment | Income documentation expiration dates | Resolved-Resolved - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - REDACTED<br> Open-Paystubs are more than 60 days from note date<br>- Due Diligence Vendor-REDACTED<br> Open-1. Paystubs are more than 60 days from note date<br> 2. Asset depletion - no current verification of deposits in each account within 60 days of note date. Asset accounts are quarterly statements, however, verification of the current balance is required within 60 dates of note date.<br> 3. Rental income verification - loan must be coded as 1 year full doc. REDACTED. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Resolved - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 72789753 D A | Closed | FCOM5991 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Other Required mortgage rider | Resolved-Received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Business loan rider attached - Seller-REDACTED<br> Open-THE DEED LISTS A BUSINESS LOAN RIDER. THE BUSINESS LOAN RIDER WAS NOT LOCATED IN THE FILE. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Business loan rider attached - Seller-REDACTED | Resolved-Received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 72789753 D A | Closed | FCOM1208 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | The Note is Incomplete | Resolved-Note received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Note both pages attached - Seller-REDACTED<br> Open-The Note is Incomplete Note provided on page 100 is only 1 pg and note consists of 2 pages. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Note both pages attached - Seller-REDACTED | Resolved-Note received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 79945174 D A | Closed | FCRE8944 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Eligibility | Credit History - Derogatory Accounts Without Sufficient Explanation | Resolved-Docs received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. please see all 3 docs attached that were provided in original delivery LOE for dispute and statement showing no balance - Seller-REDACTED<br> Open-REDACTED - SHOWS CURRENTLY PAST DUE ON CREDIT REPORT, WHICH WOULD MAKE THE BORROWER INELIGBLE. THE LETTER OF EXPLANATION FOR PAST DUE ACCOUNT WITH REDACTED WAS PROVIDED-SEE PG 637. DOCUMENTATION SHOWING PAST DUE WAS REMOVED/RESOLVED PRIOR TO CLOSING IS MISSING FROM LOAN FILE. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. please see all 3 docs attached that were provided in original delivery LOE for dispute and statement showing no balance - Seller-REDACTED | Resolved-Docs received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 79945174 D A | Closed | FCRE1252 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Title Document is Provided And Complete - Due Diligence Vendor-REDACTED<br> Resolved-FTP received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. FTP attached - Seller-REDACTED<br> Open-Title Document is Incomplete Lender's coverage is missing from preliminary title commitment - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. FTP attached - Seller-REDACTED | Resolved-Title Document is Provided And Complete - Due Diligence Vendor-REDACTED<br> Resolved-FTP received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 79945174 D A | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - Due Diligence Vendor-REDACTED<br> Resolved-Resolved - Items REDACTED were paid on final CD - pg 440 at closing - Due Diligence Vendor-REDACTED<br> Open-Verification REDACTED were paid prior to closing required. - Due Diligence Vendor-REDACTED |  | Resolved-Property Title Issue Resolved - Due Diligence Vendor-REDACTED<br> Resolved-Resolved - Items REDACTED were paid on final CD - pg 440 at closing - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 77836739 D A C | Closed | FCRE5116 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-First mortgage statement within 60 days of note date required. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 77836739 D A C | Closed | FVAL9739 | REDACTED | REDACTED | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-Revised appraisal showing owner occupied received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open--APPRAISAL PAGE 311 "VACANT" BOX IS CHECKED. APPRAISAL TO BE AMENDED TO REFLECT OWNER OCCUPIED. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Revised appraisal showing owner occupied received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 78576274 D A | Closed | FCRE1328 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 W2/1099 Missing | Resolved-Exception not needed REDACTED. Agreed to accept transcripts that match year end paystubs. Resolved. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Counter-REDACTED - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Due Diligence Vendor-REDACTED<br> Open-Borrower 1 W2/1099 Missing Year end paystubs cannot be accepted in place of W2s. REDACTED W2s are required. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Exception not needed per REDACTED. Agreed to accept transcripts that match year end paystubs. Resolved. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 78576274 D A | Closed | FCRE1330 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Paystubs Missing | Resolved-Borrower 1 Paystubs Provided - Due Diligence Vendor-REDACTED <br> Resolved-Received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-Borrower 1 Paystubs Missing Current paystub verifying 30 days warning (YTD) within 60 days of note date is required. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Borrower 1 Paystubs Provided - Due Diligence Vendor-REDACTED<br> Resolved-Received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 78576274 D A | Closed | FCRE2109 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Missing lender income worksheet for REDACTED income - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 78576274 D A | Closed | FCRE1964 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved-REDACTED received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-REDACTED. Award letter & proof of continuance for 3 years are required. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-REDACTED & continuance received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 78387431 B A | Closed | FCOM8804 | REDACTED | REDACTED | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Loan program disclosure | Resolved-Disbusement statement received verifies the proceeds from this loan were used for the purchase of the property. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-Final settlement statement from closing attorney is needed to verify cash to borrower on CD was actually applied to the purchase of the property per the contract sales price of REDACTED. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Disbusement statement received verifies the proceeds from this loan were used for the purchase of the property. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Purchase | NA | N/A | N/A |
| REDACTED |  | 71851655 C A | Closed | finding-1954 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | State Reg | TN Brokerage/Finder Fee Test | Resolved- - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Hi,<br> Please see the attached LOE from the seller.<br> Thanks! - Buyer-REDACTED<br> Open-This loan failed the brokerage/finder fee test. (REDACTED)The mortgage loan charges a brokerage/finder fee that exceeds 2% of the total loan amount. Under the REDACTED Rules and Regulations, brokerage fee is synonymous with finder fee.Any brokerage/finder fee of more than 2% of the principal amount of the loan will be presumed to be unfair and unreasonable and shall be grounds to revoke the license or registration of such licensee or registrant, unless such licensee or registrant can provide evidence showing that such fee constitutes fair and reasonable compensation. \*\*also failed on lender REDACTED - page 154 - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 71314523 D A | Closed | FCRE5809 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing evidence of self employment | Resolved-Verification of ownership received. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Please see attached docs. Others are retired. - Seller-REDACTED<br> Open-Per LOE from borrower in file, business ownership percentage has been corrected, but documentation in file shows 2 additional business owners (pg 171 and 176) . Verification of business ownership % for b1 and b2 is required. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Please see attached docs. Others are retired. - Seller-REDACTED | Resolved-Verification of ownership received. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 71314523 D A | Closed | FCRE5116 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Updated Mortgage Statement received. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Mortgage statement attached. Supps provided in original package and attached show current - Seller-REDACTED<br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. 1st Lien Mortgage Statement dated within 60 days of note date is required. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Mortgage statement attached. Supps provided in original package and attached show current - Seller-REDACTED | Resolved-Updated Mortgage Statement received. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 71314523 D A | Closed | FCRE1152 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. tax cert delivered in original package showed due REDACTED > pulled from county website showing paid and 0 due - Seller-REDACTED<br> Open-Title report (pg 350, 358) indicates 2nd half of REDACTED taxes are delinquent and due. Evidence of payment in full (tax due + interest) is required. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. tax cert delivered in original package showed due REDACTED > pulled from county website showing paid and REDACTED due - Seller-REDACTED | Resolved-Received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 71209166 D A | Closed | FCRE4963 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Debt | No evidence of required debt payoff | Resolved-Received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-- Missing supporting documentation to verify debt paid off to REDACTED per Final CD page 14 - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 71209166 D A | Closed | FCRE2109 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. Please see UW Comments - Seller-REDACTED <br>Open- - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Please see UW Comments - Seller-REDACTED<br>| Resolved-Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 71209166 D A | Closed | FCOM5135 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 71754637 C B A | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved- - Due Diligence Vendor-REDACTED <br> Ready for Review-See section REDACTED. Pay off to REDACTED. That is the 2nd that was paid off, payoff in file. - Buyer-REDACTED <br> Open-Title shows an open lien with REDACTED- pg 154 - in addition to the first mortgage. Updated title with REDACTED removed required. REDACTEDis not shown as a payoff on the final CD. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 71754637 C B A | Closed | FCRE6763 | REDACTED | REDACTED | Waived | 2 - Non-Material B | Credit | Income/Employment | Income documentation does not meet guidelines | Waived-Exception received to allow use of lower market rental income of REDACTED per month on REO with new lease of REDACTED beginning REDACTED - Due Diligence Vendor-REDACTED |  | Waived-Exception received to allow use of lower market rental income of REDACTED per month on REO with new lease of REDACTED beginning REDACTED - Due Diligence Vendor-REDACTED |  | LTV is REDACTED, REDACTED months mortgage history with no late payments, Reserves not required for program, however borrower has REDACTED in reserves that are their own funds | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes |
| REDACTED |  | 71754637 C B A | Closed | FVAL5524 | REDACTED | REDACTED | Waived | 2 - Non-Material B | Property | Property | Ineligible Property | Waived-Exception to allow REDACTED in deferred maintenance vs. max REDACTED. Primary bath is undergoing remodeling. - Due Diligence Vendor-REDACTED |  | Waived-Exception to allow REDACTED in deferred maintenance vs. max REDACTED. Primary bath is undergoing remodeling. - Due Diligence Vendor-REDACTED |  | LTV is REDACTED, REDACTED months mortgage history with no late payments, Reserves not required for program, however borrower has REDACTED in reserves that are their own funds | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes |
| REDACTED |  | 75133929 D A C | Closed | FCRE1148 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Verification from title company that items are related to association, not subject property received. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Counter-Updated title coverage amount received. Still needed - verification that title schedule B requirements 18, 41, & 42 are removed from final title. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Corrected title commitment - Seller-REDACTED <br> Open-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien(s) 1. Title insurance coverage to be increased to cover loan amount. <br> 2. Verification that title schedule B requirements 18, 41, & 42 are removed from final title. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED <br>Ready for Review-Document Uploaded. Corrected title commitment - Seller-REDACTED<br>| Resolved-Verification from title company that items are related to association, not subject property received. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 75133929 D A C | Closed | FCRE1964 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved-Housing/Parsonage verified. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. The W2s show REDACTED under REDACTED Other Section. - Seller-REDACTED <br> Counter-REDACTED received showing parsonage income. A WVOE or letter from the REDACTED showing the REDACTED and indicating continuance is likely for the next 3 years is required. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Counter-VOI covers base. REDACTED is not included. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Written VOE attached shows income from REDACTED for REDACTED, REDACTED, & REDACTED. this was uploaded with package. - Seller-REDACTED <br> Open-Verification that the REDACTED has been received for 12 months is missing. Verification that the REDACTED is likley to continue for 3 years is missing. REDACTED is only documented on the paystubs in file at this time. (pg 177) FNMA Guideline Requirement - REDACTED- Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. The W2s show REDACTED Other Section. - Seller-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Ready for Review-Document Uploaded. Written VOE attached shows income from REDACTED for REDACTED, REDACTED, & REDACTED. this was uploaded with package. - Seller-REDACTED | Resolved-REDACTED. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 75133929 D A C | Closed | finding-3631 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. COC was in package that was uploaded - Seller-REDACTED <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. NO POINTS WERE DISCLOSED ON THE INITIAL LE. POINTS WERE DISCLOSED IN THE AMOUNT OF REDACTED ON THE FINAL CD. TRANSFER TAXES WERE DISCLOSED AS REDACTED ON THE INITIAL LE. TRANSFER TAXES INCREASED TO REDACTED ON THE FINAL CD. NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. COC was in package that was uploaded - Seller-REDACTED<br>| Resolved-Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 75133929 D A C | Closed | finding-3634 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. COC was in package uploaded. - Seller-REDACTED <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 REDACTED.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). NO POINTS WERE DISCLOSED ON THE INITIAL LE. POINTS WERE DISCLOSED IN THE AMOUNT OF REDACTED ON THE FINAL CD. TRANSFER TAXES WERE DISCLOSED AS REDACTED ON THE INITIAL LE. TRANSFER TAXES INCREASED TOREDACTED ON THE FINAL CD. NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. COC was in package uploaded. - Seller-REDACTED<br>| Resolved-Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 77512409 D A C | Closed | FCOM1206 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | The Note is Missing | Resolved-The Note is Present - Due Diligence Vendor-REDACTED <br>Resolved-Received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. Note was included in the package - Seller-REDACTED <br>Open-The Note is Missing NOTE is missing from file - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Note was included in the package - Seller-REDACTED<br>| Resolved-The Note is Present - Due Diligence Vendor-REDACTED <br>Resolved-Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 77512409 D A C | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Proof of closure received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. REDACTED is the servicer for REDACTED. Attached is the REDACTED showing REDACTED as servicer. - Seller-REDACTED <br> Open-Verification that the lien with REDACTED is removed from final title - Release or Satisfaction of Mortgage executed by REDACTED, recorded REDACTED | Ready for Review-Document Uploaded. REDACTED is the servicer for REDACTED. Attached is the REDACTED showing REDACTED as servicer. - Seller-REDACTED | Resolved-Proof of closure received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 79495751 D B A | Closed | FCRE5116 | REDACTED | REDACTED | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc | Missing VOM or VOR | Acknowledged-Exception approval received to allow first mortgage statement which was REDACTED days from the note date vs. program requirement of within 60 days of note date. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> We granted an exception for this since its just slightly over. <br> Thanks! - Buyer-REDACTED <br> Open-1st Mortgage Statement (pg 423) is dated more than 60 days prior to the note date. Updated statement within 60 days of note date is required. - Due Diligence Vendor-REDACTED |  | Acknowledged-Exception approval received to allow first mortgage statement which was REDACTED days from the note date vs. program requirement of within 60 days of note date. - Due Diligence Vendor-REDACTED |  | LTV REDACTED under program max, FICO REDACTED points over program minimum, REDACTED on current mortgage | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes |
| REDACTED |  | 79495751 D B A | Closed | FCRE1152 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Verification received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> Please see attached proof of taxes paid.<br> Thanks! - Buyer-REDACTED <br> Open-Tax statement (pg 425) indicates REDACTED taxes due date of REDACTED in the amount of REDACTED. Verification of payment is required. - Due Diligence Vendor-REDACTED |  | Resolved-Verification received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 72883631 A |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |
| REDACTED |  | 76133763 A |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other |  |  |
| REDACTED |  | 76722508 D B A | Closed | FCRE1328 | REDACTED | REDACTED | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc | Borrower 1 W2/1099 Missing | Acknowledged-Exception received to allow transcripts only to be used vs. transcripts and W2s per guidelines. - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. exception uploaded - Buyer-REDACTED <br>Counter-Guidelines specifically state both documents are required in Section 8.4.1. Please advise if you would like this acknowleged and down graded. - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. Hi,<br> Please see attached LOE from our underwriting manager.<br> Thanks! - Buyer-REDACTED <br>Counter-W2s - Guidelines require W2s for most recent 1 or 2 years, current paystubs reflecting 30 days earnings, and W2 transcripts. Per guidelines trancripts cannot be used in place of W2s without an exception. Exception form needed.<br>Paystub - received in initial review, Transcripts - received in initial review. - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. Hi,<br> We are using tax transcripts in lieu of actual W-2's. The current paystub was also provided. Please see attached.<br> Thanks! - Buyer-REDACTED <br>Open-Borrower 1 W2/1099 Missing 2 years W2s missing. WVOE/Equifax in file is older than 60 days from note date and cannot be used. - Due Diligence Vendor-REDACTED |  | Acknowledged-Exception received to allow transcripts only to be used vs. transcripts and W2s per guidelines. - Due Diligence Vendor-REDACTED<br>|  | LTV REDACTED under program max, Credit & mortgage history - REDACTED, DTI REDACTED under program max. | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | Originator Post-Close | Yes |
| REDACTED |  | 76797958 D A | Closed | FCRE5116 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-All documentation received - Resolved. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> Please see attached. <br> 1. We are using the gap report balance of REDACTED. This balance includes the deferred amount. Please see the attached mortgage statement, as it reflects the deferred amount.<br> 2. See attached credit supplement to confirm no active forbearance in the last 12 months.<br> 3. See the attached deed from REDACTED. Its old, and was for a transfer<br> 4. Please see the attached modification agreement and deed for modification.<br>Thanks!<br> - Buyer-REDACTED <br> Open-1. First mortgage balance/CLTV is not understood/documented. The credit supplement on page 272 shows the balance as REDACTED. Gap credit report shows the balance as REDACTED. <br> 2. The first mortgage statement with REDACTED shows 24 month payment history, so not actively in forbearance is documented. <br> 3. There are notice of sale/foreclosure documents on title history in section I. It appears these were cancelled, but still appearing on title. Need to understand why these are still present.<br> 4. Is there a LOE from borrower expalining the modification and does the borrower have a copy of the modification agreement? - Due Diligence Vendor-REDACTED |  | Resolved-All documentation received - Resolved. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 79005879 D A C | Closed | FVAL2477 | REDACTED | REDACTED | Resolved | 1 - Information C A | Property | Appraisal | Appraisal incomplete (missing map, layout, pages, etc.) | Resolved-Updated to SFR with ADU per appraisal update and ADU documentation - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Document Uploaded. - Due Diligence Vendor-REDACTED <br>Open-Appraisal update to ADU pending - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Updated to SFR with ADU per appraisal update and ADU documentation - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 79005879 D A C | Closed | FCOM1233 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved- - Due Diligence Vendor-REDACTED <br> Ready for Review-<br> The status is showing as "sold" for this property.<br> please clear condition<br>- Seller-REDACTED <br> Counter-1003 received still shows this property on page 4. 1003 to be updated - borrower sold REDACTED property per property profile report submitted. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-1003 to be updated - borrower sold REDACTED property per property profile report submitted. - Due Diligence Vendor-REDACTED <br> Open-Mortgage information or fully owned designation on 1003 for two additional properties REDACTED is not disclosed. - Due Diligence Vendor-REDACTED | Ready for Review-<br> The status is showing as "sold" for this property.<br> please clear condition<br>- Seller-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED<br>|  |  |  | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 79005879 D A C | Closed | FCRE5116 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-REDACTED- VOM in file, spouse is borrower. This borrower is not obligated per the VOM. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. I have received the VOM that shows that the mortgage attached to REDACTED place is not against the borrower. REDACTED is listed on the URLA. But no mortgage since not attached to this borrower.<br>- Seller-REDACTED <br> Counter-1003 to be updated - REDACTED REDACTED property per property profile report submitted. VOM/ownership information on REDACTED still needed. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-VOM or verification of full ownership if no mortgage for two additional properties is not in file - two additional properties (REDACTED) - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. I have received the VOM that shows that the mortgage attached to REDACTED is not against the borrower.REDACTED is listed on the URLA. But no mortgage since not attached to this borrower.<br>- Seller-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-REDACTED - VOM in file, spouse is borrower. This borrower is not obligated per the VOM. - Due Diligence Vendor-REDACTED |  |  | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 79005879 D A C | Closed | FCOM3571 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | Closing | HUD-1 not executed properly | Resolved-Received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-- Missing settlement date and disbursement date on settlement statement pg 447 - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 79005879 D A C | Closed | FCRE1148 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien(s) - Due Diligence Vendor-REDACTED <br> Resolved-Received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien(s) Title policy does not reflect coverage amount p456 - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien(s) - Due Diligence Vendor-REDACTED <br> Resolved-Received - Due Diligence Vendor-REDACTED |  |  | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 79005879 D A C | Closed | FCOM1477 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Evidence of Rate Lock Missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 73904119 A |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other |  |  |
| REDACTED |  | 74496274 D B A | Closed | FCRE1118 | REDACTED | REDACTED | Acknowledged | 2 - Non-Material C B | Credit | Closing | Borrower 1 Deed of Trust Signature does not match Note | Acknowledged-Document Uploaded. - Due Diligence Vendor-REDACTED <br> Acknowledged-Exception to allow primary residence to close in a LLC received. Personal Guaranty received. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Personal Guaranty and REDACTED exception uploaded - Seller-REDACTED <br> Counter-Application date is REDACTED, using REDACTED guidelines based on application date. Pg 13, section 3.4 Title Vesting & Ownership - only investment properties may be vested to a business entity. This is a primary residence. - Due Diligence Vendor-REDACTED <br> Ready for Review-3.4 Title Vesting and Ownership <br> Ownership must be fee simple or leasehold<br> Acceptable forms of vesting are:<br> • Individuals<br> • Joint tenants<br> • Tenants in Common<br> • Inter Vivos Revocable Trust<br> • Business Entity – Investor properties only. With current vesting in:<br> o Limited Liability Company (LLC)<br> o Limited and General Partnerships <br> o Corporations - Buyer-REDACTED <br> Open-Property is a primary residence vested to a LLC. Vesting to a LLC is only allowed for investment properties. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Personal Guaranty and REDACTED exception uploaded - Seller-REDACTED<br>| Acknowledged-Document Uploaded. - Due Diligence Vendor-REDACTED <br>Acknowledged-Exception to allow primary residence to close in a LLC received. Personal Guaranty received. - Due Diligence Vendor-REDACTED<br>|  | Excellent mortgage history - REDACTED. FICO REDACTED, REDACTED points over minimum, Self-emp REDACTED years | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | Originator Post-Close | Yes |
| REDACTED |  | 74496274 D B A | Closed | FCOM1287 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved- - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. uploaded. - Buyer-REDACTED <br>Open-Consumer Caution and Home Owner Counseling Notice is Missing - Due Diligence Vendor-REDACTED |  |  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 74496274 D B A | Closed | FCOM1266 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved- - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. uploaded - Seller-REDACTED <br>Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. uploaded - Seller-REDACTED<br>|  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 74496274 D B A | Closed | FCOM5135 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved- - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. disclosure uploaded - Buyer-REDACTED <br>Open-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-REDACTED |  |  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 74496274 D B A | Closed | FCRE1252 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved- - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Title sup uploaded - Seller-REDACTED <br> Open-Title Document is Incomplete LENDER'S COVERAGE IS MISSING FROM PRELIMINARY TITLE COMMITMENT. LENDER'S COVERAGE IS REDACTED. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Title sup uploaded - Seller-REDACTED<br>|  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 74496274 D B A | Closed | FCRE1193 | REDACTED | REDACTED | Acknowledged | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Acknowledged-Exception approval received to allow DTI at REDACTED% vs. max of REDACTED% for I/O senior lien - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Exception for DTI was approved - Buyer-REDACTED <br> Open-1ST MORTGAGE WITH REDACTED IS INTEREST ONLY. MAX DTI IS REDACTED - Due Diligence Vendor-REDACTED |  | Acknowledged-Exception approval received to allow DTI at REDACTED% vs. max of REDACTED% for I/O senior lien - Due Diligence Vendor-REDACTED |  | Excellent mortgage history on all closed mortgages, REDACTED on oldest. FICO REDACTED points over program minimum, self-employed previous REDACTED years | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | Originator Post-Close | Yes |
| REDACTED |  | 74496274 D B A | Closed | FCRE5770 | REDACTED | REDACTED | 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-REDACTED <br>Resolved-Received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Borrower 1 Credit Report is Missing. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-REDACTED <br>Resolved-Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 74496274 D B A | Closed | FCRE5116 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. 1st note uploaded - Buyer-REDACTED <br> Open-REDACTED first mortgage note is needed to verify not a neg am (reporting on credit as REDACTED high credit, but balance of REDACTED). Mtg statement appears to be I/O. REDACTED first mortgage note is also needed to confirm interest only term for DTI qualification. - Due Diligence Vendor-REDACTED |  | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 74496274 D B A | Closed | FCOM1231 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. initial signed 1003 uploaded - Buyer-REDACTED <br>Open-The Initial 1003 is Missing - Due Diligence Vendor-REDACTED |  | Resolved-Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 71427450 A |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |
| REDACTED |  | 77254266 D A | Closed | FCRE1152 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Counter-The signature date on the endorsement is REDACTED. We cannot accept an endorsement signed prior to the policy issue date. Verification the REDACTED taxes are paid is required,. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Please see attached. - Seller-REDACTED <br> Counter-Schedule B- I, #7 states taxes are now a lien due and payable. Verification taxes were paid at or prior to closing and are no longer a lien is required. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Missing Evidence of Property Tax Title Sch B, #6 (pg 86) states 2nd half REDACTED taxes are due and delinquent in the amount of REDACTED. Need verification taxes were brought current prior to or at closing. CD reflects payment to county tax collector of REDACTED. Verification of total tax amount and payment status is required. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED <br>Ready for Review-Document Uploaded. Please see attached. - Seller-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 77254266 D A | Closed | FCRE1964 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved-Docs received. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-P&L income is to be calculated over the most recent 12 months. Lender is using all of REDACTED and YTD REDACTED (REDACTED). An updated REDACTED - REDACTED P&L and lender income calculations on updated 1008 is required. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Docs received. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 77254266 D A | Closed | FCRE2109 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. UWs income calculation is on the 1008 - Seller-REDACTED <br>Open-The lender's income calculation worksheet is required. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. UWs income calculation is on the 1008 - Seller-REDACTED<br>| Resolved-Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 77254266 D A | Closed | FCOM5135 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 74979947 D A | Closed | FCRE3978 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Resolved-Resolved - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. This is a loan on a property/ REO, Final 1003 shows REDACTED is tied to REDACTED<br> See attached payment letter to borrower and property profile for proof. <br> Therefore, DTI remains at REDACTED - Seller-REDACTED <br> Open-Please provide documentation for the REDACTED Installment loan of REDACTED per month. (Is this loan on a property/REO or an installment as reported? This appears to be the difference in lender DTI of REDACTED & TPR DTI of REDACTED. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. This is a loan on a property/ REO, Final 1003 shows REDACTED is tied to REDACTED<br> See attached payment letter to borrower and property profile for proof. <br> Therefore, DTI remains at REDACTED - Seller-REDACTED | Resolved-Resolved - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 74979947 D A | Closed | FCRE5116 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-REDACTED <br> Resolved-VOM received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Please see the VOM that was provided by REDACTED - REDACTED full mortgage history - Seller-REDACTED <br> Open-First mortgage does not report on credit report - a full VOM from the lender is required (payment history only is in file). <br> - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Please see the VOM that was provided by REDACTED - REDACTED full mortgage history - Seller-REDACTED | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-REDACTED <br>Resolved-VOM received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 74979947 D A | Closed | FCRE9000 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Mortgage Statement | Resolved-Modification older than REDACTED months, documentation received. Mtg stmt received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Please see attached Mort Statement dated within REDACTED days and Medication documentation. - Seller-REDACTED <br> Open-Missing first mortgage statement dated within REDACTED days of note date. Verification of the deferred principal balance on first mortgage with REDACTED is required. Date of deferment, modification, documents required. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Please see attached Mort Statement dated within REDACTED days and Medication documentation. - Seller-REDACTED | Resolved-Modification older than REDACTED months, documentation received. Mtg stmt received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 74979947 D A | Closed | finding-47 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Please see attached POST CD, this document was not provided with the closing package. <br> Funding date is REDACTED. This should help clear this condition. - Seller-REDACTED <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-REDACTED | Ready for Review-Document Uploaded. Please see attached POST CD, this document was not provided with the closing package. <br> Funding date is REDACTED. This should help clear this condition. - Seller-REDACTED | Resolved-PCCD received - Due Diligence Vendor-REDACTED<br>|  | THE DATE OF DISBURSEMENT FROM THE FINAL CD WAS REDACTED. THE BORROWER SIGNED CLOSING DOCUMENTATION ON REDACTED. THE BORROWER CHANGED AND INITIALIZED THE DATES OF THE NOTICE OF THE RIGHT TO CANCEL. THE LAST DATE TO CANCEL WAS CHANGED TO REDACTED WHICH IS THE SAME THE DATE OF DISBURSEMENT. | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 74979947 D A | Closed | FCRE1148 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien(s) - Due Diligence Vendor-REDACTED <br> Resolved-FTP received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien(s) <br> Guidelines require a Proposed Amount of Coverage on title. However, no Proposed Amount of Coverage is shown on title pages 159 & 169. The Proposed Amount of Coverage is missing. <br> - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien(s) - Due Diligence Vendor-REDACTED <br> Resolved-FTP received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 74979947 D A | Closed | FCRE1152 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. REDACTED -- Monthly - HOA: REDACTED, Insurance: REDACTED, Taxes: REDACTED. See attached Docs - Seller-REDACTED <br> Open-Taxes for property located at REDACTED are required. However, no tax statement was located in the file during review. The 1003 PITI amount of $REDACTED was used for review along with Note page 105, Insurance page 111 and HOA page 114. Verification of annual property tax amount required. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded.REDACTED -- Monthly - HOA: REDACTED, Insurance: REDACTED, Taxes:REDACTED. See attached Docs - Seller-REDACTED | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 74979947 D A | Closed | FCOM9564 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Right of Rescission | Resolved-Corrected RTC received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-1. B1 Right to Cancel - pg 284 - transaction date was changed to REDACTED, however cancel date also shows REDACTED - corrected RTC required for B1. <br> 2. B2 Right to Cancel - pg 285 - Cancel by date is missing the last digit in the year - corrected RTC required for B2.<br> - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Corrected RTC received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 77088915 D A | Closed | FCRE3653 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-Revised final 1003 and LOE received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-1003 REFLECTS REDACTED HAS OCCUPIED REDACTED FORREDACTED MONTHS. PREVIOUS ADDRESS REDACTED WAS CCUPIED FOR REDACTED SHOWING NO REDACTED. TITLE REFLECTS SUBJECT PROPERTY OWNED SINCE REDACTED AND RECENTLY REFINANCED REDACTED. LETTER OF EXPLANATION and rental/mortgage verification for full 12 months missing FROM FILE. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Revised final 1003 and LOE received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 77088915 D A | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-FTP received with lenders coverage - resolved - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Property Title Issue - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-FTP received with lenders coverage - resolved - Due Diligence Vendor-REDACTED<br>|  | OWNERS COVERAGE IS MISSING FROM PRELIMINARY TITLE | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 77088915 D A | Closed | FCOM5135 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Resolved - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Resolved - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 76690679 D A | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Lenders coverage received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Property Title Issue PRELIMINARY TITLE REFLECTS LOAN AMOUNT OF REDACTED. Lenders Insurance coverage amount needed. (pg 204) - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Lenders coverage received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 76690679 D A | Closed | FCRE1335 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-REDACTED <br> Resolved-Received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Borrower 1 IRS Transcripts Missing full doc loan REDACTED and REDACTED W2 transcripts for REDACTED are missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-REDACTED <br>Resolved-Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 76690679 D A | Closed | FCRE1365 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 IRS Transcripts Missing | Resolved-Borrower 2 IRS Transcripts Provided or Not Applicable (REDACTED) - Due Diligence Vendor-REDACTED <br> Resolved-Received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Borrower 2 IRS Transcripts Missing full doc loan REDACTED and REDACTED W2 transcripts for REDACTED are missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Borrower 2 IRS Transcripts Provided or Not Applicable (REDACTED) - Due Diligence Vendor-REDACTED <br> Resolved-Received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 76690679 D A | Closed | FCRE5116 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. REDACTED is listed on credit. See page 21 of the attached credit report. - Seller-REDACTED <br> Open-First mortgage with Cenlar is not listed on credit. A full VOM is required. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. REDACTED is listed on credit. See page 21 of the attached credit report. - Seller-REDACTED | Resolved-Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 76690679 D A | Closed | FCOM5135 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 73675572 D A | Closed | FCRE5782 | REDACTED | REDACTED | 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-REDACTED <br>Ready for Review-Document Uploaded. Hi,<br> Please see attached soft pull.<br> Thanks! - Buyer-REDACTED <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-REDACTED |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 75507431 D B A | Closed | FCRE5116 | REDACTED | REDACTED | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc | Missing VOM or VOR | Acknowledged-Exception received to allow online verification of mortgage history vs. VOM as required by guidelines. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Counter-Verification of payment received, guidelines require a VOM from the lender since this mortgage is not on the credit report. Guidelines 6.5 Housing History - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-VOM from REDACTED needed since not reporting on credit report. Proof the first mortgage was no longer past due at the time of closing required. Stmt on page 63 shows the mortgage currently past due. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Acknowledged-Exception received to allow online verification of mortgage history vs. VOM as required by guidelines. - Due Diligence Vendor-REDACTED<br>|  | FICO over REDACTED, self-employed REDACTED years, DTI under REDACTED | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes |
| REDACTED |  | 75507431 D B A | Closed | FCRE1152 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-REDACTED <br>Resolved-Tax information received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. Document uploaded. - Seller-REDACTED <br>Counter-The amount of annual property tax is needed for verification. It is not listed on title policy. Please provide verification of annual property tax amount. - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Missing Evidence of Property Tax - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Document uploaded. - Seller-REDACTED <br> Ready for Review-First half Property taxes for REDACTED were not due until REDACTED, REDACTED. Loan closedREDACTED before due date. The property taxes are impounded with REDACTED (Senior Lien) and will be paid thru 1st td lender.<br>- Seller-REDACTED | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-REDACTED <br>Resolved-Tax information received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 75507431 D B A | Closed | FCRE1326 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 YTD Profit & Loss Missing | Resolved-Borrower also pays salary/W2. YTD P&L received - Due Diligence Vendor-REDACTED <br> Resolved-Borrower 1 YTD Profit & Loss Provided - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Document uploaded. - Seller-REDACTED <br> Counter-Verification of the REDACTED extension and the following from guidelines is required: <br>8.4 Full Income Documentation<br> 8.4.1 Full Doc for Stand-Alone<br> Self-employed borrowers:<br> • 1 or 2 years tax returns (business and personal) including all schedules.<br> • Current YTD P&L (borrower prepared ok), or 3 months bank statements.<br> • Qualifying income based on tax returns. P&L or bank statement to support tax return income.<br> • Tax transcripts. - Due Diligence Vendor-REDACTED <br> Ready for Review-No P&L required for this one. This loan was approved with 1 year full doc - Seller-REDACTED <br> Open-Borrower 1 YTD Profit & Loss Missing - Per guidelines, YTD P&L or 3 months business bank statements required to support the returns for 1 year Self Employed Full Income Documentation - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Document uploaded. - Seller-REDACTED <br>Ready for Review-No P&L required for this one. This loan was approved with 1 year full doc - Seller-REDACTED<br>| Resolved-Borrower also pays salary/W2. YTD P&L received - Due Diligence Vendor-REDACTED <br>Resolved-Borrower 1 YTD Profit & Loss Provided - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 75507431 D B A | Closed | FCRE1335 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-REDACTED <br>Resolved-Received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Borrower 1 IRS Transcripts Missing - 1040 tax transcripts required. are required for Self-Employed Borrowers per guidelines - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-REDACTED <br>Resolved-Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 75507431 D B A | Closed | FCRE8611 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Counter-Verification of REDACTED extension required - Due Diligence Vendor-REDACTED <br>Ready for Review-Which documentation? - Seller-REDACTED <br>Open-- Borrower is self employed and qualified using income earned from year REDACTED 1120S income, however age of documentation from Note exceeds 60 days allowed by guidelines - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED <br>Ready for Review-Which documentation? - Seller-REDACTED<br>| Resolved-Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 75507431 D B A | Closed | FCOM5135 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 79749284 D B A | Closed | FCRE1195 | REDACTED | REDACTED | Acknowledged | 2 - Non-Material C B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Acknowledged-Document Uploaded. Exception received tfor CLTV of REDACTED% - Due Diligence Vendor-REDACTED <br> Open-Max CLTV is REDACTED% (P&L doc type). First mortgage statement received. The deferred principal balance must be included in the first lien amount for calculation LTV. LTV is REDACTED - Due Diligence Vendor-REDACTED |  | Acknowledged-Document Uploaded. Exception received tfor CLTV of REDACTED - Due Diligence Vendor-REDACTED |  | FICO REDACTED, DTI REDACTED, adequate reserves not required by program | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | Originator Post-Close | Yes |
| REDACTED |  | 79749284 D B A | Closed | FCRE5116 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Mortgage Statement for 1st lien - REDACTED (pg 178) is dated more than 60 days prior to the note date. Most recent statement dated within 60 days of note date is required. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 79749284 D B A | Closed | FCRE0360 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Documentation received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. First mortgage statement from REDACTED (pg 178) reflects a deferred balance of REDACTED. LOE for deferral and documentation of deferral terms is required. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Documentation received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 79749284 D B A | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Property Title Issue Commitment (pg 220) item #17 reflects a lien in the original amount of REDACTED dated REDACTED. Verification this lien has been satisfied and will be removed from title is required. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 79749284 D B A | Closed | FCOM5135 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 71995922 C A | Closed | FCRE1167 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s)and Replacement Cost Estimator by Insurer was not Provided | Resolved-RCE received, policy has guaranteed replacement/repair cost and additional insurance for premises, special provisions REDACTED, min of 10% additional coverage. Coverage is verified. - Due Diligence Vendor-REDACTED <br> Counter- - Due Diligence Vendor-REDACTED <br> Ready for Review-RCE received. Replacement Cost estimate =REDACTED. Hazard coverage is REDACTED. Coverage amount must be at minimum REDACTED. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. revised RCE - Seller-REDACTED <br> Counter-RCE received is from REDACTED. RCE is over 12 months old and before current policy effective date. Please provide updated RCE within 12 months. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage of REDACTED is less than all Subject Lien(s), and Guaranteed Replacement Coverage is provided but Replacement Cost Estimator by Insurer was not Provided Total mortgages on subject property =REDACTED. Dwelling coverage (pg 93) is REDACTED. Dwelling coverage must be at least equal REDACTED OR Replacement Cost Estimator indicating RCV. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. revised RCE - Seller-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-RCE received, policy has guaranteed replacement/repair cost and additional insurance for premises, special provisions REDACTED, min of 10% additional coverage. Coverage is verified. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 70497133 D A C | Closed | FCRE8611 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-CPA verification received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Counter-Document received does not provide documentation of the business/cpa registration. Proof of CPA/Tax Preparer license is required. - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Missing documentation verifying CPA business registration. Lender provided an internet search which does not reflect the registration details of the business page 283,282,411 - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-CPA verification received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 70497133 D A C | Closed | FCRE9000 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Mortgage Statement | Resolved-Documentation received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Counter-Terms of deferment received. First Mortgage statement dated within 60 days of note date is still required. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Missing first mortgage statement dated within 60 days of note date. 1st Mortgage statement (pg 285) indicates a deferred principal balance of REDACTED. Documentation of deferral terms is required. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Documentation received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 70497133 D A C | Closed | FCRE7497 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved- - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-- Missing documentation to verify PITIA of REDACTED and rental income of REDACTED for other REO at REDACTED per final 1003 page 131 - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>|  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 70497133 D A C | Closed | FVAL9739 | REDACTED | REDACTED | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-Document received. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Appraisal (pg 428) indicates property has REDACTED. A copy of the lease agreement is required. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Document received. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 70497133 D A C | Closed | FCRE3978 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Resolved- - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Counter-LOX received was credit inquiries - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Credit LOX - Seller-REDACTED <br> Open-Subject property mortgage shows REDACTED on the credit report (pg 213). Borrower LOE for delinquency is required. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED <br>Ready for Review-Document Uploaded. Credit LOX - Seller-REDACTED<br>|  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 75244846 D A C | Closed | FVAL9739 | REDACTED | REDACTED | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-Resolved - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Please see page 40 of the attached appraisal report. <br> Per Appraiser, <br> REDACTED<br> - Seller-REDACTED <br> Open-Appraisal report reflects REDACTED, however, the loan file is missing supporting documentation to verify the information page 155 - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Please see page 40 of the attached appraisal report. <br>Per Appraiser, <br>REDACTED<br> - Seller-REDACTED | Resolved-Resolved - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 75244846 D A C | Closed | FCRE1201 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED <br>Resolved-Received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED <br>Resolved-Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 75244846 D A C | Closed | FCOM5135 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 78287963 D A | Closed | FCOM9963 | REDACTED | REDACTED | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Right to Receive Appraisal | Resolved-Right to Receive Appraisal Disclosure is not Missing, or Not Applicable - Due Diligence Vendor-REDACTED <br>Resolved-Received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open- - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Right to Receive Appraisal Disclosure is not Missing, or Not Applicable - Due Diligence Vendor-REDACTED <br>Resolved-Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 78287963 D A | Closed | FCOM4283 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Deed of Trust | Resolved-Received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open- - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 78287963 D A | Closed | FCOM1262 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | Right of Rescission is Missing | Resolved-Right of Rescission is Provided - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Right of Rescission is Missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Right of Rescission is Provided - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 78287963 D A | Closed | FCRE1316 | REDACTED | REDACTED | 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-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing B1 VVOE in file is not within 10 days of closing date - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 78287963 D A | Closed | FCOM1206 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | The Note is Missing | Resolved-The Note is Present - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-The Note is Missing (compliance to be re-tested once received) - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-The Note is Present - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 78287963 D A | Closed | FCRE6019 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Borrower 1 Citizenship Documentation Is Missing Missing USA Patriot Act disclosure - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 71838005 A |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other |  |  |
| REDACTED |  | 78876515 D A C | Closed | FCOM3075 | REDACTED | REDACTED | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing US Patriot Act Disclosure or ID | Resolved-Resolved - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open- REDACTED of REDACTED captured on the USA Patriot Act Disclosure form is before loan closing date of REDACTED page 283,268 - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Resolved - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 78876515 D A C | Closed | FCRE1148 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien(s) - Due Diligence Vendor-REDACTED <br> Resolved-Received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien(s) - Title policy does not reflect coverage amount. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien(s) - Due Diligence Vendor-REDACTED <br> Resolved-Received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 78876515 D A C | Closed | FCOM5135 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 71663673 A |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other |  |  |
| REDACTED |  | 79393685 D A C | Closed | FCOM5135 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-. - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 79393685 D A C | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Property Title Issue Per ALTA Commitment Schedule B Part 1 (pg 205) there is lien from REDACTED in the amount of REDACTED. Documentation and verification this has been paid in full and is no longer a lien on the subject property is required. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 75922064 C A | Closed | finding-3634 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved- - Due Diligence Vendor-REDACTED <br> Resolved- - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Final LE COC and Locked LE - Seller-REDACTED <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 REDACTED.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). NO POINTS WERE DISCLOSED ON THE INITIAL LE. POINTS WERE DISCLOSED IN THE AMOUNT OF REDACTED ON THE FINAL CD. NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE. - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Final LE COC and Locked LE - Seller-REDACTED<br>| Resolved- - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 75922064 C A | Closed | finding-3631 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved- - Due Diligence Vendor-REDACTED <br> Resolved- - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. LE COC and LE for lock to reflect discount points on Final LE - Seller-REDACTED <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. NO POINTS WERE DISCLOSED ON THE INITIAL LE. POINTS WERE DISCLOSED IN THE AMOUNT O FREDACTED ON THE FINAL CD. NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE. - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. LE COC and LE for lock to reflect discount points on Final LE - Seller-REDACTED<br>| Resolved- - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 78247063 A |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other |  |  |
| REDACTED |  | 79765507 D A | Closed | finding-3631 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-COC document received. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Initial CD provided in original delivery package reflects COC / origination amount - Seller-REDACTED <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. A LOAN ORIGINATION FEE WAS DISCLOSED IN THE AMOUNT OF REDACTED ON THE INTIAL LE. THE LOAN ORIGIANTION FEE INCREASED TO REDACTED ON THE FINAL CD. NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE. - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Initial CD provided in original delivery package reflects COC / origination amount - Seller-REDACTED<br>| Resolved-COC document received. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 79765507 D A | Closed | finding-3634 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-COC document received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Initial CD provided in original delivery package reflects COC / origination amount - Seller-REDACTED <br> Open-A LOAN ORIGINATION FEE WAS DISCLOSED IN THE AMOUNT OF REDACTED ON THE INTIAL LE. THE LOAN ORIGIANTION FEE INCREASED TO REDACTED ON THE FINAL CD. NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE. - Due Diligence Vendor-REDACTED <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 REDACTED.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-REDACTED <br> Open- - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Initial CD provided in original delivery package reflects COC / origination amount - Seller-REDACTED<br>| Resolved-COC document received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 79765507 D A | Closed | FCOM1263 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | Right of Rescission is Partially Provided | Resolved-Right of Rescission is Provided - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Both NORTC were in original delivery package about 60 pages apart/not right next to each other - Seller-REDACTED <br> Open-Right of Rescission is Partially Provided Right to Cancel signed by co-borrower/B2 (owner of property) is not in file. Right to Cancel signed by B1 is in file. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Both NORTC were in original delivery package about 60 pages apart/not right next to each other - Seller-REDACTED<br>| Resolved-Right of Rescission is Provided - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 70625496 D A C | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-All docs received, file updated w/solar payment. Resolved. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Please see attached docs, REDACTED. no liability hit required. - Seller-REDACTED <br> Counter-FTP received with coverage amount. Items 2 & 3 remain open. Item # 3 is not addressed specifically on FTP. - 2. REDACTED for REDACTED is in file, however, verification of the monthly lease payment is needed. Lease payment is required to be included in the DTI. 3. Title must provide a supplement that confirms the lien position of this mortgage ahead of the UCC or financing statement filing - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Property Title Issue 1. Preliminary title is missing the amount of lenders coverage<br> 2. REDACTED is in file, however, verification of the monthly lease payment is needed. Lease payment is required to be included in the DTI.<br> 3. Title must provide a supplement that confirms the lien position of this mortgage ahead of the UCC or financing statement filing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Please see attached docs, REDACTED. no liability hit required. - Seller-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-All docs received, file updated REDACTED. Resolved. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 70625496 D A C | Closed | FCOM5135 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 77617528 D A C | Closed | FVAL9739 | REDACTED | REDACTED | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-Document Uploaded. - Due Diligence Vendor-REDACTED <br>Resolved-Document Uploaded. - Due Diligence Vendor-REDACTED <br>Resolved-Short term rental verification for prior 12 months received with name/ property address. Resolved. - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Short term rental verification is missing company name (source) and REDACTED statement does not have property address on booking history provided. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Document Uploaded. - Due Diligence Vendor-REDACTED <br>Resolved-Document Uploaded. - Due Diligence Vendor-REDACTED <br>Resolved-Short term rental verification for prior 12 months received with name/ property address. Resolved. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 77617528 D A C | Closed | FCRE0360 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Document Uploaded. - Due Diligence Vendor-REDACTED <br> Resolved-Rent Free letter is in file and DOT indicates primary residence is owned solely by spouse. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi - current residence is under spouse only - Seller-REDACTED <br> Open-Verification that the primary residence is owned free & clear is required to be documented. (B1 does not meet professional investor defintion with REDACTED) - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Hi - current residence is under spouse only - Seller-REDACTED<br>| Resolved-Document Uploaded. - Due Diligence Vendor-REDACTED <br>Resolved-Rent Free letter is in file and DOT indicates primary residence is owned solely by spouse. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 77617528 D A C | Closed | FVAL2477 | REDACTED | REDACTED | Resolved | 1 - Information C A | Property | Appraisal | Appraisal incomplete (missing map, layout, pages, etc.) | Resolved-REDACTED received. Using short term rental income verification vs. REDACTED as required for short term rental properties. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-REDACTED is required for all DSCR appraisals. Appraisal is missing 1007. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-REDACTED received. Using short term rental income verification vs. REDACTED as required for short term rental properties. - Due Diligence Vendor-REDACTED |  |  | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 77617528 D A C | Closed | FCRE5116 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Statement received. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. A first mortgage statement within 60 days of the note date is required for the first mortgage on the subject property. (B1 does not meet professional investor defintion with REDACTED) - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Statement received. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 74009162 D A | Closed | FCRE1168 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s) and Replacement Cost Value Provided | Resolved-Hazard Insurance Coverage Amount of REDACTED is equal to or greater than all Subject Lien(s) and/or Replacement Cost Estimator is provided and Hazard Insurance Coverage Amount is equal to or greater than Replacement Cost Value of $REDACTED - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage Amount of REDACTED is less than all Subject Lien(s) and/or Replacement Cost Estimator is provided but Hazard Insurance Coverage Amount is less than Replacement Cost Value of $- Required dwelling coverage amount of REDACTED exceeds dwelling coverage of REDACTED. Replacement cost estimate in file is outdated as cost data is as at REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Hazard Insurance Coverage Amount of REDACTED is equal to or greater than all Subject Lien(s) and/or Replacement Cost Estimator is provided and Hazard Insurance Coverage Amount is equal to or greater than Replacement Cost Value of REDACTED - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 74009162 D A | Closed | FCRE1335 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Borrower 1 IRS Transcripts Missing Missing B1 W2 transcripts required by guidelines for salaried employees and self employed borrowers - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 74009162 D A | Closed | FCRE2109 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-WVOE received, resolved. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Please see attached WVOE, Income Worksheet is correct, start date was REDACTED, REDACTED. Average Income was used, prior to that borrower was working at REDACTED. - Seller-REDACTED <br> Open-Income worksheet reflects REDACTED income as REDACTED and REDACTED income as REDACTED, however, W2 in file reflects REDACTED for REDACTED and REDACTED for REDACTED. An updated income worksheet and updated 1008 are required. DTI is subject to recalculation upon receipt as Lender qualified borrower using YTD + 2 Yr W2 Avg. No WVOE in file. page 235,236,27 - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Please see attached WVOE, Income Worksheet is correct, start date was REDACTED, REDACTED. Average Income was used, prior to that borrower was working at Sentara. - Seller-REDACTED | Resolved-WVOE received, resolved. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 74009162 D A | Closed | FCOM5135 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-. - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 74009162 D A | Closed | FCOM9963 | REDACTED | REDACTED | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Right to Receive Appraisal | Resolved-. - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open- - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 74273590 D A | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Resolved - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Counter-Document uploaded indicates the UCC Statement has not been released and remains on the title policy. The UCC must be subordinated or removed from title. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Property Title Issue Title (pg 238) Exception #10 reflects a REDACTED REDACTED. A copy of the statement is required. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Resolved - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 74273590 D A | Closed | FCRE1159 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Document received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. The file has REDACTED policies- REDACTED and renewal policy was provided effective REDACTED. - Seller-REDACTED <br> Open-Hazard insurance effective date of REDACTED is after the note date of REDACTED. Verification of Hazard Insurance in effect as of the note date is required. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. The file has REDACTED policies- REDACTED and renewal policy was provided effective REDACTED. - Seller-REDACTED | Resolved-Document received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 74273590 D A | Closed | FCRE0360 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Document received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. - Mortgage statement dated REDACTED exceeds 60 days from Note REDACTED allowed by guidelines page 280/416, 1/211 - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Document received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 74273590 D A | Closed | FCRE7497 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-doc received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Final 1003 reflects monthly payment of REDACTED for other REO at REDACTED, however, the loan file is missing documentation to verify the payment - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-doc received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 74273590 D A | Closed | FCRE2109 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Doc received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-A completed income calculation worksheet is required - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Doc received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 74273590 D A | Closed | FCRE1148 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Supplement received. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien(s) Title policy does not reflect coverage amount - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Title Supplement received. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 79487396 D A | Closed | FCRE7497 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-All info received and included in calculations - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Counter-Mortgage statement received for the REDACTED property, but the mortgage does not include escrow. Final 1003 updated. Still needed: Missing documentation to verify property taxes and insurance for other REO at REDACTED. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-- Missing documentation to verify property taxes and insurance for other REO at REDACTED. Final 1003 Section 3b reflects escrow amount of REDACTED vs mortgage statement being REDACTED. page 73/245; REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-All info received and included in calculations - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 79487396 D A | Closed | FCOM7001 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | TRID | Missing Post Consummation Closing Disclosure | Resolved-PCCD received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Missing PCCD with disbursement date of 6/18/25 - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-PCCD received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 79487396 D A | Closed | finding-47 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Disbursement verified after RTC date expired. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Title final SS / disb REDACTED - Seller-REDACTED <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. THE DATE OF DISBURSEMENT FROM THE FINAL CD IS REDACTED. THE NOTICE OF THE RIGHT TO CANCEL DATES WERE CHANGED AND INITIALZED BY THE BORROWER. THE BORROWER SIGNED THE NOTICE OF THE RIGHT TO CANCEL ON REDACTED THE LAST DAY TO CANCEL WAS REDACTED WHICH IS THE SAME DAY AS THE DISBURSEMENT DATE. - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Title final SS / disb REDACTED - Seller-REDACTED | Resolved-Disbursement verified after RTC date expired. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 79487396 D A | Closed | FCRE1168 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s) and Replacement Cost Value Provided | Resolved-Hazard Insurance Coverage Amount of REDACTED is equal to or greater than all Subject Lien(s) and/or Replacement Cost Estimator is provided and Hazard Insurance Coverage Amount is equal to or greater than Replacement Cost Value of REDACTED - Due Diligence Vendor-REDACTED <br> Resolved- - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. See attached updated RCE with date calculated REDACTED - Seller-REDACTED <br> Open-RCE provided is greater than 12 months old REDACTED. Current RCE (page 128) needed or coverage A increased to cover loan balances. Current Cov A is REDACTED. Total of liens is REDACTED. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. See attached updated RCE with date calculated REDACTED - Seller-REDACTED | Resolved-Hazard Insurance Coverage Amount of REDACTED is equal to or greater than all Subject Lien(s) and/or Replacement Cost Estimator is provided and Hazard Insurance Coverage Amount is equal to or greater than Replacement Cost Value of REDACTED - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 79487396 D A | Closed | FCOM1233 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Final 1003 is signed by non-borrowing spouse as an additional borrower. Corrected Final 1003 needed with only borrower signature. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 74703748 A |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other |  |  |
| REDACTED |  | 76775957 D A C | Closed | FVAL9739 | REDACTED | REDACTED | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-Interior pictures of back structure/ADU provided - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Counter-The original appraisal was received uploaded again. Please provide additional photos from the appraiser. The photos on appraisal state back structure - one photo of interior but unsure if this is a photo of the back structure interior (?). No photos of ADU. ADU is included in the value, so photos are required. Photos needed. - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Counter-Photos on appraisal state back structure - one photo of interior but unsure if this is a photo of the back structure interior (?). No photos of ADU. Photos needed. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Interior pictures of back structure/ADU provided - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 76775957 D A C | Closed | FCRE7810 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Title issue | Resolved-FTP received & proof of UCC termination received. UCC removed from title. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Counter-UCC lien included in CLTV per guidelines, now at REDACTED. UCC termination is not filed. UCC termination filed or updated title showing it removed is required. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-FTP received & proof of UCC termination received. UCC removed from title. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 76775957 D A C | Closed | FCRE9000 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Mortgage Statement | Resolved-. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-07/REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 76775957 D A C | Closed | FCOM1477 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-. - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Evidence of Rate Lock Missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 78477052 A |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Debt Consolidation |  |  |
| REDACTED |  | 73140692 D A C | Closed | FCRE6546 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-Ist lien ARM adjusts REDACTED. Qualified on fully indexed payment per note in file. DTI is REDACTED. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-The Senior Lien is an ARM with next scheduled adjustment REDACTED. A copy of the original Note is required to determine the fully indexed payment. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Ist lien ARM adjusts REDACTED. Qualified on fully indexed payment per note in file. DTI is REDACTED. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 73140692 D A C | Closed | finding-1228 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | State Reg | NJ Second Lien Prohibited Fees Test | Resolved-PCCD and tolerance cure received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-This loan failed the second lien prohibited fees test.<br> (N.J.S.A. §17:11C-80, N.J.A.C. §§3:15-9.2)The loan does charge fee(s) not provided for in this act, which is prohibited.A secondary lender shall not contract for a broker's or finder's fee; commission; expense; fine; penalty; premium; or any other thing of value other than the charges authorized by this act.A secondary lender shall have authority to collect only the following:(1) no more than three discount points;(2) reasonable attorney fees at the time the execution of the loan;(3) title examination, abstract of title, survey, and title insurance;(4) credit report fee;(5) appraisal fee;(6) recording fees;(7) application fee;(8) returned check fee not to exceed $20, a late charge not to exceed 5% of the late payment, and(9) on open-end loans, the lesser of an annual fee of $50 or 1% or the line of credit.<br> The deed preparation fee REDACTED is not a permitted fee. - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-PCCD and tolerance cure received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 73140692 D A C | Closed | FCRE1345 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Lease Agreements Missing | Resolved-Solar PPA received. - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Borrower has leased solar panels. Copy of lease with SunRun is required to verify terms. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Solar PPA received. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 71242182 C B A | Closed | FVAL9739 | REDACTED | REDACTED | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived-Unpermitted ADU with kitchenette per appraisal report, however, rental income was excluded for ADU for subject property. T - Due Diligence Vendor-REDACTED |  | Waived-Unpermitted ADU with kitchenette per appraisal report, however, rental income was excluded for ADU for subject property. T - Due Diligence Vendor-REDACTED<br>|  | Oldest mortgage REDACTED borrower has several mortgage with no lates and credit history going back to REDACTED, REDACTED years with no lates reported, FICO score of REDACTED | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes |
| REDACTED |  | 71242182 C B A | Closed | FCRE8611 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. Updated transaction statement uploaded - Buyer-REDACTED <br>Open-Lender qualified borrower using income from Asset depletion from quarterly statements dated through REDACTED per comments on income worksheet, however, the loan file only contains statements through REDACTED. Please provide missing statements - page 4,810-821 - Due Diligence Vendor-REDACTED |  | Resolved-Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 71242182 C B A | Closed | FCRE1148 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Updated title attached - Buyer-REDACTED <br> Open-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien(s) - Title policy is missing coverage amount - Due Diligence Vendor-REDACTED |  | Resolved-Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 79742405 D B A C | Closed | FCRE5791 | REDACTED | REDACTED | Acknowledged | 2 - Non-Material C B | Credit | Closing | Borrower 2 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Acknowledged-Gap credit report pulled after closing and disbursement. Credit ordered REDACTED. Acknowledged. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Counter-Gap credit report received, same as in file. The gap credit report dated REDACTED is more than 15 days from the note date. A gap credit report within 15 days prior to the note date is required. - Due Diligence Vendor-REDACTED <br> Ready for Review-Borrower 2 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Soft pull uploaded - Buyer-REDACTED <br> Open-Borrower 2 Gap Credit Report is Expired (Greater than 15 days from Closing/Settlement Date). - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Acknowledged-Gap credit report pulled after closing and disbursement. Credit ordered REDACTED. Acknowledged. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | Originator Post-Close | No |
| REDACTED |  | 79742405 D B A C | Closed | FCRE5790 | REDACTED | REDACTED | Acknowledged | 2 - Non-Material C B | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Acknowledged-Gap credit report pulled after closing and disbursement. Credit ordered REDACTED. Acknowledged. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Buyer-REDACTED <br> Counter-Gap credit report received, same as in file. The gap credit report dated REDACTED is more than 15 days from the note date. A gap credit report within 15 days prior to the note date is required. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Soft pull uploaded - Seller-REDACTED <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 15 days from Closing/Settlement Date). - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Soft pull uploaded - Seller-REDACTED<br>| Acknowledged-Gap credit report pulled after closing and disbursement. Credit ordered REDACTED. Acknowledged. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | Originator Post-Close | No |
| REDACTED |  | 79742405 D B A C | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. updated policy uploaded - Seller-REDACTED <br> Open-Property Title Issue 1. Title pg 79, Item #7 for delinquent charges on REDACTED. Lien was paid at closing. Updated title docs required to evidence this has been removed from final title policy. <br> 2. Title pg 79, Item #8 for jREDACTED. Release on page 116 required to be recorded and updated title docs are required to evidence this has been removed from final title policy. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. updated policy uploaded - Seller-REDACTED<br>| Resolved-Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 79742405 D B A C | Closed | FCRE1201 | REDACTED | REDACTED | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc | Third Party Fraud Report not Provided | Acknowledged-Fraud report received. Date ordered is after note & disbursement date, loan closed without fraud report in file. Acknowleged. - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. Final fraudguard uploaded - Seller-REDACTED <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Final fraudguard uploaded - Seller-REDACTED<br>| Acknowledged-Fraud report received. Date ordered is after note & disbursement date, loan closed without fraud report in file. Acknowleged. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | Originator Post-Close | No |
| REDACTED |  | 79742405 D B A C | Closed | FCOM1233 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-REDACTED <br> Resolved-Received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. corrective final 1003 uploaded - Buyer-REDACTED <br> Open-INCOME ON FINAL 1003 FOR B1 AND B2 DOES NOT MATCH INCOME CALCULATION WORKSHEET ON PAGE 16. REDACTED. - Due Diligence Vendor-REDACTED |  | Resolved-The Final 1003 is Present - Due Diligence Vendor-REDACTED <br>Resolved-Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 79742405 D B A C | Closed | FVAL9739 | REDACTED | REDACTED | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-PCI received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. PCI uploaded - Buyer-REDACTED <br>Open-Property Condition Inspection is required. - Due Diligence Vendor-REDACTED |  | Resolved-PCI received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 73349626 C B A | Closed | FCRE0360 | REDACTED | REDACTED | Acknowledged | 2 - Non-Material C B | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Acknowledged-Exception received to allow the use of the p[ayment history in ln place of the VOM and allow the deferred balance maturity date to occur prior to the maturity date of this new lien (REDACTED years difference). (Def bal is included in LTV calculation and not part of exception.) - Due Diligence Vendor-REDACTED <br> Ready for Review-Please see attached exception and payment history. <br> - Seller-REDACTED <br> Open-1. VOM (pg 80-82) is dated post-closing. 2. VOM appears to have been requested and received by the borrower instead of the lender. 3. VOM does not have a signature or name of the preparer. 4. VOM does not include the deferred principal balance of REDACTED. - Due Diligence Vendor-REDACTED | Ready for Review-Please see attached exception and payment history. <br> - Seller-REDACTED<br>| Acknowledged-Exception received to allow the use of the p[ayment history in ln place of the VOM and allow the deferred balance maturity date to occur prior to the maturity date of this new lien (REDACTED years difference). (Def bal is included in LTV calculation and not part of exception.) - Due Diligence Vendor-REDACTED |  | FICO over REDACTED, self-employed for REDACTED years, DTI under REDACTED. | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | Originator Post-Close | Yes |
| REDACTED |  | 73349626 C B A | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Confirmation received. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Counter-The FTP does not specifically address the New Financing Amendment (pg 117). Explanation and verification the New Financing Amendment does not null and void lender's title coverage because borrowers received cash back at closing. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Need Final Title Policy and verification from the Title Company indicating the REDACTED(pg 117) does not null and void lender's title coverage because borrowers received cash back at closing. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Confirmation received. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 73349626 C B A | Closed | FVAL5524 | REDACTED | REDACTED | Resolved | 1 - Information C A | Property | Property | Ineligible Property | Resolved- - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Ineligible senior lien. The deferred balance comes due prior to the maturity date of the new lien. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>|  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 73349626 C B A | Closed | FCRE1148 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Document received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien(s) A proposed amount of Insurance is required. However, title page 558 does not reflect a proposed amount of Insurance as required. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Document received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 73349626 C B A | Closed | FCOM5771 | REDACTED | REDACTED | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing evidence of a required disclosure at application. | Resolved-Documents received. - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Right to Receive Appraisal Disclosure is required. However. no Right to Receive Appraisal Disclosure was located in the file as required. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Documents received. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 73349626 C B A | Closed | FVAL2301 | REDACTED | REDACTED | Acknowledged | 2 - Non-Material B | Property | Missing Doc | Missing Updated Completion Report (442/10040) | Acknowledged-Completion report dated REDACTED page 162 is after Note dated REDACTED page 204 and Disbursement dated REDACTED page 1. The required completion report was not completed until after closing and disbursement date. Loan closed without a complete property valuation at the time of closing - Acknowleged. <br> - Due Diligence Vendor-REDACTED |  | Acknowledged-Completion report dated REDACTED page 162 is after Note dated REDACTED page 204 and Disbursement dated REDACTED page 1. The required completion report was not completed until after closing and disbursement date. Loan closed without a complete property valuation at the time of closing - Acknowleged. <br> - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | Originator Post-Close | No |
| REDACTED |  | 75009858 D A C | Closed | FCRE1148 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien(s) - Due Diligence Vendor-REDACTED <br> Resolved-Received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. updated policy attached. - Buyer-REDACTED <br> Open-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien(s) - The Title policy is missing coverage amount. - Due Diligence Vendor-REDACTED |  | Resolved-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien(s) - Due Diligence Vendor-REDACTED <br> Resolved-Received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 75009858 D A C | Closed | FCOM5135 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. no affiliation letter attached. - Buyer-REDACTED <br>Open-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-REDACTED |  | Resolved-Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 75009858 D A C | Closed | FCOM1266 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. counseling disclosure attached - Seller-REDACTED <br>Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. counseling disclosure attached - Seller-REDACTED<br>| Resolved-Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 75009858 D A C | Closed | FCOM1287 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. counseling disclosure attached - Seller-REDACTED <br>Open-Consumer Caution and Home Owner Counseling Notice is Missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. counseling disclosure attached - Seller-REDACTED<br>| Resolved-Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 79371162 D A | Closed | FCRE1152 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Document Uploaded. Resolved, no outstanding taxes due - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> Please see proof of taxes paid. <br> Thanks! - Buyer-REDACTED <br> Open-Title Commitment Pg 697, Schedule B Part II #12 indicates the second half of REDACTED property taxes were unpaid and would become delinquent on REDACTED in the amount of REDACTED. Verification that these were paid at or prior to closing is required. - Due Diligence Vendor-REDACTED |  | Resolved-Document Uploaded. Resolved, no outstanding taxes due - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 79371162 D A | Closed | FCOM1221 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-Recorded DOT received includes Notary information. - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. Hi,<br> Please see the attached. the Notary information is in the form of a stamp.<br> Thanks! - Buyer-REDACTED <br>Open-The notary section of the Deed of Trust (pg 151) is missing the Notary's printed name, date, and stamp. A recorded copy of the DOT with complete notarization is required. - Due Diligence Vendor-REDACTED |  | Resolved-Recorded DOT received includes Notary information. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 79371162 D A | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Updated title docs received. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> Please see attached revised title for REDACTED<br> Thanks! - Buyer-REDACTED <br> Open-Property Title Issue Lender's coverage to be amended to REDACTED. - Due Diligence Vendor-REDACTED |  | Resolved-Updated title docs received. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 71917245 A |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other |  |  |
| REDACTED |  | 78517926 D A | Closed | FCRE6026 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Income/Employment | Potential Employment/income Issues identified in the file | Resolved-Borrower business P&L clarification received - applied REDACTED expense factor per guidelines. Resolved. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. The borrower provided more information on this LOE that was not provided in the initial closing package. <br> He is REDACTED receiving REDACTED so REDACTED expense factor is acceptable. - Seller-REDACTED <br> Open-Per CPA letter, business is REDACTED. 1. Minimum REDACTED expense factor is required. 2. P&L does not include Cost of Goods Sold. An updated P&L, Income Worksheet, and 1008 are required. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. The borrower provided more information on this LOE that was not provided in the initial closing package. <br> He is just a REDACTED receiving REDACTED so expense factor is acceptable. - Seller-REDACTED | Resolved-Borrower business P&L clarification received - applied REDACTED expense factor per guidelines. Resolved. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 78517926 D A | Closed | FCRE3978 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Resolved-Received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-missing purpose for cash out letter. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 78517926 D A | Closed | FCOM5135 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Document received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Document received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 76509581 D A | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Documents received, no impact to lien position. Resolved. - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-1. Title Report Sched B, Part II #9 indicates the property is subject to a transfer upon death designation. Copy of the document is required and verification this can not impact lien position.<br> 2. Title Report Sched B, Part II #24 requires payment and release of the first mortgage. This loan is subordinate to the first mortgage. Updated title report removing this requirement is required. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Documents received, no impact to lien position. Resolved. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | QM: Rebuttable Presumption DTI (DTI RP) | QM: Rebuttable Presumption DTI (DTI RP) | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 76509581 D A | Closed | FCRE8201 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-Lender Mavent received. QM Rebuttable Presumption status updated with lender REDACTED & TPR Compliance run. Valuations in file acceptable. - Due Diligence Vendor-REDACTED <br> Ready for Review- - Due Diligence Vendor-REDACTED <br> Open-AVM and exterior inspection used for value determination. Loan is REDACTED full 1004 appraisal is required. - Due Diligence Vendor-REDACTED |  | Resolved-Lender REDACTED received. QM Rebuttable Presumption status updated with lender REDACTED & TPR Compliance run. Valuations in file acceptable. - Due Diligence Vendor-REDACTED |  |  | REDACTED | QM: Rebuttable Presumption DTI (DTI RP) | QM: Rebuttable Presumption DTI (DTI RP) | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 76509581 D A | Closed | FCRE1316 | REDACTED | REDACTED | 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-REDACTED <br>Ready for Review-Document Uploaded. FVOE attached - Seller-07/REDACTED | Ready for Review-Document Uploaded. FVOE attached - Seller-REDACTED<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | QM: Rebuttable Presumption DTI (DTI RP) | QM: Rebuttable Presumption DTI (DTI RP) | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 76509581 D A | Closed | FCOM4227 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial CD received. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Initial CD attached - Seller-REDACTED | Ready for Review-Document Uploaded. Initial CD attached - Seller-REDACTED<br>| Resolved-Initial CD received. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | QM: Rebuttable Presumption DTI (DTI RP) | QM: Rebuttable Presumption DTI (DTI RP) | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 76509581 D A | Closed | FCRE3978 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Resolved-Received. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Received. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | QM: Rebuttable Presumption DTI (DTI RP) | QM: Rebuttable Presumption DTI (DTI RP) | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 78035404 A |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other |  |  |
| REDACTED |  | 76840524 D A | Closed | FCRE1152 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-REDACTED <br>Resolved-Received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. Hi,<br> Please see the attached tax cert.<br> Thanks! - Buyer-REDACTED <br>Open-Missing Evidence of Property Tax There is no Tax information provided on the Title and there is no Tax Cert in the file. - Due Diligence Vendor-REDACTED |  | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-REDACTED <br>Resolved-Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 76840524 D A | Closed | FCOM1544 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-REDACTED <br> Resolved-Received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> Please see attached final CD.<br> Thanks! - Buyer-REDACTED <br> Open-TRID: Missing Final Closing Disclosure (Compliance to be re-verified once received. RTC exp date REDACTED) - Due Diligence Vendor-REDACTED |  | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-REDACTED <br>Resolved-Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 76840524 D A | Closed | FCOM1266 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. Hi,<br> Please see attached.<br> Thanks! - Buyer-REDACTED <br>Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-REDACTED |  | Resolved-Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 76840524 D A | Closed | FCOM5135 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Received - Due Diligence Vendor-REDACTED <br>Ready for Review-Hi,<br> Please see attached.<br> Thanks! - Seller-REDACTED <br>Open-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-REDACTED | Ready for Review-Hi,<br> Please see attached.<br> Thanks! - Seller-REDACTED<br>| Resolved-Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 73918025 C A B | Closed | FPRO1001 | REDACTED | REDACTED | Resolved | 1 - Information B A | Property | Value | Additional valuation variance is greater than primary valuation by 10% or more | Resolved-Resolved - Due Diligence Vendor-REDACTED <br> Resolved-Resolved - Due Diligence Vendor-REDACTED <br> Ready for Review-Hi,<br> Please see the attached appraisal used to underwrite the loan. the signature date on the signature page was updated to REDACTED. They completed an appraisal rebuttal. The old appraisal is signed REDACTED.<br> Thanks! - Buyer-REDACTED <br> Open-Additional valuation(s) variance is greater than primary valuation by +10% or more There are 2 full 1004s on the same date by the same appraiser. One is valued at REDACTED, the other is REDACTED. Explanation is required. All valuations in file must be considered. - Due Diligence Vendor-REDACTED |  | Resolved-Resolved - Due Diligence Vendor-REDACTED <br> Resolved-Resolved - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 73918025 C A B | Closed | FCOM6722 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | Closing | Mortgage not properly executed | Resolved-Resolved - Due Diligence Vendor-REDACTED <br> Ready for Review-Hi,<br> The borrower on title is REDACTED. He is the REDACTED on our loan. His REDACTED is also on the loan, and was added to title by virtue of this loan. REDACTED happens to be the REDACTED also. Our guidelines do not say the REDACTED must be an owner. It just says at least one borrower must be on title for six months. That has been met.<br> Thanks! - Buyer-REDACTED <br> Open-Vesting on title does not match mortgage/DOT. Primary borrower w/qualifying score does is not an owner of the property. - Due Diligence Vendor-REDACTED | . - REDACTED <br>| Resolved-Resolved - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 73918025 C A B | Closed | FCRE7009 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-. - Due Diligence Vendor-REDACTED <br> Ready for Review-Hi,<br> Please look at the far right of the top of page 1 the homeowner's policy from REDACTED. For Policy Questions, contact your agent REDACTED<br> Now please revert back to the email. In the signature line, Under the blue words that say REDACTED, it says REDACTED, and the office number isREDACTED. The phone numbers match, this is the agent for this policy. <br> Thanks! - Buyer-REDACTED <br> Open-Actual RCE for insurance from Homeowners Insurance Company is required. Email from REDACTED is not sufficient to verify RCE on a policy with another ins company (Homeowners Insurance), & the agency listed on the HOI policy is not the same agency as the REDACTED email. - Due Diligence Vendor-REDACTED |  | Resolved-. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 76076603 D B A | Closed | FCRE5116 | REDACTED | REDACTED | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc | Missing VOM or VOR | Acknowledged-Statement dated REDACTED received. Statement is dated after loan closing. Acknowledged. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Counter-A credit supplement cannot be used in place of the first mortgage statement. Stmt in file (pg 397) is dated REDACTED, next due REDACTED. Please advise if you have a statement within 60 days of the note date. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. credit supp in lieu of recent mtg stmnt as is shows next due REDACTEDand loan closed on REDACTED - Seller-REDACTED <br> Open-Mortgage statement in file (pg 397) is dated greater than 60 days prior to the note date. Updated mortgage statement within 60 days of the note date is required. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED <br> Ready for Review-Document Uploaded. credit supp in lieu of recent mtg stmnt as is shows next due REDACTED and loan closed on REDACTED - Seller-REDACTED | Acknowledged-Statement dated REDACTED received. Statement is dated after loan closing. Acknowledged. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | Originator Post-Close | No |
| REDACTED |  | 70459425 D A | Closed | FCRE2109 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved- - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Income comments on 1008, however, bank statement income requires full income worksheet indicating which deposits were included/excluded. Bank statement income worksheet was not located in the file. <br>- Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>|  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 76643757 D A B | Closed | FCRE1347 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Documentation received, sch C - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Borrower 2 3rd Party VOE Prior to Close Missing Verification of existence of business within 30-days of the note date is required. Business license or CPA letter verifying existence, current business license, current On-line verification from regulatory agency or licensing bureau, Certification verifying business existence through direct contact or internet search. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Documentation received, sch C - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 76643757 D A B | Closed | FCRE1964 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved-Received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-B2 - Current YTD P&L (borrower prepared ok), or 3 months bank statements for business required - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 76643757 D A B | Closed | FCOM3987 | REDACTED | REDACTED | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing evidence required disclosure provided at closing | Resolved-Document received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Proof of appraisal delivery/waiver required. However, NO proof of appraisal receipt was located in the file during review. Documents pages 413 & 471 do not satisfy appraisal receipt requirements. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Document received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 76643757 D A B | Closed | FCRE1148 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien(s) - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien(s) Title coverage is less than loan amount. Coverage is REDACTED. Loan amount is REDACTED. Increased title coverage to be provided. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien(s) - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 70244615 D A | Closed | FCRE3978 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Resolved- - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. Cash out LOE uploaded - Buyer-REDACTED <br>Open-Cash out letter is missing. - Due Diligence Vendor-REDACTED |  |  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 70244615 D A | Closed | FCOM1477 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved- - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. final lock confirmation uploaded - Buyer-REDACTED <br>Open-Evidence of Rate Lock Missing - Due Diligence Vendor-REDACTED |  |  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 70764144 C A | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-FTP received - items resolved on FTP - finding resolved. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Property Title Issue Title - Page 139 - Schedule B #7 - Verification that the Notice of Lien with REDACTED, in the amount of REDACTED plus costs was paid prior to closing and has been removed from title. Schedule B #6 - to be updated to reflect that the first lien is not required to be paid off. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-FTP received - items resolved on FTP - finding resolved. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 79390715 D A | Closed | FCRE7009 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. Please see attached, see page 3 - Seller-REDACTED <br>Open-Coverage A is less than RCE or total of liens. Verification of the amount of additional coverage in Forms/Exhibits is needed to verify insurance coverage. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Please see attached, see page 3 - Seller-REDACTED<br>| Resolved-Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 79390715 D A | Closed | FCRE5116 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Mortgage statement received. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-First mortgage statement on subject property in file is more than 60 days from note date (REDACTED - pg 80). A first mortgage statement dated within 60 days of note date is required. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Mortgage statement received. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 79390715 D A | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Docs received. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Proof of tax payment from the county showing the delinquent taxes were paid prior to closing date. Taxes of REDACTED plus penalty of REDACTED were delinquent as of REDACTED. Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Docs received. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 79390715 D A | Closed | FCRE1148 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Updated title document received. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Counter-Document uploaded is tax certificate. Title commitment/PTP required indicating amount of lender's title insurance coverage. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien(s) - Title policy does not reflect coverage amount - page 111 - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Updated title document received. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 79390715 D A | Closed | FCRE6534 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Fraud Product | Resolved-Document received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Missing Fraud Report - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Document received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 73895744 D A | Closed | FCOM4028 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-The Certificate of Compliance or Exemption (pg 163) is not recorded. Please provide evidence of recording. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 73895744 D A | Closed | finding-3634 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Resolved - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <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 REDACTED.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). A CHANGE OF CIRCUMSTANCE WAS DATED REDACTED FOR RATE LOCK AND AN INCREASE IN FEES INCLUDING POINTS. POINTS WERE DISCLOSED AS REDACTED ON THE INITIAL LE. POINTS INCREASED TO REDACTED ON THE FINAL CD. A REVISED CD WAS DISCLOSED ON REDACTED. LM REFLECTS THE LENDER INCLUDES REDACTED AS A BUSINESS DAY. DUE TO REDACTED BEING INCLUDED AS A BUSINESS DAY THE REVISED CD OF REDACTED. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Resolved - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 73895744 D A | Closed | finding-3536 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date and Changed Circumstances Date Test | Resolved-Resolved - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-This loan failed the initial 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 , and 12 CFR §1026.19(e)(4)(i))The initial 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 company settings business days profile page:As not being open on REDACTED PLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, REDACTED calculations will presume the company'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 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 any 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 any corrected disclosures provided under § 1026.19(f)(2)(i) or (ii)). A CHANGE OF CIRCUMSTANCE WAS DATED REDACTED FOR RATE LOCK AND AN INCREASE IN FEES INCLUDING POINTS. POINTS WERE DISCLOSED AS REDACTED ON THE INITIAL LE. POINTS INCREASED TO REDACTED ON THE FINAL CD. A REVISED CD WAS DISCLOSED ON REDACTED. LM REFLECTS THE LENDER INCLUDES REDACTED AS A BUSINESS DAY. DUE TO REDACTED BEING INCLUDED AS A BUSINESS DAY THE REVISED CD OF REDACTED. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Resolved - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 73895744 D A | Closed | FCRE3653 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-Received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Explanation for Cash-Out is missing. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 73895744 D A | Closed | FCOM1477 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Evidence of Rate Lock Missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 71634777 D A | Closed | FCRE1335 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-REDACTED <br>Resolved- - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Borrower 1 IRS Transcripts Missing 2 YRS W2 TRANSCRIPTS ARE MISSING FOR B1 - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 71634777 D A | Closed | FCRE1365 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 IRS Transcripts Missing | Resolved-Borrower 2 IRS Transcripts Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-REDACTED <br>Resolved- - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Borrower 2 IRS Transcripts Missing B2 MISSING 1099 TRANSCRIPTS - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Borrower 2 IRS Transcripts Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 71634777 D A | Closed | FCRE3978 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Resolved-LOE received - Due Diligence Vendor-REDACTED. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-LOE received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 71634777 D A | Closed | FCRE1252 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Title Document is Provided And Complete - Due Diligence Vendor-REDACTED <br> Resolved- - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Title Document is Incomplete Lender's coverage needs to be amended to REDACTED. Currently reflects REDACTED - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Title Document is Provided And Complete - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 71634777 D A | Closed | FCRE3653 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved- - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-CASH OUT LETTER IS MISSING FROM FILE. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>|  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 71195688 D A | Closed | FCRE3978 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Resolved-Received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. Hi,<br> Please see attached cash out letter.<br> Thanks! - Buyer-REDACTED <br>Open-USE OF CASH OUT LETTER IS MISSING FROM FILE - Due Diligence Vendor-REDACTED |  | Resolved-Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 71195688 D A | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Document Uploaded. Quit claim deed transferring ownership out of the life estate received. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> Please see attached. Borrowers quitclaimed out of the life estate at closing. <br> Thanks! - Buyer-REDACTED <br> Open-Property Title Issue Sent for investor review. Life Estate & all holders of the life estate are not borrowers as per FNMA requirements. <br> 1. the co-borrower, who is REDACTED & is REDACTED, is not a current owner of the property. <br> 2. Note is in the name of REDACTED<br> 3. DOT/Mtg is titled - REDACTED as Joint with right of survivorship<br> 4. Title - REDACTED a single woman, and REDACTED, a single woman, as joint tenants with rights of survivorship reserving unto themselves a life estate with remainder at their death to vest REDACTED<br>Reference - REDACTED Guidelines on Life Estate:<br> When title to the subject property is held as a life estate with a remainder interest, this is a form of joint ownership where both parties have an interest in the property (the holder of the life estate has the right of current possession of the property, while the remainder holder has the right of future possession of the property upon death of the holder of the life estate). For the loan to be eligible for delivery to REDACTED, the holders of both interests must grant their interests in the property by signing the security instrument for the loan, and the holder of the life estate, the life tenant, must be a borrower on the mortgage note. The remainder holder may be a borrower on the mortgage note but is not required.<br>- Due Diligence Vendor-REDACTED |  | Resolved-Document Uploaded. Quit claim deed transferring ownership out of the life estate received. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 72687213 C A | Closed | FCRE1148 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Updated title docs received. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Updated policy attached - Buyer-REDACTED <br> Open-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien(s) Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien of REDACTED - Due Diligence Vendor-REDACTED |  | Resolved-Updated title docs received. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 73991553 D A | Closed | FCRE2109 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Rental income received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Rental income - income worksheet shows-REDACTED. UW 1008 indicates +REDACTED Verification/explanation of rental income required as this causes DTI to be outside program guidelines. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Rental income received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 73991553 D A | Closed | FCRE1193 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Rental income received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Rental income worksheet vs. 1008 - DTI is now at REDACTED. Rental income verification required. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Rental income received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 73991553 D A | Closed | FCRE1152 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Document Uploaded. - Due Diligence Vendor-REDACTED <br> Resolved-Resolved - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Current tax statement from county shows borrower is current on taxes - Seller-REDACTED <br> Open-Verification delinquent REDACTED property taxes were paid at/prior to closing is required. Title - pg 593. REDACTED penalty and REDACTED plus REDACTED penalty. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Current tax statement from county shows borrower is current on taxes - Seller-REDACTED<br>| Resolved-Document Uploaded. - Due Diligence Vendor-REDACTED <br>Resolved-Resolved - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 73991553 D A | Closed | FCRE1964 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved- - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-1. REDACTED Tax extension needed<br> 2. 3 months current bank statements or YTD P&L required. There are 2 months bank statements in file - REDACTED REDACTED & REDACTED REDACTED. <br> - Due Diligence Vendor-REDACTED | REDACTED extension & YTD P&L received - REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED<br>|  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 77745294 D B A | Closed | FCRE8201 | REDACTED | REDACTED | Acknowledged | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Acknowledged-use of AVM. min confidence score of 90% is required. Exception is on page 1 to allow with REDACTED confidence score. - Due Diligence Vendor-REDACTED |  | Acknowledged-use of AVM. min confidence score of 90% is required. Exception is on page 1 to allow with REDACTED% confidence score. - Due Diligence Vendor-REDACTED |  | CLTV is REDACTED vs. program max of REDACTED, DTI of REDACTED vs. program max REDACTED, and no late pays on mortgage history - REDACTED | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes |
| REDACTED |  | 77745294 D B A | Closed | FCRE1325 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Resolved with documentation provided - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> Please see revised 1003 to match the information listed on the CPA letter and income. Please also see CPA letter of reinstatement.<br> Thanks! - Buyer-REDACTED <br> Open-Employment information on CPA letter conflicts with final 1003. Per CPA letter (pg 101), borrower has been REDACTED owner since REDACTED. Per 1003, borrower has owned business since REDACTED. Clarification and updated documents are required. Additionally, CPA is under a probation order and letter in file stating he is registered and in good standing (pg 104) was provided by the CPA in question. - Due Diligence Vendor-REDACTED |  | Resolved-Resolved with documentation provided - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 77745294 D B A | Closed | FCOM1233 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Resolved - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Buyer-REDACTED <br> Open-The Final 1003 is Incomplete calculated income of REDACTED does not match final 1003. Time self-employed listed on 1003 does not match CPA verification. - Due Diligence Vendor-REDACTED |  | Resolved-Resolved - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 77745294 D B A | Closed | FCRE8611 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. hi,<br> Please see the attached license and location search.<br> Thanks! - Buyer-REDACTED <br>Open-CPA letter states borrower is self employed but does not state business license is not required. Active business license is missing - Due Diligence Vendor-REDACTED |  | Resolved-Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 79950358 A |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |
| REDACTED |  | 79671728 A |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other |  |  |
| REDACTED |  | 73191230 A |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |
| REDACTED |  | 79480432 D A | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-FTP received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Property Title Issue Preliminary title (pg 96) does not include the amount of Lenders Title Insurance. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-FTP received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 79480432 D A | Closed | FCRE2109 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Income calculation received. - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open- - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Income calculation received. - Due Diligence Vendor-REDACTED<br>|  | Lender's Income Calculation worksheet is required. | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 79480432 D A | Closed | FCOM5135 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Document Received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Document Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 79128107 A |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |
| REDACTED |  | 72185584 D A C | Closed | FVAL3244 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Note | Resolved-Documentation received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Counter-Note for this loan received. Still needed - Note and Final CD for purchase of new primary residence is required per UW final approval pg 3. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Counter-Please provide a copy for this loan file. The shipped copies do not come to the TPR. - Due Diligence Vendor-REDACTED <br> Ready for Review-Note was shipped via REDACTED REDACTED - Seller-REDACTED <br> Open-Note and Final CD for purchase of new primary resident is required per UW final approval pg 3. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Ready for Review-Note was shipped via REDACTED REDACTED - Seller-REDACTED | Resolved-Documentation received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 72185584 D A C | Closed | FVAL9739 | REDACTED | REDACTED | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-Lender provided updated 1008 and PCCD reflecting correct value. - Due Diligence Vendor-REDACTED <br> Open-AVM on pg 177 shows value of REDACTED. Value on final CD see pg 286 and 1008 see page 4 reflects REDACTED. No documentation is in the file to support higher value. - Due Diligence Vendor-REDACTED |  | Resolved-Lender provided updated 1008 and PCCD reflecting correct value. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 72185584 D A C | Closed | FCRE4001 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing 1008/UW Approval Document | Resolved-updated 1008 received. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Missing REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-updated 1008 received. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 72185584 D A C | Closed | FCOM9558 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | TRID | Final CD: Sale Price/Estimated Value is missing or inaccurate | Resolved-PCCD reflecting correct value received. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-AVM was used for valuation. AVM on page 177 shows value of REDACTED, There is no documentation to validate value of REDACTED as reflected on Final CD on page 286. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-PCCD reflecting correct value received. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 78341784 D A | Closed | FCOM5135 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Document received. - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Document received. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 79443910 D B A | Closed | FCRE1145 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Title Document is missing. Additional conditions may apply after review of title documents. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Title Document is fully Present - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Purchase | NA | N/A | N/A |
| REDACTED |  | 79443910 D B A | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Property Title Issue - Due Diligence Vendor-REDACTED <br> Resolved-FTP indicates same vesting as DOT with both owners. Resolved. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Counter-DOT for the second shows joint vesting which does not match the title report. If title is correct then the DOT will need to be amended. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Spouse was removed from contract on addendum #14 <br> - Seller-REDACTED <br> Counter-Final TItle Policy showing REDACTED as joint tenants needed. DOT and purchase contract show REDACTED as an owner (not as B2). - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED <br> Rescinded-Property Title Issue. B2 is not listed on the title commitment. Updated title documents required. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED <br>Ready for Review-Document Uploaded. Spouse was removed from contract on addendum #14 <br> - Seller-REDACTED<br>| Resolved-Property Title Issue - Due Diligence Vendor-REDACTED <br>Resolved-FTP indicates same vesting as DOT with both owners. Resolved. - Due Diligence Vendor-REDACTED <br>Rescinded-Property Title Issue. B2 is not listed on the title commitment. Updated title documents required. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Purchase | NA | N/A | N/A |
| REDACTED |  | 79443910 D B A | Closed | FCRE4963 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Debt | No evidence of required debt payoff | Resolved-Payoffs on first CD match AUS payoffs required - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. They didn't payoff REDACTED they instead paid off two REDACTED accounts, which is evidenced on the final CD of the first. - Seller-REDACTED <br> Counter-Payoff statements received. Need evidence these REDACTED was paid off at or prior to closing. REDACTED payoffs are evidenced on Closing Disclosure (pg 532). - Due Diligence Vendor-REDACTED <br> Ready for Review-Payoff statements - Seller-REDACTED <br> Open-Verification of payoff of REDACTED, REDACTED, and REDACTED required as per AUS requirements, - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. They didn't payoff REDACTED they instead paid off two REDACTED accounts, which is evidenced on the final CD of the first. - Seller-REDACTED <br> Ready for Review-Payoff statements - Seller-REDACTED | Resolved-Payoffs on first CD match AUS payoffs required - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Purchase | NA | N/A | N/A |
| REDACTED |  | 79443910 D B A | Closed | FCOM1233 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Counter-The final 1003 in file shows both B1& B2 as borrowers. The corrected 1003 showing only B1 as a borrower is required. - Due Diligence Vendor-REDACTED <br>Open-The Final 1003 is Incomplete Final 1003 for B2 (pg 72) is not complete. A fully completed final 1003 executed by the borrower is required. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Purchase | NA | N/A | N/A |
| REDACTED |  | 79443910 D B A | Closed | FCRE4293 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | File does not contain all required Asset Statement(s) | Resolved-REDACTED reflect gift. Assets verified per AUS. Sale of prior home verified with CD. Matches REDACTED 1003. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. there are no assets on the URLA or the AUS except for gift. The AUS reflects the gift. - Seller-REDACTED <br> Counter-Still need: 1. Current bank statements for REDACTED DU approval. Asset account statements in file are from REDACTED<br> Counter-Seller CD evidencing net equity received. Still need: 1. Current bank statements for REDACTED as shown on DU approval. Asset account statements in file are from REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-\*\*1. DU Approval for first lien lists the following assets: REDACTED. Asset account statements in file are from REDACTED | Ready for Review-Document Uploaded. there are no assets on the URLA or the AUS except for gift. The AUS reflects the gift. - Seller-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-AUS REDACTED reflect gift. Assets verified per AUS. Sale of prior home verified with CD. Matches AUS & 1003. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Purchase | NA | N/A | N/A |
| REDACTED |  | 79443910 D B A | Closed | FCOM3075 | REDACTED | REDACTED | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing US Patriot Act Disclosure or ID | Resolved-Received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-B1 photo ID or US Patriot Act form not located in file - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Purchase | NA | N/A | N/A |
| REDACTED |  | 79443910 D B A | Closed | FCRE1201 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED <br>Resolved-Fraud Report received - Due Diligence Vendor-REDACTED <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-REDACTED |  | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED <br>Resolved-Fraud Report received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Purchase | NA | N/A | N/A |
| REDACTED |  | 79443910 D B A | Closed | FCRE3653 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved- - Due Diligence Vendor-REDACTED <br>Counter-AUS only lists B1. Both B1 and B2 signed the note, CD, final 1003 as borrowers. B2 was not a borrower on the first mortgage. - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-B2 was not a borrower on the AUS for the first mortgage. First and Second are to be the same per second guidelines. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>|  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Purchase | NA | N/A | N/A |
| REDACTED |  | 79443910 D B A | Closed | FCRE5783 | REDACTED | REDACTED | 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-REDACTED <br>Resolved- - Due Diligence Vendor-REDACTED <br>Ready for Review-The Fraud Guard contains the UDM for the 1st and 2nd Borrower which is what we use in place of Gap Credit - Seller-REDACTED <br>Counter-FraudGuard uploaded. Still need Credit Report and Gap Credit report for B2. - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. Undisclosed Debt Monitoring in place of gap credit in uploaded. Includes borrower and 2nd borrower - Seller-REDACTED <br>Open-Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-REDACTED | Ready for Review-The Fraud Guard contains the UDM for the 1st and 2nd Borrower which is what we use in place of Gap Credit - Seller-REDACTED <br>Ready for Review-Document Uploaded. Undisclosed Debt Monitoring in place of gap credit in uploaded. Includes borrower and 2nd borrower - Seller-REDACTED<br>| Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Purchase | NA | N/A | N/A |
| REDACTED |  | 79443910 D B A | Closed | FCRE5771 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Credit Report is Missing | Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-REDACTED <br>Open-Borrower 2 Credit Report is Missing. The Co-Borrowers Credit report is not in the file. Additional conditions may apply once B2 credit report is reviewed. - Due Diligence Vendor-REDACTED |  | Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Purchase | NA | N/A | N/A |
| REDACTED |  | 79443910 D B A | Closed | FCRE1328 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 W2/1099 Missing | Resolved-Docs received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Counter-Documents provided do not validate employment prior to REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Borrower 1 W2/1099 Missing B1 REDACTED W2 missing to verify employment for the full two years prior to current employer. W2 for REDACTED prior to start date with current employer required. WVOE shows REDACTED start date. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Docs received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Purchase | NA | N/A | N/A |
| REDACTED |  | 79443910 D B A | Closed | FCRE1335 | REDACTED | REDACTED | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Acknowledged-Transcripts received, ordered REDACTED, after closing/note date - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Borrower 1 IRS Transcripts Missing Per the guidelines, for Piggyback 2nd liens, the documentation requirements for Full Doc loans are to follow the 1st lien requirements. <br>Per the guidelines, transcripts required. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Acknowledged-Transcripts received, ordered REDACTED, after closing/note date - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Purchase | NA | Originator Post-Close | No |
| REDACTED | REDACTED | 74876573 A |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other |  |  |
| REDACTED |  | 74188511 D A | Closed | FCRE2109 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-- Missing income worksheet for B1 and B2 required by guidelines. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 74188511 D A | Closed | FCRE1159 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Resolved - HOI in place at disbursement. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. The loan funded REDACTED. The insurance was effective when we closed. - Seller-REDACTED <br> Open-Hazard Insurance Effective Date of REDACTED is after the Note Date of REDACTED - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. The loan funded REDACTED. The insurance was effective when we closed. - Seller-REDACTED | Resolved-Resolved - HOI in place at disbursement. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 78069581 A |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other |  |  |
| REDACTED |  | 77118491 D A C | Closed | FCRE2109 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved- - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open- - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>|  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 77118491 D A C | Closed | FVAL9739 | REDACTED | REDACTED | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved- - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-A copy of the Property condition inspection without the top portion cut off is needed. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>|  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 70055410 D A C | Closed | FCRE1158 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Replacement cost & expanded replacement cost coverage verified as per guideline requirements. Resolved. - Due Diligence Vendor-REDACTED <br> Ready for Review-We would like this escalated. All the documentation that we have provided shows that REDACTED has sufficient insurance coverage. We should not need to go back to our borrower to get a RCE. This is not good business. The appraisal shows that the total cost new is REDACTED. Our insurance coverage with the replacement cost coverage and expanded replacement cost is REDACTED. This more than covers the total cost new of REDACTED. Please clear condition. Thank you! - Seller-REDACTED <br> Counter-The processor cert using appraisal cost estimate cannot be used for replacement cost of the property. The letter in file indicates the maximum coverage is REDACTED. Total of all liens is REDACTED(first lien + second mortgage). The is no RCE in file. Coverage is not sufficient. At this time, an RCE from the insurance company must be provided or Coverage A must be increased to cover the total of all liens. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Processor cert uploaded showing replacement cost - Seller-REDACTED <br> Counter-Portions of policy definition received. RCE has not been received. Coverage A must cover the total of all liens or the RCE from the insurer. Letter received from HOI that verifies coverage up to REDACTED. Total of all liens is REDACTED(first lien + second mortgage). - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. RCE uploaded - Seller-REDACTED <br> Counter-Letter received from HOI that verifies coverage up to REDACTED. Total of all liens is REDACTED(first lien + second mortgage). The is no RCE in file. Coverage is not sufficient. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Please see uploaded document showing that the borrower has REDACTED extended replacement coverage. - Seller-REDACTED <br> Open-Hazard Insurance Policy Partially Provided - Dwelling coverage amount of REDACTED is less than required coverage amount of REDACTED (first lien + second mortgage). The homeowner insurance policy reflects there is an expanded replacement cost but the percentage or amount was not specified and there is no replacement cost estimate in file. page 314 - Due Diligence Vendor-REDACTED | Ready for Review-We would like this escalated. All the documentation that we have provided shows that REDACTED has sufficient insurance coverage. We should not need to go back to our borrower to get a RCE. This is not good business. The appraisal shows that the total cost new is REDACTED. Our insurance coverage with the replacement cost coverage and expanded replacement cost is REDACTED. This more than covers the total cost new of REDACTED. Please clear condition. Thank you! - Seller-REDACTED <br> Ready for Review-Document Uploaded. Processor cert uploaded showing replacement cost - Seller-REDACTED <br> Ready for Review-Document Uploaded. RCE uploaded - Seller-REDACTED <br> Ready for Review-Document Uploaded. Please see uploaded document showing that the borrower has REDACTED extended replacement coverage. - Seller-REDACTED | Resolved-Replacement cost & expanded replacement cost coverage verified as per guideline requirements. Resolved. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 70055410 D A C | Closed | FCRE5116 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-REDACTED <br>Resolved-Received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. Mortgage statement uploaded - Seller-REDACTED <br>Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. First mortgage statement pg 336 is not legible, statement is missing information, including stmt date, at the top - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Mortgage statement uploaded - Seller-REDACTED<br>| Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-REDACTED <br>Resolved-Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 70055410 D A C | Closed | FCRE4001 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing 1008/UW Approval Document | Resolved-Verified purchase power agreement is energy only. Resolved. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. This is a REDACTED. Borrower is purchasing the utility, not the system. Utility expenses are not included in ratios. Agreement uploaded. - Seller-REDACTED <br> Open-Missing REDACTED | Ready for Review-Document Uploaded. This is a SREDACTED. Borrower is purchasing the utility, not the system. Utility expenses are not included in ratios. Agreement uploaded. - Seller-REDACTED | Resolved-Verified REDACTED. Resolved. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 70055410 D A C | Closed | FCRE3978 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Resolved-Verified REDACTED. Resolved. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. This is a Solar Purchase Power Agreement<br> Borrower is purchasing the utility, not the system. Utility expenses are not included in ratios<br> - Seller-REDACTED <br> Open-Leased solar panels indicated on appraisal. A copy of the lease & purchase power agreement are required. Payment must be counted in DTI. Updated 1008 with lease payment included is required. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. This is a Solar Purchase Power Agreement<br> Borrower is purchasing the utility, not the system. Utility expenses are not included in ratios<br> - Seller-REDACTED<br>| Resolved-Verified REDACTED is energy only. Resolved. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 70055410 D A C | Closed | FVAL2477 | REDACTED | REDACTED | Resolved | 1 - Information C A | Property | Appraisal | Appraisal incomplete (missing map, layout, pages, etc.) | Resolved-Received. - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-A complete copy of the appraisal with all information on top and bottom of each page is needed. Copy in file has information cut off on top and bottom of many pages. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Received. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 70055410 D A C | Closed | FCRE1201 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Document received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Document received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 70055410 D A C | Closed | FVAL9739 | REDACTED | REDACTED | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-Full copy of appraisal received. - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-- The submitted appraisal report is incomplete as the top and bottom pages are missing essential details. A full and accurate report is required. page 10 - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Full copy of appraisal received. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 70055410 D A C | Closed | FCRE1252 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Title document received. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Title Document is Incomplete - Title Coverage Amount of REDACTED is Less than Subject Lien of REDACTED page 443 - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Title document received. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 74325271 D A C | Closed | FCRE1161 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-REDACTED <br>Resolved-Received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Missing Flood Certificate - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Flood Certificate is fully present - Due Diligence Vendor-REDACTED <br>Resolved-Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 74325271 D A C | Closed | FCRE1252 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Title Document is Provided And Complete - Due Diligence Vendor-REDACTED <br> Resolved-Received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Title Document is Incomplete Prelim title is missing Lender's coverage & Lender name. supplement on page 202 states loan amount of REDACTED, not Lender's coverage of REDACTED. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Title Document is Provided And Complete - Due Diligence Vendor-REDACTED <br>Resolved-Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 74325271 D A C | Closed | finding-3716 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | State Reg | CA Per Diem Interest Amount Test | Resolved-Resolved with PCCD - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Please see attached Post CD - Our post CD shows prepaid interest only REDACTED. - Seller-REDACTED <br> Open- - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED <br> Open-This loan failed the per diem interest amount test. (REDACTED Bus. Prof. Code §2948.5)The per diem interest amount charged on the loan (REDACTED) exceeds the per diem interest charge or credit threshold (REDACTED).PLEASE NOTE: An additional REDACTED buffer was included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Please see attached Post CD - Our post CD shows prepaid interest only REDACTED. - Seller-REDACTED | Resolved-Resolved with PCCD - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 74325271 D A C | Closed | FCRE1335 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-REDACTED <br>Resolved-Received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Borrower 1 IRS Transcripts Missing 2 YRS TAX TRANSCRIPTS ARE MISSING FROM FILE. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-REDACTED <br>Resolved-Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 76575486 A |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other |  |  |
| REDACTED |  | 75422744 D A | Closed | FCRE2109 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Resolved - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Please see attached 1008 with UW Income Cal - Seller-REDACTED <br> Open-Lender income calculation is not in file. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Please see attached 1008 with UW Income Cal - Seller-REDACTED<br>| Resolved-Resolved - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 77817143 D A C | Closed | FCRE4001 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing 1008/UW Approval Document | Resolved-Received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. 1008 - Seller-REDACTED <br> Counter-TPR shows REDACTED as rep credit score. 1008 received reflects REDACTED. Lender to advise. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Counter-TPR requires a copy of the corrected 1008. The shipping file does not come to us. - Due Diligence Vendor-REDACTED <br> Ready for Review-Re: Missing REDACTED<br> Open-Missing REDACTED | Ready for Review-Document Uploaded. 1008 - Seller-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Ready for Review-Re: Missing 10REDACTED<br>| Resolved-Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 77817143 D A C | Closed | FCRE1148 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien(s) - Due Diligence Vendor-REDACTED <br> Resolved-Received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien(s) Title coverage of REDACTED is less than the loan amount of REDACTED. Updated title insurance required. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien(s) - Due Diligence Vendor-REDACTED <br> Resolved-Received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 77817143 D A C | Closed | FCRE5782 | REDACTED | REDACTED | 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-REDACTED <br> Resolved-UDM received - REDACTED - REDACTED - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED <br> Resolved-UDM received - REDACTED- REDACTED - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 77817143 D A C | Closed | FCRE5783 | REDACTED | REDACTED | 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-REDACTED <br> Resolved-UDM received - REDACTED - REDACTED - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED <br> Resolved-UDM received - REDACTED REDACTED - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 77817143 D A C | Closed | FVAL1628 | REDACTED | REDACTED | Resolved | 1 - Information C A | Property | Property | No HOA fees on appraisal and property identified as a PUD | Resolved- - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. HOA Stmt - Seller-REDACTED <br>Open-HOA identified on final CD. Verification of HOA dues needed. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. HOA Stmt - Seller-REDACTED<br>|  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 72858861 D A | Closed | FCRE4001 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing 1008/UW Approval Document | Resolved-1008 received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Missing 1008/UW Approval Document MISSING THE 1008. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-1008 received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 72858861 D A | Closed | FPRO1242 | REDACTED | REDACTED | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-REDACTED <br>Resolved-Received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Valuation missing. Property Condition Inspection is in file. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-REDACTED <br>Resolved-Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 71764017 A |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other |  |  |
| REDACTED |  | 77894418 A |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |
| REDACTED |  | 72214642 D A C | Closed | FCRE3978 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Resolved-Received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. LOE uploaded - Seller-REDACTED <br> Open-file is missing explanation for derogatory credit (REDACTEDS) CHARGEOFFS. LAST ACTION DATE REDACTED - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. LOE uploaded - Seller-REDACTED<br>| Resolved-Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 72214642 D A C | Closed | FCRE1148 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien(s) Updated title doc received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien(s) preliminary title reflects REDACTED and loan amount/ Lender's coverage should be REDACTED- Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien(s) Updated title doc received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 72214642 D A C | Closed | FVAL9739 | REDACTED | REDACTED | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-Received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-PCI document is cut off at top. Please upload a clear, complete copy of the PCI. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 71006908 B A | Closed | FCRE8201 | REDACTED | REDACTED | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-EXCEPTION ON PAGE 24/619 12 MONTH BANK STATEMENT LOAN AND W2 INCOME . LOAN WAS ORIGINATED REDACTED PRIOR TO GUIDELINE CHANGE DATED REDACTED. - Due Diligence Vendor-REDACTED |  | Waived-EXCEPTION ON PAGE 24/619 12 MONTH BANK STATEMENT LOAN AND W2 INCOME . LOAN WAS ORIGINATED REDACTED PRIOR TO GUIDELINE CHANGE DATED REDACTED. - Due Diligence Vendor-REDACTED |  | Low CLTV (REDACTED), REDACTED FICO, Strong mortgage history, high income earner with same employer for over REDACTED | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes |
| REDACTED |  | 73551083 D A | Closed | FCRE2109 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. Please see attached 1008, Under underwriting comments, UW Income Cal is on there and also attached additional Income Cal Worksheet. Updated Final 1003 attached as well. - Seller-REDACTED <br>Open- - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Please see attached 1008, Under underwriting comments, UW Income Cal is on there and also attached additional Income Cal Worksheet. Updated Final 1003 attached as well. - Seller-REDACTED<br>| Resolved-Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 73551083 D A | Closed | FCRE1193 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-B1 REDACTED. Updated - DTI within guidelines. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Please see attached 1008, Under underwriting comments, UW Income Cal is on there and also attached additional Income Cal Worksheet. Updated Final 1003 attached as well. - Seller-REDACTED <br> Open-Audited DTI of REDACTED exceeds Guidelines DTI of REDACTED for the following reasons - 1. Lender overstated Borrower 2 other income (Retirement) as REDACTED per final 1003; 2. Monthly payment for REDACTED changed from REDACTED on gap credit report. page 464,69,35,118,98,99<br> - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Please see attached 1008, Under underwriting comments, UW Income Cal is on there and also attached additional Income Cal Worksheet. Updated Final 1003 attached as well. - Seller-REDACTED<br>| Resolved-B1 REDACTED. Updated - DTI within guidelines. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 73551083 D A | Closed | FCRE1161 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-REDACTED <br>Resolved-. - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Missing Flood Certificate - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Flood Certificate is fully present - Due Diligence Vendor-REDACTED <br>Resolved-. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 73551083 D A | Closed | FCRE1168 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s) and Replacement Cost Value Provided | Resolved-Hazard Insurance Coverage Amount of REDACTED is equal to or greater than all Subject Lien(s) and/or Replacement Cost Estimator is provided and Hazard Insurance Coverage Amount is equal to or greater than Replacement Cost Value of REDACTED - Due Diligence Vendor-REDACTED <br> Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage Amount of REDACTED is less than all Subject Lien(s) and/or Replacement Cost Estimator is provided but Hazard Insurance Coverage Amount is less than Replacement Cost Value of REDACTED - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Per email from Insurance Company, the policy contains REDACTED replacement cost. - Seller-REDACTED <br> Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage Amount of REDACTED is less than all Subject Lien(s) and/or Replacement Cost Estimator is provided but Hazard Insurance Coverage Amount is less than Replacement Cost Value of REDACTED- Dwelling coverage amount of REDACTED is insufficient to cover required dwelling coverage amount of REDACTED(total unpaid mortgage on subject property). - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Per email from Insurance Company, the policy contains REDACTED replacement cost. - Seller-REDACTED | Resolved-Hazard Insurance Coverage Amount of REDACTED is equal to or greater than all Subject Lien(s) and/or Replacement Cost Estimator is provided and Hazard Insurance Coverage Amount is equal to or greater than Replacement Cost Value of REDACTED - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 77304747 A |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |
| REDACTED |  | 78409228 D A | Closed | FCRE1161 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Missing Flood Certificate FLOOD CERT NOT IN FILE. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Flood Certificate is fully present - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 78409228 D A | Closed | FCRE1167 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s)and Replacement Cost Estimator by Insurer was not Provided | Resolved-Sufficent Hazard Insurance Coverage is provided or Guaranteed Replacement Coverage is present and Insurer has provided Replacement Cost Estimator - Due Diligence Vendor-REDACTED <br> Resolved-. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage of REDACTED is less than all Subject Lien(s), and Guaranteed Replacement Coverage is provided but Replacement Cost Estimator by Insurer was not Provided REQUIRED COVERAGE IS REDACTED (REDACTED). DWELLING COVERAGE IS REDACTED. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Sufficent Hazard Insurance Coverage is provided or Guaranteed Replacement Coverage is present and Insurer has provided Replacement Cost Estimator - Due Diligence Vendor-REDACTED <br>Resolved-. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 77907856 D A | Closed | FCRE1148 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien(s) There is no Lender or Lender's Coverage Amount on the Title Report - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 77907856 D A | Closed | FCRE5116 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. First mortgage stmt within 60 days of note date missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 77907856 D A | Closed | FCRE1161 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-REDACTED <br>Resolved-Received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Missing Flood Certificate - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Flood Certificate is fully present - Due Diligence Vendor-REDACTED <br>Resolved-Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 74388281 D B A | Closed | FCRE1964 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved-Disability is from VA - verified. Resolved. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Counter-REDACTED loan guaranty received & REDACTED received. Documentation for REDACTED missing from file REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Disability is from REDACTED - verified. Resolved. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 74388281 D B A | Closed | FCRE5116 | REDACTED | REDACTED | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc | Missing VOM or VOR | Acknowledged-Mortgage statement received is dated after note date. Statement date is REDACTED. Note date REDACTED. - Due Diligence Vendor-REDACTED <br> Open-First mortgage statement within 60 days of note date required. (Stmt in file - pg 137 is greater than 60 days.) Note date REDACTED - Due Diligence Vendor-REDACTED |  | Acknowledged-Mortgage statement received is dated after note date. Statement date is REDACTED. Note date REDACTED. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No |
| REDACTED |  | 74388281 D B A | Closed | FCRE1148 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien(s) Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien of REDACTED. Updated title commitment or FTP with Lender's Title Coverage of at least REDACTED is required. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 70539888 D A | Closed | FCRE1252 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Documentation received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. hi,<br> Please see attached title, final CD reflecting the payoff at time of disbursement, and demand. <br> Thanks! - Buyer-REDACTED <br> Open-Title Document is Incomplete - Title Coverage Amount of REDACTED is Less than Subject Lien of REDACTED page 516. <br> - Verification UCC financing statement to REDACTED is removed and paid at closing with REDACTED payoff pg 515. - Due Diligence Vendor-REDACTED |  | Resolved-Documentation received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 73746466 D A C | Closed | FVAL9739 | REDACTED | REDACTED | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-Received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-The tops of appraisal pages are cut off, missing some data points. Please re-upload full appraisal report. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 73746466 D A C | Closed | FCOM1263 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | Right of Rescission is Partially Provided | Resolved-Received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-B2 signature is cut off on Right of Rescission acknowledgment. Please provide a complete fully executed copy. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 70597141 D B A | Closed | FCRE7497 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-All notes received. PITIA verified on properties. - Due Diligence Vendor-REDACTED <br> Ready for Review-Per your requests on REDACTED you requested for either Notes REDACTED. I have already sent you ALL the notes. Can you please clear this? - Seller-REDACTED <br> Counter-First mortgage notes from REDACTED received for REDACTED - (received, listed on 1003) REDACTED<br>\*\*\*\*\*\*\*\*\*\*\*\*\*\*The following new notes or adverse action notices for these properties that are in process are still needed per final 1003: REDACTED<br> - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Counter-The final 1003 on page 58 shows REDACTED is currently financing these properties and has account numbers for each property. Please provide the adverse action form where borrower application is cancelled or the final CD/note. etc. from the finaincing with Ameritrust - this is for all 3 properties. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Counter-We will be glad to use the mortgage statements, Do you have them? Can you send to us? - Due Diligence Vendor-REDACTED <br> Ready for Review-Can you please consider just using the mortgage stmt / HOI / Tax for the PITIA? Want to make sure before reaching out to the borrower (very upset that we keep asking for more on all of these properties) <br> so thought I would ask first. - Seller-REDACTED <br> Counter-Taxes & Insurance received. Missing final CD or note for P&I payment verification on these properties. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Missing supporting documentations to verify monthly payments of the properties listed below being processed concurrently by REDACTED with current loan being reviewed per final 1003:<br> REDACTED<br> - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Ready for Review-Can you please consider just using the mortgage stmt / HOI / Tax for the PITIA? Want to make sure before reaching out to the borrower (very upset that we keep asking for more on all of these properties) <br> so thought I would ask first. - Seller-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-All notes received. PITIA verified on properties. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 70597141 D B A | Closed | FCRE1335 | REDACTED | REDACTED | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Acknowledged-Transcripts received - ordered/received after closing date. Acknowledged. - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Borrower 1 IRS Transcripts Missing - Missing Tax transcripts required for self employed borrowers by Guidelines. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Acknowledged-Transcripts received - ordered/received after closing date. Acknowledged. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | Originator Post-Close | No |
| REDACTED |  | 70597141 D B A | Closed | FCOM2777 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Initial Good Faith Estimate | Resolved-Initial GFE received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. Initial GFE - Seller-REDACTED <br>Open-Initial GFE (Good Faith Estimate) is missing. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Initial GFE - Seller-REDACTED<br>| Resolved-Initial GFE received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 79132804 D A | Closed | FCRE5116 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. mtg stmnt attached - Seller-REDACTED <br>Open-Missing first mortgage statement dated within 60 days of note date - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. mtg stmnt attached - Seller-REDACTED<br>| Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 79132804 D A | Closed | FCRE1201 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED <br>Resolved-Received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. Fraud report attached - Seller-REDACTED <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Fraud report attached - Seller-REDACTED<br>| Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED <br>Resolved-Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 79132804 D A | Closed | FCRE1342 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. REDACTED REDACTED statements uploaded - Buyer-REDACTED <br> Open-Borrower 1 Business Bank Statements Missing Lender qualified borrower using business bank deposits from REDACTED REDACTED to Jun REDACTED per income worksheet, however, the loan file is missing bank statements for REDACTED REDACTED page 13;205-340 - Due Diligence Vendor-REDACTED |  | Resolved-Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 79132804 D A | Closed | 123ABCF | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Income/Employment | FICO does not meet minimum program requirement | Resolved-Corrected original credit report received. DTI based on updated gap credit in file. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. REDACTED UW utilized updated cr report not in doc package file- see attached. - Buyer-REDACTED <br> Open-Borrower's FICO score of REDACTED is less than minimum FICO of REDACTED allowed per guidelines matrix dated REDACTED - Due Diligence Vendor-REDACTED |  | Resolved-Corrected original credit report received. DTI based on updated gap credit in file. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 79132804 D A | Closed | FCRE1316 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-. - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. Signed CPA letter attached. - Buyer-REDACTED <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Business license and CPA letter in file are dated REDACTED was not signed by CPA and exceeds 30 days allowed by guidelines from Note date REDACTED. The . page 77,87,648,555 - Due Diligence Vendor-REDACTED |  | Resolved-. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 79132804 D A | Closed | FCRE6026 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Income/Employment | Potential Employment/income Issues identified in the file | Resolved-CPA letter verified as schedule C prior to incorporation. Resolved, - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Please see attached UW response. - Seller-REDACTED <br> Open-Borrower has not been self-employed two full years as required by guidelines. Business license dated REDACTED, note date REDACTED- Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Please see attached UW response. - Seller-REDACTED<br>| Resolved-CPA letter verified as schedule C prior to incorporation. Resolved, - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 79132804 D A | Closed | FCOM5135 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Resolved - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. Seller LOE attached - Seller-REDACTED <br>Open-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Seller LOE attached - Seller-REDACTED<br>| Resolved-Resolved - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 79132804 D A | Closed | finding-3631 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. CD with COC attached - Buyer-REDACTED <br> Open- - Due Diligence Vendor-REDACTED <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. THE RECORDING FEE WAS DISCLOSED AS REDACTED ON THE INITIAL LE. THE RECORDING FEE INCREASED TO REDACTED ON THE FINAL CD. NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE. - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED |  | Resolved-. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 79132804 D A | Closed | finding-3635 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. CD with COC attached - Buyer-REDACTED <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% (REDACTED) exceed the comparable charges (REDACTED) 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). THE RECORDING FEE WAS DISCLOSED AS REDACTED ON THE INITIAL LE. THE RECORDING FEE INCREASED TO REDACTED ON THE FINAL CD. NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE. - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED |  | Resolved-. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 71400034 D A C | Closed | FCRE3978 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Resolved-Solar not on title. Dividend lease payment included in DTI. Solar panels not given any value on appraisal. Resolved. - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. Hi,<br> Please see the attached statement from Dividend Solar. the account number and payment match the account listed on the credit report, so the underwriter didn't include that payment as a separate payment (like an HOA due)<br> Thanks! - Buyer-REDACTED <br>Open-Solar lease/purchase power agreement required - appraisal indicates leased solar panels. - Due Diligence Vendor-REDACTED |  | Resolved-Solar not on title. Dividend lease payment included in DTI. Solar panels not given any value on appraisal. Resolved. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 71400034 D A C | Closed | FCOM4001 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Proof of Appraisal Delivery or Signed Appraisal Delivery Waiver | Resolved-Received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. Hi,<br> Please see attached proof of appraisal delivery. <br> Thanks! - Buyer-REDACTED <br>Open- - Due Diligence Vendor-REDACTED |  | Resolved-Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 74781519 D A C | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-UCC term received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. UCC Term uploaded - Seller-REDACTED <br> Open-Property Title Issue Solar payment to REDACTED for REDACTED (page 49/422) and documents (page 333/422) is listed on title #6 (page 387/422) Per Credit report (pg 49/422), this lien has a balance of REDACTED, which was not included in original LTV and not paid off at closing. Proof of payoff or subordination or UCC Termination is required.<br> - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. UCC Term uploaded - Seller-REDACTED<br>| Resolved-UCC term received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 74781519 D A C | Closed | FCOM1262 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | Right of Rescission is Missing | Resolved-Right of Rescission is Provided - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. Disclosure uploaded - Seller-REDACTED <br>Open-Right of Rescission is Missing A Right of Rescission is required. However, no Right of Rescission was located in the file during review. The Right of Rescission missing. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Disclosure uploaded - Seller-REDACTED<br>| Resolved-Right of Rescission is Provided - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 72288367 D A | Closed | FCRE1146 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Partially Present | Resolved-Title Document is fully Present - Due Diligence Vendor-REDACTED <br>Resolved-FTP policy received with lenders coverage - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Title Document is incomplete or only partially present LENDER'S COVERAGE AMOUNT IS MISSING FROM PRELIM TITLE. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Title Document is fully Present - Due Diligence Vendor-REDACTED <br>Resolved-FTP policy received with lenders coverage - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 72288367 D A | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - Due Diligence Vendor-REDACTED <br> Resolved-UCC removed from FTP. Solar purchase power agreement received. Resolved. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-1. Financing statement - UCC lien filing on title to REDACTED - pg 160. Termination of UCC in file, but it is not recorded. Recorded UCC or updated title supplement required. <br> 2. There are two documents filed - REDACTED - REDACTED and REDACTED - REDACTED. Verification of solar panels being leased or purchased is required with copies of the lease, purchase power agreement, and/or purchase agreement. If leased, title must provide a supplement that confirms second lien position ahead of the UCC. The lease &/or purchase power payment must be included in DTI as required. If purchased, the balance must be added to CLTV, monthly payment must be added to DTI, and the UCC must be terminated or subordinated to a lien position behind this loan on title supplement. <br>- Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Property Title Issue Resolved - Due Diligence Vendor-REDACTED <br>Resolved-UCC removed from FTP. Solar purchase power agreement received. Resolved. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 72288367 D A | Closed | FCRE1161 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Missing Flood Certificate Flood cert is missing from file. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Flood Certificate is fully present - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 72288367 D A | Closed | FCRE1335 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-REDACTED <br>Resolved-Received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Borrower 1 IRS Transcripts Missing 2 YR FULL DOC LOAN, MISSING REDACTED AND REDACTED W2 TRANSCRIPTS. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-REDACTED <br>Resolved-Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 72288367 D A | Closed | FCOM5135 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 72721014 D B C A | Closed | FCRE1201 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED <br> Resolved-Received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Counter-A REDACTED report cannot be used in place of a fraud report for B2 & B3. A fraud report showing where both borrowers identity has been verified, checked against OFAC/exclusionary lists, etc. is required. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> Please see attached. I confirmed that this is what they use for their fraud report. <br> Thanks! - Buyer-REDACTED <br> Counter-B1 Fraud Report received. Fraud report needed for B2 & B3. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> Please see B1 Fraud Report.<br> Thanks! - Seller-REDACTED <br> Open-Missing Third Party Fraud Report FRAUD REPORT MISSING FOR ALL BORROWERS - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED <br>Ready for Review-Document Uploaded. Hi,<br> Please see B1 Fraud Report.<br> Thanks! - Seller-REDACTED<br>| Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED <br>Resolved-Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 72721014 D B C A | Closed | FCRE5782 | REDACTED | REDACTED | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Acknowledged-Exception in file to allow updated guideline requirement from guidelines dated REDACTED accepting gap credit within REDACTED days of note date vs REDACTED days. - Due Diligence Vendor-REDACTED <br> Ready for Review-Hi,<br> Please see the attached. We granted an exception to use the updated guidelines for 30 days. <br> Thanks! - Buyer-REDACTED <br> Counter-Gap credit report for B1 provided is more than 15 days from note date. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> Please see B1 Gap Credit.<br> Thanks! - Seller-REDACTED <br> Open-Borrower 1 Gap Credit Report is Missing Gap credit report is required for B1. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Hi,<br> Please see B1 Gap Credit.<br> Thanks! - Seller-REDACTED<br>| Acknowledged-Exception in file to allow updated guideline requirement from guidelines dated REDACTED accepting gap credit within REDACTED days of note date vs REDACTED days. - Due Diligence Vendor-REDACTED |  | LTV is REDACTED vs program max of REDACTED, DTI is REDACTED vs. REDACTED max - full doc, FICO is REDACTED vs. program minimum of REDACTED | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes |
| REDACTED |  | 72721014 D B C A | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Deed from closing provided, borrower ownership verified. Title with lender insurance coverage amount received. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> Please see title with proposed loan amount. Please also see the attached final deeds. There was a quitclaim executed.<br> Thanks! - Seller-REDACTED <br> Open-Property Title Issue Updated preliminary title or FTP needed - <br> 1. Lender's coverage amount is not listed on title in file. <br> 2. Vesting on title shows - REDACTED REDACTED, however grant deed in file page 180, shows REDACTED. The trust is not indicated on the grant deed. <br> - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Hi,<br> Please see title with proposed loan amount. Please also see the attached final deeds. There was a quitclaim executed.<br> Thanks! - Seller-REDACTED<br>| Resolved-Deed from closing provided, borrower ownership verified. Title with lender insurance coverage amount received. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 72721014 D B C A | Closed | finding-3631 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-COC received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> Please see the attached COC forms.<br> Thanks! - Buyer-REDACTED <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. A LENDER CREDIT WAS DISCLOSED ON THE REVISED LE IN THE AMOUNT OF REDACTED. THE LENDER CREDIT DECREASED TO REDACTED ON THE FINAL CD. NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE. - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED |  | Resolved-COC received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 72721014 D B C A | Closed | finding-3634 | REDACTED | REDACTED | Resolved | 1 - Information A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-COC received - Due Diligence Vendor-REDACTED <br> Rescinded-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 REDACTED.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). NO FLOOD CERTIFICATION WAS DISCLOSED ON THE INITIAL LE. A FLOOD CERTIFICATION FEE WAS DISCLOSED ON THE FINAL CD IN THE AMOUNT OF REDACTED. THE CREDIT REPORT FEE WAS DISCLOSED AS REDACTED ON THE INITIAL LE. THE CREDIT REPORT FEE INCREASED TO THE AMOUNT OF REDACTED ON THE FINAL CD. A LENDER CREDIT OF REDACTED WAS ISSUED ON THE FINAL CD TO CURE THE INCREASE. - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED |  | Resolved-COC received - Due Diligence Vendor-REDACTED <br> Rescinded-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 $59.00.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). NO FLOOD CERTIFICATION WAS DISCLOSED ON THE INITIAL LE. A FLOOD CERTIFICATION FEE WAS DISCLOSED ON THE FINAL CD IN THE AMOUNT OF REDACTED. THE CREDIT REPORT FEE WAS DISCLOSED AS REDACTED ON THE INITIAL LE. THE CREDIT REPORT FEE INCREASED TO THE AMOUNT OF REDACTEDON THE FINAL CD. A LENDER CREDIT OF REDACTED WAS ISSUED ON THE FINAL CD TO CURE THE INCREASE. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 72721014 D B C A | Closed | finding-3652 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-COC received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> Please see the attached COC forms.<br> Thanks! - Seller-REDACTED <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 (REDACTED) does not exceed or equal the comparable sum of specific and non-specific lender credits (REDACTED). 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). A LENDER CREDIT WAS DISCLOSED ON THE REVISED LE IN THE AMOUNT OF REDACTED. THE LENDER CREDIT DECREASED TO REDACTED ON THE FINAL CD. NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE. - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Hi,<br> Please see the attached COC forms.<br> Thanks! - Seller-REDACTED<br>| Resolved-COC received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 77401808 D B A | Closed | 123ABJ | REDACTED | REDACTED | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc | Missing VVOE dated within 10 days consummation | Acknowledged-VVOEs for B1 & B2 received. Dated after note & disbursement date. Acknowledged. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-verbal voes for b1 and b2 are dated REDACTED5 and Note/closing date is REDACTED. Updated VVOE's are required for both borrowers. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Acknowledged-VVOEs for B1 & B2 received. Dated after note & disbursement date. Acknowledged. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No |
| REDACTED |  | 77401808 D B A | Closed | FCOM5135 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved- - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>|  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 76073621 D A | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Property Title Issue - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Updated title uploaded- item was removed. - Buyer-REDACTED <br> Open-Property Title Issue Verification that all items listed under #11 - pg 176 - are removed and were paid at closing. <br>\*\*\*The following items requested on Title policy are missing in file page 177<br> i) REDACTED<br> ii) REDACTED<br> iii) REDACTED<br> iv) REDACTED - Due Diligence Vendor-REDACTED |  | Resolved-Property Title Issue - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 76073621 D A | Closed | FCRE1148 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien(s) Updated title received - all items removed - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Updated title uploaded reflecting REDACTED proposed insured coverage - Seller-REDACTED <br> Open-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien(s) Title Coverage Amount of REDACTEDis Less than Total Amount of Subject Lien of REDACTED - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Updated title uploaded reflecting REDACTED proposed insured coverage - Seller-REDACTED | Resolved-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien(s) Updated title received - all items removed - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 76073621 D A | Closed | FCRE1365 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 IRS Transcripts Missing | Resolved-Transcripts received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. B2 transcripts attached - Buyer-REDACTED <br>Open-Borrower 2 IRS Transcripts Missing - Missing W-2 Transcripts required for Wage/Salaried borrowers by guidelines - Due Diligence Vendor-REDACTED |  | Resolved-Transcripts received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 76073621 D A | Closed | FCRE1335 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Resolved-Transcripts received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. B1 transcripts attached - Buyer-REDACTED <br>Open-Borrower 1 IRS Transcripts Missing - Missing W-2 Transcripts required for Wage/Salaried borrowers by guidelines - Due Diligence Vendor-REDACTED |  | Resolved-Transcripts received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 77761611 A |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |
| REDACTED |  | 71484380 D B A C | Closed | FVAL3954 | REDACTED | REDACTED | Waived | 2 - Non-Material B | Property | Property | Property Damage | Waived-Allow cost to cure of REDACTED on as-is appraisal vs guideline max of REDACTED - Due Diligence Vendor-REDACTED |  | Waived-Allow cost to cure of REDACTED on as-is appraisal vs guideline max of REDACTED - Due Diligence Vendor-REDACTED |  | CLTV of REDACTED vs. program max of REDACTED, Full doc DTI of REDACTED, REDACTEDFICO vs. REDACTED minimum | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | Originator Pre-Close | Yes |
| REDACTED |  | 71484380 D B A C | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved- - Due Diligence Vendor-REDACTED <br> Ready for Review-See item on title "said assessments are collected with general and special taxes" this is payable in the tax bill. - Buyer-REDACTED <br> Open-Verification item on title is not a lien & has no impact on property/title - Schedule B, #3 - page 136 - REDACTED. - Due Diligence Vendor-REDACTED |  |  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 71484380 D B A C | Closed | finding-47 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. Final CD with updated closing dates attached - Buyer-REDACTED <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. THE DATE OF DISBURSEMENT FROM THE FINAL CD WAS REDACTED. THE BORROWER CHANGED AND INITIALIZED THE DATES ON THE NOTICE OF THE RIGHT TO CANCEL TO REFLECT THE LAST DAY TO CANCEL AS 0REDACTED WHICH WAS THE SAME DAY AS DISBURSEMENT. - Due Diligence Vendor-REDACTED <br>Open- - Due Diligence Vendor-REDACTED |  | Resolved-PCCD received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 71484380 D B A C | Closed | FCRE2109 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Resolved - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. UW response attached- not required. - Buyer-REDACTED <br>Open- - Due Diligence Vendor-REDACTED |  | Resolved-Resolved - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 78110574 C A | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved- - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. Hi,<br> Please see attached from title. they reviewed and approved the trust, and indicated that a trust cert was not required.<br> Thanks! - Buyer-REDACTED <br>Open-Property Title Issue TITLE IS VESTED IN TRUST. TRUST CERT FROM TITLE COMPANY IS MISSING. - Due Diligence Vendor-REDACTED |  |  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 78447631 A |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other |  |  |
| REDACTED |  | 71972044 C A | Closed | finding-555 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | Points & Fees | MD Credit Regulations Covered Loan Points and Fees Threshold Test | Resolved-REDACTED points & fees max is REDACTED. Lender charged REDACTED. PCCD received. Lender refunded difference of REDACTED. Resolved. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> Please see the attached PCCD, LOX, Check Copy and Tracking number. <br> Thanks! - Buyer-REDACTED <br> Open-This loan failed the points and fees threshold test due to one of the following findings: (REDACTED HB 649 , REDACTED. REDACTED(a)(2))The latest available closing date (or date creditor received application) is on or after 6/24/2003 and the date creditor received application is before 1/10/2014, and the total points and fees, as defined in HOEPA (Section 32), payable by the consumer at or before loan closing exceed the greater of 7% of the total loan amount, as defined in HOEPA (Section 32), or REDACTED; orThe date creditor received application is on or after 1/10/2014, and either:The loan amount is REDACTED or more, and the transaction's total points and fees is REDACTED, which exceeds 4 percent of the total loan amount of REDACTED; orThe loan amount is less than REDACTED and the transaction's total points and fees is REDACTED, which exceeds the lesser of 7 percent of the total loan amount of REDACTED or REDACTED. - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED |  | Resolved-REDACTED points & fees max is REDACTED Lender charged REDACTED. PCCD received. Lender refunded difference of REDACTED. Resolved. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 71972044 C A | Closed | FCOM3715 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | Disclosure | Note terms are incorrect | Resolved- - Due Diligence Vendor-REDACTED <br> Ready for Review-Hi,<br> Please see attached correct note. Section 4 on page 1 lists the correct grace period of REDACTED days. <br> Thanks! - Buyer-REDACTED <br> Open-REDACTED grace period is required to be at least REDACTED days - (REDACTED)<br> - Due Diligence Vendor-REDACTED |  |  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 71972044 C A | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Title coverage for lender received - resolved - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> Please see attached final title. <br> Thanks! - Buyer-REDACTED <br> Open-Property Title Issue Title to be updated to reflect lender's coverage of at least REDACTED - Due Diligence Vendor-REDACTED |  | Resolved-Title coverage for lender received - resolved - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 79283852 D A C | Closed | FCRE1316 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. FVOE since the work # is within 10 business days of the Note datedREDACTED no need to document with additional VOE - Seller-REDACTED <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Employment verification in file is 12 days from note date (pg 193) - VVOE must be within 10 days of note date. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. FVOE since the work # is within 10 business days of the Note dated REDACTED no need to document with additional VOE - Seller-REDACTED | Resolved-. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 79283852 D A C | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Property Title Issue - Due Diligence Vendor-REDACTED <br>Resolved-Property Title Issue - ALTA prelim policy received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Property Title Issue Title in file is an O&E report only (pg 265). Title insurance reflecting lenders coverage is required. ALTA, Jr. ALTA. ALTA Lite, And ALTA Short Form Lender's Policies are acceptable title insurance types. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Property Title Issue - Due Diligence Vendor-REDACTED <br>Resolved-Property Title Issue - ALTA prelim policy received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 79283852 D A C | Closed | finding-3631 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-COC received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Coc attached - Seller-REDACTED <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. POINTS WERE DISCLOSED AS REDACTED ON THE INITIAL LE. POINTS INCREASED TO REDACTED ON THE FINAL CD. NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE. - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Coc attached - Seller-REDACTED<br>| Resolved-COC received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 79283852 D A C | Closed | finding-3634 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-COC received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. coc attached - Seller-REDACTED <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 REDACTED .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). POINTS WERE DISCLOSED AS REDACTED ON THE INITIAL LE. POINTS INCREASED TO REDACTED ON THE FINAL CD. NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE. - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. coc attached - Seller-REDACTED<br>| Resolved-COC received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 79283852 D A C | Closed | FCRE1201 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED <br>Resolved-Received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. fraud report attached - Seller-REDACTED <br>Open-Missing Third Party Fraud Report FRAUD REPORT IS MISSING - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. fraud report attached - Seller-REDACTED<br>| Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED <br>Resolved-Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 79283852 D A C | Closed | FCRE9000 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Mortgage Statement | Resolved-Resolved - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Please see CD for the closing of this file – REDACTED –both loans closed at the same time and went to the same investor<br>- Seller-REDACTED <br> Open-Missing first mortgage statement dated within 60 days of note date. INVESTMENT PROPERTY LOCATED AT REDACTEDHAS A SECOND LIEN WITH REDACTED PER THE 1003. FILE IS MISSING PROOF OF MONTHLY PAYMENT AND CURRENT BALANCE. ALSO NOT ON CREDIT REPORT. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Please see CD for the closing of this file – REDACTED –both loans closed at the same time and went to the same investor<br>- Seller-REDACTED | Resolved-Resolved - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 79283852 D A C | Closed | FCRE4001 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing 1008/UW Approval Document | Resolved-Received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. 1008 attached - Seller-REDACTED <br>Open-Missing 10REDACTED | Ready for Review-Document Uploaded. 1008 attached - Seller-REDACTED<br>| Resolved-Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 78643269 D A C | Closed | FCRE5116 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Counter-Second mortgage on primary residence verified with CD from closing. The item needed is the VOM/first mortgage statement on this property. TItle shows the first mortgage is held by REDACTED. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Please clarify if you can why this condition cannot be waived. There is no mortgage statement for REDACTED as we closed both loans at the same time—I already gave the final CD reflecting the mortgage payment PLUS the date it closed. It is attached herewith again .... At the time of closing there was no mortgage stmt if the CD isn't sufficient, I'm not sure why? Can we please clear this one? Thank you so much - Seller-REDACTED <br> Counter-Items needed - Missing first mortgage statement for subject property. Additionally, missing documentation to verify second mortgage for borrower's primary residence - REDACTED REDACTEDs - $REDACTED monthly page 262. TPR has to have all documentation in file regardless of investor. - Due Diligence Vendor-REDACTED <br> Ready for Review-! I already gave the 401k statement and removed the loan as I did not initially have the statement. We don't need to hit the borrower with the 401k loan as the borrower is vested<br> Also There is No mortgage statement for the New REDACTED loan on the borrower's other property as these loans closed at the same time. REDACTED should be able to go into their own system and see this. Please Lmk me know if waives the conditions Below. Please advise if you need anything else from me that I can provide Thanks so much!<br>- Seller-REDACTED <br> Counter-401k loan is received, however items still needed are: Missing first mortgage statement for subject property. Additionally, missing documentation to verify second mortgage for borrower's primary residence - REDACTED REDACTED monthly page 262. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. The Final 1003 reflects monthly payment of REDACTED for 401k loan paid by borrower and on borrower's paystubs. Missing documentation showing the loan details to determine amount borrowed and final payment date. page 331<br> ^^^Note, the only reason the payment was added, as I didn't have this statement. The statement show the borrowers vesting balance is more than the balance of the loan. Borrower borrowed his own funds<br>- Seller-REDACTED <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing first mortgage statement for subject property. Additionally, missing documentation to verify second mortgage for borrower's primary residence - REDACTED REDACTED - REDACTED monthly page 262. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED <br> Ready for Review-Document Uploaded. Please clarify if you can why this condition cannot be waived. There is no mortgage statement for REDACTED as we closed both loans at the same time—I already gave the final CD reflecting the mortgage payment PLUS the date it closed. It is attached herewith again .... At the time of closing there was no mortgage stmt if the CD isn't sufficient, I'm not sure why? Can we please clear this one? Thank you so much - Seller-REDACTED <br> Ready for Review- I already gave the 401k statement and removed the loan as I did not initially have the statement. We don't need to hit the borrower with the 401k loan as the borrower is vested<br> Also There is No mortgage statement for the New REDACTED loan on the borrower's other property as these loans closed at the same time. REDACTED should be able to go into their own system and see this. Please Lmk me know if waives the conditions Below. Please advise if you need anything else from me that I can provide Thanks so much!<br>- Seller-REDACTED <br> Ready for Review-Document Uploaded. The Final 1003 reflects monthly payment of REDACTED for 401k loan paid by borrower and on borrower's paystubs. Missing documentation showing the loan details to determine amount borrowed and final payment date. page 331<br> ^^^Note, the only reason the payment was added, as I didn't have this statement. The statement show the borrowers vesting balance is more than the balance of the loan. Borrower borrowed his own funds<br>- Seller-REDACTED | Resolved-Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 78643269 D A C | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Full ALTA title policy received - Due Diligence Vendor-REDACTED <br>Resolved-Property Title Issue Resolved - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. Title all info attached full title - Seller-REDACTED <br>Open-Title in file is O&E only. Full title commitment with lenders coverage - ALTA policy is required.(pg 243) - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Title all info attached full title - Seller-REDACTED<br>| Resolved-Full ALTA title policy received - Due Diligence Vendor-REDACTED <br>Resolved-Property Title Issue Resolved - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 78643269 D A C | Closed | FCRE8611 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Resolved - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Attached, please see the 401k statement<br> The Only reason why I hit the borrower with the payment was due to I didn't have the statement<br> The statement shows the borrower is vested with more than the loan balance, so there is No need to hit the borrower with it as it's his own monies he borrowed from.<br> - Seller-REDACTED <br> Open-Final 1003 reflects monthly payment of REDACTED for 401k loan paid by borrower and on borrower's paystubs. Missing documentation showing the loan details to determine amount borrowed and final payment date. page 331 - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Attached, please see the 401k statement<br> The Only reason why I hit the borrower with the payment was due to I didn't have the statement<br> The statement shows the borrower is vested with more than the loan balance, so there is No need to hit the borrower with it as it's his own monies he borrowed from.<br> - Seller-REDACTED<br>| Resolved-Resolved - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 78643269 D A C | Closed | FCRE1728 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing rent comparable schedule form 1007 | Resolved-Full payment in DTI - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. 1. See CD for the refinance of borrowers own occupied property WHICH ALSO shows the payoff of the debts that were excluded….so ratios are correct I could'nt upload to other condition ty!<br> 2. No rental income is being used for qualifying and so no income docs need to be supplied<br> - Seller-REDACTED <br>Open-Subject property is for investment purposes and lender provided an AVM for valuation, however, the loan file is missing documentation to verify rent on the property. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. 1. See CD for the refinance of borrowers own occupied property WHICH ALSO shows the payoff of the debts that were excluded….so ratios are correct I could'nt upload to other condition ty!<br> 2. No rental income is being used for qualifying and so no income docs need to be supplied<br> - Seller-REDACTED<br>| Resolved-Full payment in DTI - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 78643269 D A C | Closed | FVAL1628 | REDACTED | REDACTED | Resolved | 1 - Information C A | Property | Property | No HOA fees on appraisal and property identified as a PUD | Resolved-Resolved - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. HOA dues on subject (was already in the file) - Seller-REDACTED <br>Open-Missing documentation for monthly HOA dues or letter of explanation if no HOA dues apply. Subject property is a PUD and AVM was provided. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. HOA dues on subject (was already in the file) - Seller-REDACTED<br>| Resolved-Resolved - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 78643269 D A C | Closed | FCRE1193 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-DTI resolved - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Audited DTI of REDACTED% exceeds Guidelines DTI of REDACTED%. The subject property is an investment property and the loan file is missing documentation to verify rent on the property to calculate subject property net rental income. Audit used full PITIA of the property to calculate DTI. The DTI is subject to recalculation upon receipt of required document. 1008 listed REDACTED in all other monthly payments. TPR calculated all other monthly payments based on final 1003 and credit report liabilities of REDACTED. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-DTI resolved - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 78643269 D A C | Closed | FCRE1201 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED <br>Resolved-Received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. Fraud Guard attached - Seller-REDACTED <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Fraud Guard attached - Seller-REDACTED<br>| Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED <br>Resolved-Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 78643269 D A C | Closed | FCOM1233 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Updated 1003 attached - Seller-REDACTED <br> Open-The Final 1003 is Incomplete Section 5: Declarations - REDACTED- Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Updated 1003 attached - Seller-REDACTED<br>| Resolved-Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 78374978 D B A | Closed | FCOM1221 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-Quit claim deed matching the DOT vesting received. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi Team,<br> Please see the attached quitclaim deed.<br> Thanks! - Buyer-REDACTED <br> Open-Deed of Trust vesting does not match vesting on title. Title shows property is vested as REDACTED. DOT shows REDACTED. - Due Diligence Vendor-REDACTED |  | Resolved-Quit claim deed matching the DOT vesting received. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 78374978 D B A | Closed | FCRE1441 | REDACTED | REDACTED | Waived | 2 - Non-Material B | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Waived-Delinquent Credit History Does Not Meet Guideline Requirements Exception to allow charge off with REDACTED with a balance of REDACTED to be paid off through loan vs. program restriction of no derogatory credit for REDACTED program. - Due Diligence Vendor-REDACTED |  | Waived-Delinquent Credit History Does Not Meet Guideline Requirements Exception to allow charge off with REDACTED with a balance of REDACTED to be paid off through loan vs. program restriction of no derogatory credit for REDACTED. - Due Diligence Vendor-REDACTED |  | DTI of REDACTED vs. REDACTED max, B1 mortgage history is REDACTED, FICO REDACTED points above program minimum, B1 with current employer over REDACTED years | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes |
| REDACTED |  | 78977948 D B A C | Closed | FCRE5116 | REDACTED | REDACTED | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc | Missing VOM or VOR | Acknowledged-Mortgage statement within 60 days of note date received after closing/disbursement. Acknowledged. - Due Diligence Vendor-REDACTED<br> Acknowledged-Mortgage stmt is 2 days over 60 days old. Acknowledged. - Due Diligence Vendor-REDACTED <br> Counter-Note date is REDACTED. Mortgage stmt uploaded matches stmt in file dated REDACTED. First mortgage statement within 60 days of note date is required. Statement in file (pg 104) is over 60 days from note date. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-First mortgage statement within 60 days of note date is required. Statement in file (pg 104) is over 60 days from note date. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Acknowledged-Mortgage statement within 60 days of note date received after closing/disbursement. Acknowledged. - Due Diligence Vendor-10/REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No |
| REDACTED |  | 78977948 D B A C | Closed | FPRO1253 | REDACTED | REDACTED | Resolved | 1 - Information C A | Property | Data | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Exterior PCI received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Counter-AVM received. Property Inspection required with AVM is not in file. - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Property Inspection required with AVM is not in file. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Exterior PCI received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 78977948 D B A C | Closed | FCRE1365 | REDACTED | REDACTED | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc | Borrower 2 IRS Transcripts Missing | Acknowledged-Transcripts received, ordered after note/disbursement date. - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Borrower 2 IRS Transcripts Missing Missing W2 transcripts required for salaried/wage earners - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Acknowledged-Transcripts received, ordered after note/disbursement date. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No |
| REDACTED |  | 78977948 D B A C | Closed | FCRE1335 | REDACTED | REDACTED | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Acknowledged-Transcripts received, ordered after note/disbursement date. - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Borrower 1 IRS Transcripts Missing Missing W2 transcripts required for salaried/wage earners - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Acknowledged-Transcripts received, ordered after note/disbursement date. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No |
| REDACTED |  | 78977948 D B A C | Closed | FCRE1316 | REDACTED | REDACTED | 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-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 78977948 D B A C | Closed | FCRE1347 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Borrower 2 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 77458352 D B A | Closed | FCRE1328 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 W2/1099 Missing | Resolved-Resolved - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. Hi,<br> Please see attached. We used a written VOE in lieu of.<br> Thanks! - Buyer-REDACTED <br>Open-Borrower 1 W2/1099 Missing - Due Diligence Vendor-REDACTED |  | Resolved-Resolved - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 77458352 D B A | Closed | FCRE0360 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-REDACTED <br> Resolved-Mtg stmt dated REDACTED is within 60 days. Resolved. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> Please see updated statement from REDACTED.<br> Thanks! - Buyer-REDACTED <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. - Mortgage statement dated REDACTED) allowed by guidelines page 112, 603 - Due Diligence Vendor-REDACTED |  | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-REDACTED <br> Resolved-Mtg stmt dated REDACTED is within 60 days. Resolved. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 77458352 D B A | Closed | FCRE1440 | REDACTED | REDACTED | Acknowledged | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Acknowledged-Housing History Does Not Meet Guideline Requirements - Borrower has no primary housing expense which does not meet guidelines requirement for investment property transaction, however, lender provided guidelines exception approval with the following compensating factors: page 3,104,105 - Due Diligence Vendor-REDACTED |  | Acknowledged-Housing History Does Not Meet Guideline Requirements - Borrower has no primary housing expense which does not meet guidelines requirement for investment property transaction, however, lender provided guidelines exception approval with the following compensating factors: page 3,104,105 - Due Diligence Vendor-REDACTED<br>|  | LTV is REDACTED, REDACTED < program maximum of REDACTED%<br> REDACTED DTI. Borrower lives rent free, rental income on subject property off-sets 1st mtg PITIA and new REDACTED P&I to a positive amount as we are paying off debt into the new off-set 2nd payment<br> Borrower has owned and rented out subject since REDACTED as an experienced investor for the past REDACTED years | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Investment | Refinance | Cash Out - Debt Consolidation | Originator Pre-Close | Yes |
| REDACTED |  | 74547625 C A | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Deed recorded at closing to add B2 to ownership. Resolved. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Property Title Issue Title vesting shows to REDACTED. DOT shows REDACTED. Was there a new deed recorded at closing to add B2 as owner? Copy of deed or updated title insurance needed. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Deed recorded at closing to add REDACTEDto ownership. Resolved. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 74547625 C A | Closed | FCRE8611 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Income worksheets received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-INCOME CALCULATION WORKSHEETS ARE REQUIRED FOR BOTH BORROWERS. 1008 NOTES DO NOT SHOW CALCULATIONS. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Income worksheets received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 71545298 D B A | Closed | FCRE1335 | REDACTED | REDACTED | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Acknowledged-Transcripts ordered after note/disbursement date. Transcripts received. Acknowledged. - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. Transcripts uploaded - Seller-REDACTED <br>Open-Borrower 1 IRS Transcripts Missing Missing borrower W2 Wage Transcripts - 2 years - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Transcripts uploaded - Seller-REDACTED<br>| Acknowledged-Transcripts ordered after note/disbursement date. Transcripts received. Acknowledged. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No |
| REDACTED |  | 71545298 D B A | Closed | FCOM1221 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-Resolved - recorded REDACTED Anti-Predatory Lending Database Program Certificate of Compliance received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Deed and recorded REDACTED Cert uploaded - Seller-REDACTED <br> Counter-Housing Counseling Decision Report received which isn't the recorded Anti-Predatory Certificate required This certificate should be attainable from the title company that recorded the DOT. Missing the recorded REDACTED Anti-Predatory Lending Database Program Certificate of Compliance with recorded Deed of Trust as required for REDACTED. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Document uploaded - Seller-REDACTED <br> Open-Missing the recorded REDACTED Anti-Predatory Lending Database Program Certificate of Compliance with recorded Deed of Trust as required for REDACTED. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Deed and recorded REDACTEDCert uploaded - Seller-REDACTED <br> Ready for Review-Document Uploaded. Document uploaded - Seller-REDACTED | Resolved-Resolved - recorded REDACTED Anti-Predatory Lending Database Program Certificate of Compliance received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 71545298 D B A | Closed | FCRE5782 | REDACTED | REDACTED | 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-REDACTED <br>Ready for Review-Document Uploaded. Document uploaded - Seller-REDACTED <br>Open-Borrower 1 Gap Credit Report is Missing Missing gap credit report. Credit supplement on page 95/310 is mortgage only. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Document uploaded - Seller-REDACTED<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 71545298 D B A | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Updated title received. Resolved. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Title uploaded with REDACTED mortgage removed. You can see on the credit refresh uploaded that it has been paid off. - Seller-REDACTED <br> Open-Property Title Issue There are 2 Titles provided on page 281 and 290. The one on page 290 indicates there is a Mortgage lien on the property in favor of REDACTED in the amount of REDACTED filed on REDACTED. There is no indication that this has been removed and/or being paid off. Final Title Policy confirming this lien is removed is required. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Title uploaded with REDACTED removed. You can see on the credit refresh uploaded that it has been paid off. - Seller-REDACTED | Resolved-Updated title received. Resolved. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 73369811 A |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other |  |  |
| REDACTED |  | 73603971 A |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other |  |  |
| REDACTED |  | 75532257 D A C | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-FTP received - Due Diligence Vendor-REDACTED <br>Resolved-FTP received with lenders coverage amount. No remaining judgments or past due taxes on title. Resolved. - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Property Title Issue - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-FTP received - Due Diligence Vendor-REDACTED <br>Resolved-FTP received with lenders coverage amount. No remaining judgments or past due taxes on title. Resolved. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 75532257 D A C | Closed | FCOM5135 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Received/resolved - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Received/resolved - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 73932871 D A C | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Verification both liens - #2 7 & 8 on title for REDACTED - are paid in full and removed from title. Updated title supplement with lenders coverage & liens removed required. (Not paid off on final CD.) - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Property Title Issue Resolved - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 73932871 D A C | Closed | FCRE1148 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien(s) - Due Diligence Vendor-REDACTED <br> Resolved-Lenders coverage received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Title Coverage Amount of $0 is Less than Total Amount of Subject Lien(s) There is no Policy amount provided on the Title. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Title Coverage Amount of $400000 is Less than Total Amount of Subject Lien(s) - Due Diligence Vendor-REDACTED <br>Resolved-Lenders coverage received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 73932871 D A C | Closed | FCOM5135 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 75180451 D A | Closed | FCRE1316 | REDACTED | REDACTED | 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-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 75180451 D A | Closed | FCRE1201 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED <br>Resolved-Fraud report received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. Fraud Guard attached - Seller-REDACTED <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Fraud Guard attached - Seller-REDACTED<br>| Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED <br>Resolved-Fraud report received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 75941349 D A C | Closed | FCOM1544 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Final CD dated 8/4/REDACTED and disclosure tracking received. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> Please see the attached response from the seller. <br> Thanks! - Buyer-REDACTED <br> Counter-The PCCD dated issued on REDACTED with closing on REDACTED was received and was in the file. The final CD issued on/prior to closing on REDACTED is needed. The initial CD showing closing on REDACTED is in file. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> Please see attached final CD.<br> Thanks! - Buyer-REDACTED <br> Open-TRID: Missing Final Closing Disclosure MISSING THE FINAL CD - Due Diligence Vendor-REDACTED |  | Resolved-Final CD dated REDACTED and disclosure tracking received. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 75941349 D A C | Closed | FCRE8946 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Income/Employment | Income documentation expiration dates | Resolved-Finding was based on worked dates, not advice date. Resolved. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> Please see the attached date calculator. We are at exactly REDACTED days.<br> Thanks! - Buyer-REDACTED <br> Open-Paystubs are greater than 60 days from note date. Updated paystubs within 60 days of note date needed. - Due Diligence Vendor-REDACTED |  | Resolved-Finding was based on worked dates, not advice date. Resolved. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 72119285 D A | Closed | FCRE1316 | REDACTED | REDACTED | 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-REDACTED <br> Ready for Review-Document Uploaded. FVOE attached - Seller-REDACTED <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing VVOE within 10 days of Note date of REDACTED - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. FVOE attached - Seller-REDACTED<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 72119285 D A | Closed | FCRE5047 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Amount of title insurance is less than mortgage amount | Resolved-FTP with lenders coverage amount received. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Final Title Policy attached for REDACTED - Seller-REDACTED <br> Open-Lenders title coverage does not cover loan amount, supplement or FTP needed - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Final Title Policy attached for REDACTED - Seller-REDACTED | Resolved-FTP with lenders coverage amount received. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 72119285 D A | Closed | FCRE1201 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. Fraud Guard Attached - Seller-REDACTED <br>Open-Missing Third Party Fraud Report FRAUD REPORT IS MISSING FROM FILE - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Fraud Guard Attached - Seller-REDACTED<br>| Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 70771170 D A | Closed | FCRE4001 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing 1008/UW Approval Document | Resolved-Updated 1008 received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Counter-This 1008 does not reflect the most recent income calcs or ratios. The 1008 reflecting B1 income of REDACTED & B2 of REDACTED with updated ratios is what is needed. Those are the amounts on the most recent bank statement income worksheets which include REDACTED REDACTED. - Due Diligence Vendor-REDACTED <br> Counter-Updated 1008 with corrected income as per bank stmt worksheets and updated ratios required. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Missing 1008/UW Approval Document Updated 1008 with corrected income as per bank stmt worksheets and updated ratios required. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Updated 1008 received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 70771170 D A | Closed | FCRE1437 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Document Uploaded. - Due Diligence Vendor-REDACTED <br> Resolved-B1 & B2 12 months of bank statements within 60 days of note date are in file. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Counter-B1 - REDACTED - Income Worksheet updated, matches stmts in file. Still needed: B2 (REDACTED) income worksheet updated to within 60 days of note date. Stmts in file for REDACTED, REDACTED, REDACTED. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Bank Statements provided as correct, UW has updated the Income Worksheet. The previous one was outdated. Please help review and consider. - Seller-REDACTED <br> Open-Income and Employment Do Not Meet Guidelines `Borrower 1 & 2 are self employed and qualified using 12 month bank statements dated REDACTED from their individual businesses (REDACTED). however, the age of income documentation being REDACTED days from Note exceeds Guidelines' allowed 60 days. Additionally, the loan file is missing REDACTED bank statement for B1 - REDACTED. page 1-138 - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED <br>Ready for Review-Document Uploaded. Bank Statements provided as correct, UW has updated the Income Worksheet. The previous one was outdated. Please help review and consider. - Seller-REDACTED<br>| Resolved-Document Uploaded. - Due Diligence Vendor-REDACTED <br>Resolved-B1 & B2 12 months of bank statements within 60 days of note date are in file. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 70771170 D A | Closed | FCOM5135 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved- - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>|  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 73290603 D A C | Closed | FCOM1227 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | PUD Rider is Missing | Resolved-Received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-PUD Rider is Missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 73290603 D A C | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Final settlement from UWM received. Resolved. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Title does not show the REDACTED lien, however, VOM in file indicates it is on subject property. Final CD from REDACTED closing required to verify REDACTED Lien was paid in full. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Final settlement from REDACTED received. Resolved. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 71697524 A |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other |  |  |
| REDACTED |  | 75029349 D B A | Closed | FCRE8201 | REDACTED | REDACTED | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-LTV is REDACTED% vs. program max of REDACTED%, FICO REDACTED vs. program min of REDACTED, borrower in same line of work for REDACTED years - Due Diligence Vendor-REDACTED |  | Waived-LTV is REDACTED% vs. program max of REDACTED%, FICO REDACTED vs. program min of REDACTED, borrower in same line of work for REDACTED years - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | Originator Pre-Close | Yes |
| REDACTED |  | 75029349 D B A | Closed | FCRE3653 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-Resolved - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> Please see attached LOE from the UW. Please also note that the license was issued prior to the borrower moving into the current address. Please clear the condition.<br> Thanks! - Buyer-REDACTED <br> Open-missing explanation for address variances. Mortgage statement shows address of REDACTED - Due Diligence Vendor-REDACTED |  | Resolved-Resolved - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 74849461 D B A | Closed | finding-47 | REDACTED | REDACTED | Acknowledged | 2 - Non-Material C B | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Right of Rescission is Provided. Per 12 CFR 1026.23(a) the borrower signed a new (corrected) Notice of Right to Cancel restarting the rescission period. Acknowledged - Due Diligence Vendor-REDACTED <br> Acknowledged- - Due Diligence Vendor-REDACTED <br> Escalated-pending compliance review - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <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. THIS IS A REDACTED. THE CLOSING DATE WAS REDACTED AND THE DISBURSMENT DATE WAS REDACTED. THE NOTICE OF THE RIGHT TO CANCEL DATE WAS NOT WRITTEN ON THE NOTICE OF THE RIGHT TO CANCEL FORM. THIS LENDER EXCLUDES REDACTED AS A BUSINESS DAY SO THE LAST DATE TO CANCEL WOULD HAVE BEEN REDACTED. - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Right of Rescission is Provided. Per 12 CFR 1026.23(a) the borrower signed a new (corrected) Notice of Right to Cancel restarting the rescission period. Acknowledged - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | Originator Post-Close | No |
| REDACTED |  | 74849461 D B A | Closed | FCOM1263 | REDACTED | REDACTED | Acknowledged | 2 - Non-Material D B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged- - Due Diligence Vendor-REDACTED <br>Resolved-Right of Rescission is Provided. Per 12 CFR 1026.23(a) the borrower signed a new (corrected) Notice of Right to Cancel restarting the rescission period. Acknowledged. - Due Diligence Vendor-REDACTED <br>Escalated-pending compliance review - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Right of Rescission/Right to Cancel - pgs 289 & 290 are missing the right to cancel date. Corrected copies with borrower initials and date required. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Right of Rescission is Provided. Per 12 CFR 1026.23(a) the borrower signed a new (corrected) Notice of Right to Cancel restarting the rescission period. Acknowledged. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | Originator Post-Close | No |
| REDACTED |  | 74849461 D B A | Closed | FCRE1335 | REDACTED | REDACTED | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Acknowledged-Transcripts received dated after note/disbursement date. Acknowleged. - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Borrower 1 IRS Transcripts Missing 2 YRS W2 TRANSCRIPTS FOR REDACTED AND REDACTED ARE REQUIRED - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Acknowledged-Transcripts received dated after note/disbursement date. Acknowleged. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | Originator Post-Close | No |
| REDACTED |  | 74849461 D B A | Closed | FCRE3978 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Resolved-Received - Due Diligence Vendor-REDACTED <br> Open-1. REDACTED was paid on CD for REDACTED this account is not reflected on the credit report. Provide documentation of balance and proof payments were paid as agreed. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 74849461 D B A | Closed | FCRE5782 | REDACTED | REDACTED | 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-REDACTED <br>Resolved-UDM received - Due Diligence Vendor-REDACTED <br>Ready for Review-UDM - Seller-REDACTED <br>Open-Borrower 1 Gap Credit Report is Missing. DTI to be reverified with gap credit when received. - Due Diligence Vendor-REDACTED | Ready for Review-UDM - Seller-REDACTED<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED <br>Resolved-UDM received - Due Diligence Vendor-REDACTED<br>|  | REDACTED | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 74849461 D B A | Closed | FCRE1157 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Missing Hazard Insurance Policy HOI provided is the application only (pg 81). Actual declarations page required showing coverage was issued from the application in file. Second mortgagee lien holder is also missing from application in file as it is from REDACTED. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 72444743 D A C | Closed | FCRE1316 | REDACTED | REDACTED | 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-REDACTED <br>Resolved-Received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. VOE uploaded - Buyer-REDACTED <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-REDACTED |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-REDACTED <br>Resolved-Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 72444743 D A C | Closed | FCRE1347 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-REDACTED <br>Resolved-Received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. VOE uploaded - Seller-REDACTED <br>Open-Borrower 2 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. VOE uploaded - Seller-REDACTED<br>| Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-REDACTED <br>Resolved-Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 72444743 D A C | Closed | finding-3635 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Corrected with PCCD - Resolved - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Curative PCCD uploaded - Buyer-REDACTED <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% (REDACTED) exceed the comparable charges (REDACTED) 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). THE TITLE - SUB ESCROW FEE AND TITLE COURIER FEE WERE ADDED INTO SECTION C ON THE INITIAL CLOSING DISCLOSURE, ALL TITLE FEES MOVED INTO SECTION B ON THE FINAL CLOSING DISCLSOURE SUBJECT TO THE 10% WITHOUT A VALID CHANGE OF CIRCUMSTANCE CAUSING THE 10% VIOLATION OF REDACTED. TOLERANCE TO CURE $REDACTED - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED |  | Resolved-Corrected with PCCD - Resolved - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 72444743 D A C | Closed | finding-3631 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Corrected with PCCD - Resolved - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<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. THE TITLE - SUB ESCROW FEE AND TITLE COURIER FEE WERE ADDED INTO SECTION C ON THE INITIAL CLOSING DISCLOSURE, ALL TITLE FEES MOVED INTO SECTION B ON THE FINAL CLOSING DISCLSOURE SUBJECT TO THE 10% WITHOUT A VALID CHANGE OF CIRCUMSTANCE CAUSING THE 10% VIOLATION OF REDACTED. TOLERANCE TO CURE $REDACTED - Due Diligence Vendor-REDACTED<br> Open- - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Corrected with PCCD - Resolved - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 75709787 D A C | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Resolved - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Hi,<br> Please see the attached updated title. that item has been deleted.<br> Thanks! - Buyer-REDACTED <br> Open-Property Title Issue Title (pg 319) #6 indicates a mortgage dated REDACTED in the amount of $REDACTED remains open and on title. Verification this has been satisfied and will not remain on title is required. - Due Diligence Vendor-REDACTED |  | Resolved-Resolved - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 75709787 D A C | Closed | FCOM1477 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved- - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Hi,<br> Please see attached rate lock.<br> Thanks! - Buyer-REDACTED <br> Open-Evidence of Rate Lock Missing - Due Diligence Vendor-REDACTED |  |  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 72330412 D A | Closed | FCRE2109 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open- - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 72330412 D A | Closed | FCRE1193 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Payment is based on energy produced only, resolved. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. This is a utility, borrower is purchasing the power and you do not add solar PPA's to the ratios. Please clear. Thank you!<br> - Seller-REDACTED<br> Open-SOLAR PANEL LEASE WAS OMITTED FROM DEBT. LEASE ON PG 555 SHOWS $REDACTED FOR 1ST 12 MONTHS. DATE OF LEASE AGREEMENT IS REDACTED. DTI IS REDACTED% - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. This is a utility, borrower is purchasing the power and you do not add solar PPA's to the ratios. Please clear. Thank you!<br> - Seller-REDACTED | Resolved-Payment is based on energy produced only, resolved. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 76518819 D B A C | Closed | FCRE8201 | REDACTED | REDACTED | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Primary Value Valuation Neighborhood Location Not Allowed for Program Subject property is in a REDACTED per appraisal report. Per guidelines, REDACTED properties are ineligible properties, however, lender provided an exception approval allowing to approve the loan based on the following compensating factors: page 434, Investor approval in file, page 431 - Due Diligence Vendor-REDACTED<br> Open- - Due Diligence Vendor-REDACTED | - Stellar credit history<br> - Employment history is REDACTED with current employment <br> - Residual income exceeds minimum<br> - REDACTED<br>| Waived-Primary Value Valuation Neighborhood Location Not Allowed for Program Subject property is in a REDACTED per appraisal report. Per guidelines, REDACTED properties are ineligible properties, however, lender provided an exception approval allowing to approve the loan based on the following compensating factors: page 434, Investor approval in file, page 431 - Due Diligence Vendor-REDACTED |  | Excellent credit history, REDACTED years with same employer, excellent residual income | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | Originator Pre-Close | Yes |
| REDACTED |  | 76518819 D B A C | Closed | FVAL9739 | REDACTED | REDACTED | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-Complete appraisal received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-The submitted appraisal report is incomplete as the top and bottom pages lack essential details. A full and accurate report is necessary. page 9 - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Complete appraisal received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 76518819 D B A C | Closed | FCRE0360 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. - Mortgage statement is missing the top section reflecting property address and mortgage statement date to determine if within 60 days of Note required by guidelines - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 76518819 D B A C | Closed | FCRE1330 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Paystubs Missing | Resolved-Borrower 1 Paystubs Provided - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Borrower 1 Paystubs Missing Lender provided paystubs for review, however, the top section of the paystubs is missing. Unable to verify Borrower's name and pay start/end dates to determine if documents meet guidelines requirements. page 355-357 - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Borrower 1 Paystubs Provided - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 75757514 D A | Closed | FCRE6019 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Corrected final 1003 received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Hi,<br> Please see the attached updated final 1003. the seller inadvertently changed the field between the initial and final applications. The borrower is in fact a US citizen.<br> Thanks! - Buyer-REDACTED <br> Open-Borrower 1 Citizenship Documentation Is Missing - Final 1003 reflects Borrower 1 is a Non-permanent resident alien, however, the loan file is missing supporting documentation to verify legal resident status as required by guidelines - Due Diligence Vendor-REDACTED |  | Resolved-Corrected final 1003 received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 72505621 A |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |
| REDACTED |  | 78838453 D A | Closed | FCRE5782 | REDACTED | REDACTED | 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-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 78838453 D A | Closed | FCOM5135 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 78416089 D A | Closed | FCRE2109 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Inc worksheet received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Buyer-REDACTED<br> Open- - Due Diligence Vendor-REDACTED |  | Resolved-Inc worksheet received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 78416089 D A | Closed | FCRE4001 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing 1008/UW Approval Document | Resolved-1008 received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Buyer-REDACTED<br> Open-Missing 1008/UW Approval Document MISSING THE 1008. - Due Diligence Vendor-REDACTED |  | Resolved-1008 received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 74430828 B A | Closed | FCRE2515 | REDACTED | REDACTED | Waived | 2 - Non-Material B | Credit | Eligibility | Credit history does not meet guidelines | Waived-Exception in file to allow non-medical chargeoffs with balances over $REDACTED to be paid off through closing vs. program restriction that open chargeoffs with over $REDACTED per occurrence are not acceptable. - Due Diligence Vendor-REDACTED |  | Waived-Exception in file to allow non-medical chargeoffs with balances over $REDACTED to be paid off through closing vs. program restriction that open chargeoffs with over $REDACTED per occurrence are not acceptable. - Due Diligence Vendor-REDACTED |  | LTV REDACTED vs. program max of REDACTED, DTI is REDACTED% vs. program max of REDACTED%, mortgage payment history of REDACTED. | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | Originator Pre-Close | Yes |
| REDACTED |  | 76493601 A |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other |  |  |
| REDACTED |  | 72986521 D A | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-FTP w/correct coverage & tax cert received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-Property Title Issue 1. Tax information is missing from prelim title and there is not a completed tax cert. <br> 2. Lender's coverage on preliminary title shows $REDACTED. Lenders coverage must be a minimum of the loan amount and is required to be increased to $REDACTED - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-FTP w/correct coverage & tax cert received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 72986521 D A | Closed | FCRE1152 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Missing Evidence of Property Tax title does not include property taxes, there is no completed tax cert. Used taxes from appraisal of $REDACTED to determine monthly taxes-see pg142 on appraisal. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 77259810 D A | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved- - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-PPA-solar received. Title must provide a supplement that confirms the lien position of this loan ahead of the UCC and financing statement filing. (Title pg 215) - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED |  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 77259810 D A | Closed | FCRE7347 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-PPA recieved, based on power purchase. Property title finding added for lien confirmation per guideline requirements. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-SOLAR PURCHASE POWER PURCHASE AGREEMENT OR LEASE AGREEMENT REFERENCED ON 1008 IS REQUIRED FOR REVIEW PER GUIDELINES. These are #s 4-6 on title page 215. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-PPA recieved, based on power purchase. Property title finding added for lien confirmation per guideline requirements. - Due Diligence Vendor REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 72651542 D A | Closed | FCRE1201 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED<br> Resolved-Fraud report received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-Missing Third Party Fraud Report - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED<br> Resolved-Fraud report received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 71306685 A |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other |  |  |
| REDACTED |  | 79727537 D A | Closed | FCRE1201 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED<br> Resolved-Fraud report received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. FRaud guard with cleared alerts attached - Seller-REDACTED<br> Open-Missing Third Party Fraud Report - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. FRaud guard with cleared alerts attached - Seller-REDACTED | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED<br> Resolved-Fraud report received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 79727537 D A | Closed | FCRE5782 | REDACTED | REDACTED | 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-REDACTED <br> Resolved-UDN received through REDACTED - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. UDN thru REDACTED Credit refresh attached - Seller-REDACTED<br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. UDN thru 6/26 Credit refresh attached - Seller-REDACTED | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence VendorREDACTED<br> Resolved-UDN received through REDACTED - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 72915121 A |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |
| REDACTED |  | 73268788 C A | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Lenders coverage received. Resolved. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-Property Title Issue Lender's coverage in the amount of $REDACTED is missing from preliminary title. Loan amount on preliminary title reflects $REDACTED vs. $REDACTED<br> - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Lenders coverage received. Resolved. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 77061201 D A C | Closed | FCRE1492 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Resolved-Cash out LOE received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. LOE uploaded - Seller-REDACTED<br> Open-Missing letter of explanation regarding the use of loan funds for the cash-out refinance transaction as required by Guidelines - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. LOE uploaded - Seller-REDACTED | Resolved-Cash out LOE received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 77061201 D A C | Closed | FCRE1148 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $REDACTED is Less than Total Amount of Subject Lien(s) - Due Diligence Vendor-REDACTED<br> Resolved-Updated title received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Title uploaded - Seller-REDACTED<br> Open-Title Coverage Amount of $REDACTED is Less than Total Amount of Subject Lien(s) Title policy does not reflect coverage amount page 265/290 - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Title uploaded - Seller-REDACTED | Resolved-Title Coverage Amount of $REDACTED is Less than Total Amount of Subject Lien(s) - Due Diligence Vendor-REDACTED <br> Resolved-Updated title received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 77061201 D A C | Closed | FCOM1262 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | Right of Rescission is Missing | Resolved-Right of Rescission is Provided - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Right of Recission uploaded - Seller-REDACTED<br> Open-Right of Rescission is Missing The notice of the right to cancel was not located in the file. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Right of Recission uploaded - Seller-REDACTED | Resolved-Right of Rescission is Provided - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 75958435 D A | Closed | FCRE1202 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-REDACTED <br> Resolved-Received updated fraud report - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-Fraud report shows REDACTED Appraisal services as the appraiser verified through the search (pg 273). The appraiser is REDACTED with REDACTED. REDACTED & REDACTED must appear on the fraud search. (Note - Appraiser statement of independence on pg 113). - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-REDACTED<br> Resolved-Received updated fraud report - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 75958435 D A | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Please see attached title policy - Seller-REDACTED<br> Open-Property Title Issue Preliminary title is missing Lender's coverage amount of $REDACTED/or statement that the policy will provide lenders title coverage - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Please see attached title policy - Seller-REDACTED | Resolved-Received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 79013281 A |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |
| REDACTED |  | 79571647 D B A | Closed | FCRE1335 | REDACTED | REDACTED | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Acknowledged-Transcripts received - order after loan closing/disbursement. Acknowledged. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Transcripts uploaded - Seller-REDACTED<br> Open-Borrower 1 IRS Transcripts Missing - Missing tax transcripts for Wage/Salaried borrowers - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Transcripts uploaded - Seller-REDACTED | Acknowledged-Transcripts received - order after loan closing/disbursement. Acknowledged. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | Originator Post-Close | No |
| REDACTED |  | 78107960 A |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other |  |  |
| REDACTED |  | 74457815 C A | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Verification of payoff received. - Due Diligence VendorREDACTED<br> Ready for Review-Document Uploaded. Title cannot remove the solar lien unlit the solar company records a release. Solar lien was paid off thru transaction and wont show on the FTP. Ledger report uploaded to show that the solar was paid off. The final title report is not available at this time. - Seller-REDACTED <br> Counter-REDACTED/REDACTED & REDACTED PAID AT CLOSE CONFIRMED TO BE SAME. REMOVED FROM LTV & DTI SINCE LOAN IS NOW PAID OFF THROUGH THIS CLOSING. VERIFICATION UCC LIEN ON TITLE REMOVED VIA SUPPLEMENT OR FINAL TITLE POLICY IS REQUIRED. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. We paid the solar off through this transaction. Payoff uploaded. You can see it on the CD as well. Should not be added to the CLTV. Please clear. Thank you! - Seller-REDACTED <br> Open-Property Title Issue UCC lien on purchased solar panels required to be terminated or subordinated. (DTI & CLTV difference is due to adding the solar panel balance to amount owed on property and the monthly payment to DTI.) - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Title cannot remove the solar lien unlit the solar company records a release. Solar lien was paid off thru transaction and wont show on the FTP. Ledger report uploaded to show that the solar was paid off. The final title report is not available at this time. - Seller-REDACTED<br> Ready for Review-Document Uploaded. We paid the solar off through this transaction. Payoff uploaded. You can see it on the CD as well. Should not be added to the CLTV. Please clear. Thank you! - Seller-REDACTED | Resolved-Verification of payoff received. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 76937139 A |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |
| REDACTED |  | 75415257 A |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other |  |  |
| REDACTED |  | 77659005 A |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other |  |  |
| REDACTED |  | 77739610 C A | Closed | FVAL2477 | REDACTED | REDACTED | Resolved | 1 - Information C A | Property | Appraisal | Appraisal incomplete (missing map, layout, pages, etc.) | Resolved-Cost to cure shown within guideline limitations. Resolved. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. The cost-to-cure is addressed on page 12 of 29. I have highlighted. - Seller-REDACTED <br> Open-Appraisal indicates a cost to cure, but there are no appraiser comments addressing the cost to cure or the amount. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. The cost-to-cure is addressed on page 12 of 29. I have highlighted. - Seller-REDACTED | Resolved-Cost to cure shown within guideline limitations. Resolved. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 77739610 C A | Closed | FCRE1148 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $REDACTEDis Less than Total Amount of Subject Lien(s) - Due Diligence Vendor-REDACTED <br> Resolved-Updated title with lenders coverage received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-Title Coverage Amount of $REDACTED is Less than Total Amount of Subject Lien(s) There is no Policy or indication of lenders title insurance coverage amount provided on the Title Report. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Title Coverage Amount of $REDACTED is Less than Total Amount of Subject Lien(s) - Due Diligence Vendor-REDACTED <br> Resolved-Updated title with lenders coverage received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 71470170 A |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Debt Consolidation |  |  |
| REDACTED |  | 76239641 D A | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-rec'd - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Property Title Issue Lender's cover of $REDACTED is missing from preliminary title. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-rec'd - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 76239641 D A | Closed | FCRE1161 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-REDACTED<br> Resolved-rec'd - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-Missing Flood Certificate - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Flood Certificate is fully present - Due Diligence Vendor-REDACTED<br> Resolved-rec'd - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 74141113 D A | Closed | FCRE5782 | REDACTED | REDACTED | 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-REDACTED<br> Ready for Review-Document Uploaded. Credit Refresh uploaded - Seller-REDACTED<br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor - REDACTED | Ready for Review-Document Uploaded. Credit Refresh uploaded - Seller-REDACTED | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 74141113 D A | Closed | FCRE5783 | REDACTED | REDACTED | 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-REDACTED<br> Ready for Review-Document Uploaded. Credit Refresh uploaded - Seller-REDACTED<br> Open-Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Credit Refresh uploaded - Seller-REDACTED | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 74141113 D A | Closed | FCRE1148 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $REDACTED is Less than Total Amount of Subject Lien(s) - Due Diligence Vendor-REDACTED<br> Resolved-Lenders coverage received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Revised title uploaded - Seller-REDACTED<br> Open-Title Coverage Amount of $REDACTED is Less than Total Amount of Subject Lien(s) - Title policy is missing coverage amount - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Revised title uploaded - Seller-REDACTED | Resolved-Title Coverage Amount of $REDACTED is Less than Total Amount of Subject Lien(s) - Due Diligence Vendor-REDACTED<br> Resolved-Lenders coverage received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 74159612 D A | Closed | FCRE1167 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s)and Replacement Cost Estimator by Insurer was not Provided | Resolved-Sufficent Hazard Insurance Coverage is provided or Guaranteed Replacement Coverage is present and Insurer has provided Replacement Cost Estimator - Due Diligence Vendor-REDACTED<br> Resolved-RCE received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage of $REDACTED is less than all Subject Lien(s), and Guaranteed Replacement Coverage is provided but Replacement Cost Estimator by Insurer was not Provided first and 2nd combined=$REDACTED, dwelling coverage is $REDACTED. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Sufficent Hazard Insurance Coverage is provided or Guaranteed Replacement Coverage is present and Insurer has provided Replacement Cost Estimator - Due Diligence Vendor-REDACTED <br> Resolved-RCE received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 74159612 D A | Closed | FCRE3653 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-Received - resolved - Due Diligence VendorREDACTED<br> Ready for Review-Document Uploaded. Revised 1003 uploaded - Seller-REDACTED<br> Open-LOE for residency. Final 1003 shows borrower residing at this property but also lists REDACTED as primary residence per 1003 schedule of REO. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Revised 1003 uploaded - Seller-REDACTED | Resolved-Received - resolved - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 75217666 B A | Closed | FCRE6763 | REDACTED | REDACTED | Waived | 2 - Non-Material B | Credit | Income/Employment | Income documentation does not meet guidelines | Waived-Allow bank statements to be dated within 90 days of note date per new REDACTED guidelines vs. 60 days per application date relevant guidelines. - Due Diligence Vendor-REDACTED |  | Waived-Allow bank statements to be dated within 90 days of note date per new REDACTED guidelines vs. 60 days per application date relevant guidelines. - Due Diligence Vendor-REDACTED |  | Mtg history REDACTED, REDACTED years at current residence, B1 - REDACTED years with same employer, B2 - over REDACTED years self-employed, FICO REDACTED vs. program min REDACTED | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes |
| REDACTED |  | 70179598 A |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |
| REDACTED |  | 78822419 D B A | Closed | FCRE5116 | REDACTED | REDACTED | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc | Missing VOM or VOR | Acknowledged-Exception received to allow first mortgage statement over 60 days from note date. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> We granted an additional exception for this. Please see attached. <br> Thanks! - Buyer-REDACTED<br> Open-First mortgage statement in file is more than 60 days from note date. First mortgage stmt date (pg 88) is REDACTED. Note date is REDACTED. First mtg stmt within 60 days required. - Due Diligence Vendor-REDACTED |  | Acknowledged-Exception received to allow first mortgage statement over 60 days from note date. - Due Diligence Vendor-REDACTED |  | REDACTED DTI vs. max of REDACTED, REDACTED verified on credit report, no indication of mod/forbearance on stmt in file | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | Originator Post-Close | Yes |
| REDACTED |  | 78822419 D B A | Closed | FPRO1249 | REDACTED | REDACTED | Waived | 2 - Non-Material B | Property | Property | Neighborhood Location Not Allowed for Program | Waived-Primary Value Valuation Neighborhood Location Not Allowed for Program Exception in file for subject property in REDACTED zoning per appraisal report and therefore considered an ineligible property per guidelines. - Due Diligence Vendor-REDACTED |  | Waived-Primary Value Valuation Neighborhood Location Not Allowed for Program Exception in file for subject property in REDACTED zoning per appraisal report and therefore considered an ineligible property per guidelines. - Due Diligence Vendor-REDACTED |  | No REDACTED use noted on subject property and subject sits on only REDACTED acres<br> REDACTED% vs max REDACTED<br> \* REDACTED | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | Originator Pre-Close | Yes |
| REDACTED |  | 72727305 A |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other |  |  |
| REDACTED |  | 75664549 D A | Closed | FCRE2109 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved- - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open- - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED |  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 75664549 D A | Closed | FCRE5116 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-VOM - payment history received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-First mortgage lien with REDACTED is not reported on credit. A full VOM reflecting 12 months payment history is required. - Due Diligence VendorREDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-VOM - payment history received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 79363821 A |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Home Improvement/Reno |  |  |

---

## Exhibit 99.7

[VISTA POINT ASSETS LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.7 - Schedule 4**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Marketing ID** | **Original Loan Amount** | **Initial Property Loan Grades DBRS** | **Initial Property Loan Grades Kroll** | **Initial Property Loan Grades Moody's** | **Final Property Loan Grades DBRS** | **Final Property Loan Grades Kroll** | **Final Property Loan Grades Moody's** |
| REDACTED |  | 78023401 | REDACTED | A | A | A D B | A | A | A B |
| REDACTED |  | 71415592 | REDACTED | N/A | N/A | N/A C D | N/A | N/A | N/A C |
| REDACTED |  | 72074920 | REDACTED | N/A C | N/A | N/A C D | N/A | N/A | N/A C |
| REDACTED |  | 74411760 | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | 75841078 | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | 76489432 | REDACTED | N/A | N/A | N/A C D | N/A | N/A | N/A C |
| REDACTED |  | 77947450 | REDACTED | A | A | A C | A | A | A |
| REDACTED |  | 74855473 | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | 70084941 | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | 78154025 | REDACTED | A | A | A D B | A | A | A B |
| REDACTED |  | 73399622 | REDACTED | A | A | A D B | A | A | A B |
| REDACTED |  | 71593627 | REDACTED | A | A | A D B | A | A | A B |
| REDACTED |  | 71267195 | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | 76869799 | REDACTED B | N/A | N/A | N/A C D | N/A | N/A | N/A C |
| REDACTED |  | 72789753 | REDACTED | N/A | N/A | N/A C D | N/A | N/A | N/A C |
| REDACTED |  | 79945174 | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | 77836739 | REDACTED | C | C | C D A | A | A | A |
| REDACTED |  | 78576274 | REDACTED | N/A | N/A | N/A C D | N/A | N/A | N/A C |
| REDACTED |  | 78387431 | REDACTED B | A | A | A B | A | A | A |
| REDACTED |  | 71851655 | REDACTED | N/A | N/A | N/A C | N/A | N/A | N/A C |
| REDACTED |  | 71314523 | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | 71209166 | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | 71754637 | REDACTED | N/A B | N/A | N/A C B | N/A B | N/A | N/A C B |
| REDACTED |  | 75133929 | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | 77512409 | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | 79495751 | REDACTED | A | A | A D B | A | A | A B |
| REDACTED |  | 72883631 | REDACTED | A | A | A | A | A | A |
| REDACTED |  | 76133763 | REDACTED | A | A | A | A | A | A |
| REDACTED |  | 76722508 | REDACTED | A | A | A D B | A | A | A B |
| REDACTED |  | 76797958 | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | 79005879 | REDACTED | C | C | C D A | A | A | A |
| REDACTED |  | 73904119 | REDACTED | N/A | N/A | N/A C | N/A | N/A | N/A C |
| REDACTED |  | 74496274 | REDACTED | N/A | N/A | N/A C D B | N/A | N/A | N/A C B |
| REDACTED |  | 71427450 | REDACTED | A | A | A | A | A | A |
| REDACTED |  | 77254266 | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | 74979947 | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | 77088915 | REDACTED | N/A | N/A | N/A C D | N/A | N/A | N/A C |
| REDACTED |  | 76690679 | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | 73675572 | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | 75507431 | REDACTED | N/A | N/A | N/A C D B | N/A | N/A | N/A C B |
| REDACTED |  | 79749284 | REDACTED | A | A | A D B | A | A | A B |
| REDACTED |  | 71995922 | REDACTED | A | A | A C | A | A | A |
| REDACTED |  | 70497133 | REDACTED | C | C | C D A | A | A | A |
| REDACTED |  | 75244846 | REDACTED | N/A C | N/A | N/A C D | N/A | N/A | N/A C |
| REDACTED |  | 78287963 | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | 71838005 | REDACTED | N/A | N/A | N/A C | N/A | N/A | N/A C |
| REDACTED |  | 78876515 | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | 71663673 | REDACTED | A | A | A | A | A | A |
| REDACTED |  | 79393685 | REDACTED | N/A | N/A | N/A C D | N/A | N/A | N/A C |
| REDACTED |  | 75922064 | REDACTED | A | A | A C | A | A | A |
| REDACTED |  | 78247063 | REDACTED | A | A | A | A | A | A |
| REDACTED |  | 79765507 | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | 70625496 | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | 77617528 | REDACTED | C | C | C D A | A | A | A |
| REDACTED |  | 74009162 | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | 74273590 | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | 79487396 | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | 74703748 | REDACTED | N/A | N/A | N/A C | N/A | N/A | N/A C |
| REDACTED |  | 76775957 | REDACTED | C | C | C D A | A | A | A |
| REDACTED |  | 78477052 | REDACTED | A | A | A | A | A | A |
| REDACTED |  | 73140692 | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | 71242182 | REDACTED | N/A B | N/A | N/A C | N/A B | N/A | N/A C B |
| REDACTED |  | 79742405 | REDACTED | N/A C | N/A | N/A C D B | N/A | N/A | N/A C B |
| REDACTED |  | 73349626 | REDACTED B | C | C | C B A | B | B | B |
| REDACTED |  | 75009858 | REDACTED | N/A | N/A | N/A C D | N/A | N/A | N/A C |
| REDACTED |  | 79371162 | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | 71917245 | REDACTED | N/A | N/A | N/A C | N/A | N/A | N/A C |
| REDACTED |  | 78517926 | REDACTED | N/A | N/A | N/A C D | N/A | N/A | N/A C |
| REDACTED |  | 76509581 | REDACTED | N/A | N/A | N/A C D | N/A | N/A | N/A C |
| REDACTED |  | 78035404 | REDACTED | N/A | N/A | N/A C | N/A | N/A | N/A C |
| REDACTED |  | 76840524 | REDACTED | N/A | N/A | N/A C D | N/A | N/A | N/A C |
| REDACTED |  | 73918025 | REDACTED | N/A B | N/A | N/A C | N/A | N/A | N/A C |
| REDACTED |  | 76076603 | REDACTED | A | A | A D B | A | A | A B |
| REDACTED |  | 70459425 | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | 76643757 | REDACTED B | A | A | A D | A | A | A |
| REDACTED |  | 70244615 | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | 70764144 | REDACTED | A | A | A C | A | A | A |
| REDACTED |  | 79390715 | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | 73895744 | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | 71634777 | REDACTED | N/A | N/A | N/A C D | N/A | N/A | N/A C |
| REDACTED |  | 71195688 | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | 72687213 | REDACTED | A | A | A C | A | A | A |
| REDACTED |  | 73991553 | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | 77745294 | REDACTED | N/A | N/A | N/A C D B | N/A | N/A | N/A C B |
| REDACTED |  | 79950358 | REDACTED | A | A | A | A | A | A |
| REDACTED |  | 79671728 | REDACTED | A | A | A | A | A | A |
| REDACTED |  | 73191230 | REDACTED | N/A | N/A | N/A C | N/A | N/A | N/A C |
| REDACTED |  | 79480432 | REDACTED | N/A | N/A | N/A C D | N/A | N/A | N/A C |
| REDACTED |  | 79128107 | REDACTED | A | A | A | A | A | A |
| REDACTED |  | 72185584 | REDACTED | N/A C | N/A | N/A C D | N/A | N/A | N/A C |
| REDACTED |  | 78341784 | REDACTED | N/A | N/A | N/A C D | N/A | N/A | N/A C |
| REDACTED |  | 79443910 | REDACTED | N/A | N/A | N/A C D B | N/A | N/A | N/A C B |
| REDACTED | 2506188610 | 74876573 | REDACTED | A | A | A | A | A | A |
| REDACTED |  | 74188511 | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | 78069581 | REDACTED | A | A | A | A | A | A |
| REDACTED |  | 77118491 | REDACTED | N/A C | N/A | N/A C D | N/A | N/A | N/A C |
| REDACTED |  | 70055410 | REDACTED | C | C | C D A | A | A | A |
| REDACTED |  | 74325271 | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | 76575486 | REDACTED | A | A | A | A | A | A |
| REDACTED |  | 75422744 | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | 77817143 | REDACTED | N/A C | N/A | N/A C D | N/A | N/A | N/A C |
| REDACTED |  | 72858861 | REDACTED | N/A D | N/A | N/A D | N/A | N/A | N/A C |
| REDACTED |  | 71764017 | REDACTED | A | A | A | A | A | A |
| REDACTED |  | 77894418 | REDACTED | A | A | A | A | A | A |
| REDACTED |  | 72214642 | REDACTED | N/A C | N/A | N/A C D | N/A | N/A | N/A C |
| REDACTED |  | 71006908 | REDACTED B | A | A | A B | A | A | A B |
| REDACTED |  | 73551083 | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | 77304747 | REDACTED | A | A | A | A | A | A |
| REDACTED |  | 78409228 | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | 77907856 | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | 74388281 | REDACTED | A | A | A D B | A | A | A B |
| REDACTED |  | 70539888 | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | 73746466 | REDACTED | N/A C | N/A | N/A C D | N/A | N/A | N/A C |
| REDACTED |  | 70597141 | REDACTED | A | A | A D B | A | A | A B |
| REDACTED |  | 79132804 | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | 71400034 | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | 74781519 | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | 72288367 | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | 72721014 | REDACTED | A | A | A D B | A | A | A B |
| REDACTED |  | 77401808 | REDACTED | A | A | A D B | A | A | A B |
| REDACTED |  | 76073621 | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | 77761611 | REDACTED | N/A | N/A | N/A C | N/A | N/A | N/A C |
| REDACTED |  | 71484380 | REDACTED | B | B | B D A | B | B | B |
| REDACTED |  | 78110574 | REDACTED | A | A | A C | A | A | A |
| REDACTED |  | 78447631 | REDACTED | A | A | A | A | A | A |
| REDACTED |  | 71972044 | REDACTED | A | A | A C | A | A | A |
| REDACTED |  | 79283852 | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | 78643269 | REDACTED | N/A C | N/A | N/A C D | N/A | N/A | N/A C |
| REDACTED |  | 78374978 | REDACTED B | A | A | A D B | A | A | A B |
| REDACTED |  | 78977948 | REDACTED | N/A C | N/A | N/A C D B | N/A | N/A | N/A C B |
| REDACTED |  | 77458352 | REDACTED | A | A | A D B | A | A | A B |
| REDACTED |  | 74547625 | REDACTED | A | A | A C | A | A | A |
| REDACTED |  | 71545298 | REDACTED | N/A | N/A | N/A C D B | N/A | N/A | N/A C B |
| REDACTED |  | 73369811 | REDACTED | A | A | A | A | A | A |
| REDACTED |  | 73603971 | REDACTED | A | A | A | A | A | A |
| REDACTED |  | 75532257 | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | 73932871 | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | 75180451 | REDACTED | N/A | N/A | N/A C D | N/A | N/A | N/A C |
| REDACTED |  | 75941349 | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | 72119285 | REDACTED | A | A | A D | A | A | A |
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| REDACTED |  | 75029349 | REDACTED | N/A | N/A | N/A C D B | N/A | N/A | N/A C B |
| REDACTED |  | 74849461 | REDACTED | A | A | A D B | A | A | A B |
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| REDACTED |  | 78416089 | REDACTED | N/A | N/A | N/A C D | N/A | N/A | N/A C |
| REDACTED |  | 74430828 | REDACTED B | A | A | A B | A | A | A B |
| REDACTED |  | 76493601 | REDACTED | A | A | A | A | A | A |
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| REDACTED |  | 72915121 | REDACTED | A | A | A | A | A | A |
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| REDACTED |  | 77061201 | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | 75958435 | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | 79013281 | REDACTED | A | A | A | A | A | A |
| REDACTED |  | 79571647 | REDACTED | N/A | N/A | N/A C D B | N/A | N/A | N/A C B |
| REDACTED |  | 78107960 | REDACTED | A | A | A | A | A | A |
| REDACTED |  | 74457815 | REDACTED | N/A | N/A | N/A C | N/A | N/A | N/A C |
| REDACTED |  | 76937139 | REDACTED | N/A | N/A | N/A C | N/A | N/A | N/A C |
| REDACTED |  | 75415257 | REDACTED | A | A | A | A | A | A |
| REDACTED |  | 77659005 | REDACTED | N/A | N/A | N/A C | N/A | N/A | N/A C |
| REDACTED |  | 77739610 | REDACTED | C | C | C A | A | A | A |
| REDACTED |  | 71470170 | REDACTED | A | A | A | A | A | A |
| REDACTED |  | 76239641 | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | 74141113 | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | 74159612 | REDACTED | N/A | N/A | N/A C D | N/A | N/A | N/A C |
| REDACTED |  | 75217666 | REDACTED B | A | A | A B | A | A | A B |
| REDACTED |  | 70179598 | REDACTED | A | A | A | A | A | A |
| REDACTED |  | 78822419 | REDACTED | B | B | B D A | B | B | B |
| REDACTED |  | 72727305 | REDACTED | N/A | N/A | N/A C | N/A | N/A | N/A C |
| REDACTED |  | 75664549 | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | 79363821 | REDACTED | A | A | A | A | A | A |

---

## Exhibit 99.7

[VISTA POINT ASSETS LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.7 - Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Loan ID** | **Seller Loan ID** | **Marketing ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Questionnaire Flag** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Borrower Months of Paystubs Verified** | **Co Borrower Months of Paystubs Verified** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Borrower Award/Offer Letter** | **Co Borrower Award/Offer Letter** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **Borrower CPA Letter Flag** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower WVOE Flag** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower WVOE Flag** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Co Borrower 2 FICO** | **Most Recent Co Borrower 3 FICO** | **Updated Credit Report Flag** | **Updated Credit Report Date** | **Updated FICO Method** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Updated Primary Borrower FICO** | **Updated Co Borrower FICO** | **Updated Co Borrower 2 FICO** | **Updated Co Borrower 3 FICO** | **Updated Qualifying FICO** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Lates 30d in 0-12m** | **Prior Mortgage/Rent Lates 60d in 0-12m** | **Prior Mortgage/Rent Lates 90d in 0-12m** | **Prior Mortgage/Rent Lates 120d+ in 0-12m** | **Prior Mortgage/Rent Lates 30d in 13-24m** | **Prior Mortgage/Rent Lates 60d in 13-24m** | **Prior Mortgage/Rent Lates 90d in 13-24m** | **Prior Mortgage/Rent Lates 120d+ in 13-24m** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Subordinate Lien Max Draw Amount (HELOC)** | **Subordinate Lien 2 Type** | **Subordinate Lien 2 Max Draw Amount (HELOC)** | **Subordinate Lien 3 Type** | **Subordinate Lien 3 Max Draw Amount (HELOC)** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Leasehold Lease Expiration Date** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves (ASF)** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **E-Note Flag** | **O&E in lieu of Title Insurance** | **Business Purpose Flag** | **Borrower Note Executed As** | **Co Borrower Note Executed As** | **Co Borrower 2 Note Executed As** | **Co Borrower 3 Note Executed As** | **Borrower 1 Trust Name** | **Borrower 2 Trust Name** | **Borrower 3 Trust Name** | **Borrower 4 Trust Name** |
| REDACTED |  | 78023401 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 3.11.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | No | No | No | N/A | N/A |  | 03/17/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 0.000% |  | 10.125% | 10.125% | $6651.17 | No | REDACTED | REDACTED | $8945.04 | $745.42 | $0.00 | $0.00 | $16312.29 | $25847.65 |  | N/A |  |  | $0.00 |  |  | 41.00% | 40.38% | 40.38% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Missing | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp, Other REO Net Rental Income(Loss) - YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified - 2024 - 2024 | Borrower - 2 YRS Executed 4506T Verified - 2024 - 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 03/04/2025 | 03/04/2025 |  |  |  | 722 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 728783.69 | 28.2 | No | 59.91 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 71415592 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/09/2024 | 12.09.24 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 895 | 03/24/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.730% |  | 9.625% | 9.625% | $984.29 | No | REDACTED | REDACTED | $1901.04 | $158.42 | $0.00 | $0.00 | $1048.40 | $2985.54 |  | N/A |  |  | $0.00 |  |  | 43.92% | 44.81% | 44.81% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | 1 Month |  | N/A | 0 |  |  | 1 | 0 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 1 | 12 | Work Number |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Overtime and Bonus, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024 - 2024 | Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024 - 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 04/10/2025 | 04/10/2025 |  |  |  | 696 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 81141.71 | 28.5 | No | 69.7 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 72074920 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/9/2024 | 12.09.24 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 6615 | 04/14/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 11.145% |  | 10.500% | 10.500% | $1372.11 | No | REDACTED | REDACTED | $1945.56 | $162.13 | $0.00 | $0.00 | $975.00 | $2703.10 |  | N/A |  |  | $0.00 |  |  | 17.89% | 18.53% | 18.53% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | W2/1099 Verified | 1 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 1 | NA |  | No | No | 0 | No | Yes | Yes | 2 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 1 YR W2 1099 Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Personal Bank Statements Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 05/22/2025 | 05/22/2025 |  |  |  | 699 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 2343.78 | 0.9 | 2343.78 | 0.9 | No | 61.86 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 74411760 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 3.11.25 | REDACTED | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  | 04/07/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 0.000% |  | 10.000% | 10.000% | $1982.26 | No | REDACTED | REDACTED | $423.00 | $35.25 | $5733.48 | $477.79 | $2421.12 | $5714.70 |  | Yes | REDACTED | REDACTED | $477.79 |  | Monthly | 115.67% | 44.62% | 44.62% | Yes | Yes |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | 2YR Full Doc | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 1 | 24 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 04/24/2025 | 04/24/2025 | 04/24/2025 |  |  | 734 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 3650.00 | 0.6 | 63433.81 | 11.1 | No | 65.49 | Yes | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | 75841078 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 3.11.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | 04/21/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.509% |  | 8.500% | 8.500% | $4236.71 | No | REDACTED | REDACTED | $8756.04 | $729.67 | $9000.00 | $750.00 | $6119.66 | $14809.55 |  | N/A |  | REDACTED | $750.00 |  | Annually | 28.57% | 27.57% | 27.57% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor - Executed 4506T Verified, Business Bank Statements Verified - 2025, 2024 \|\| Co Borrower - Executed 4506T Verified | Borrower - Executed 4506T Verified - 2025, 2024 \|\| Co Borrower - Executed 4506T Verified | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 05/21/2025 | 05/21/2025 | 05/21/2025 |  |  | 767 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 25139.30 | 1.7 | 25139.30 | 1.7 | No | 56.46 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | 76489432 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 3.11.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 2743 | 04/21/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.034% |  | 8.875% | 8.875% | $1788.45 | No | REDACTED | REDACTED | $5367.96 | $447.33 | $0.00 | $0.00 | $1606.00 | $4758.06 | $10227.95 | N/A |  |  | $0.00 |  |  | 32.11% | 32.11% | 32.11% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 04/07/2025 | 04/07/2025 |  |  |  | 803 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 218099.71 | 45.8 | No | 79.89 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 77947450 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 3.11.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 2919 | 04/28/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 11.167% |  | 10.500% | 10.500% | $777.53 | No | REDACTED | REDACTED | $3399.00 | $283.25 | $0.00 | $0.00 | $2363.21 | $4086.82 | $3370.63 | N/A |  |  | $0.00 |  |  | 49.82% | 48.28% | 48.28% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | Yes | 1 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 24 | 24 | Work Number | Yes | 24 | 24 | Work Number | No | 0 |  | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - 2023, 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2023, 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 04/02/2025 | 04/02/2025 | 04/02/2025 |  |  | 681 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 1 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 69.98 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | 74855473 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 3.11.25 | REDACTED | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  | 05/05/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 0.000% |  | 9.625% | 9.625% | $1151.74 | No | REDACTED | REDACTED | $3303.00 | $275.25 | $240.00 | $20.00 | $893.60 | $2833.32 |  | N/A | REDACTED | REDACTED | $20.00 | 07/01/2025 | Annually | 47.15% | 45.13% | 45.13% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 1 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 1 | 24 | FNMA 1005 |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Overtime and Bonus, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 04/24/2025 | 04/24/2025 |  |  |  | 750 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 112646.59 | 39.8 | No | 64.43 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 70084941 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 3.11.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 2157.5 | 04/28/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.819% |  | 9.750% | 9.750% | $3866.19 | No | REDACTED | REDACTED | $6699.00 | $558.25 | $0.00 | $0.00 | $4264.92 | $9526.95 |  | N/A |  |  | $0.00 |  |  | 39.32% | 39.45% | 39.45% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 05/02/2025 | 05/02/2025 |  |  |  | 753 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 439649.43 | 46.2 | No | 79.61 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | REDACTED |  |  |  |
| REDACTED |  | 78154025 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 3.11.25 | REDACTED | ATR/QM: Exempt | No | No | No | N/A | N/A |  | 05/26/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 0.000% |  | 9.500% | 9.500% | $6202.91 | No | REDACTED | REDACTED | $7279.08 | $606.59 | $0.00 | $0.00 | $4440.71 | $12737.88 |  | N/A |  |  | $0.00 |  |  | 14.54% | 14.51% | 14.51% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 2 | 2 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 36.00% |  |  | Borrower Prepared | 15 | Borrower |  |  |  | Yes | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1065, K1, Extension), CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified - 2022, 2023, 2024, 2025 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1065, K1, Extension), 2 YRS Executed 4506T Verified - 2022, 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 04/30/2025 | 04/30/2025 |  |  |  | 774 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 68799.13 | 5.4 | 68799.13 | 5.4 | No | 69.82 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 73399622 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 3.11.25 | REDACTED | ATR/QM: Exempt | No | No | No | N/A | N/A |  | 05/26/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 0.000% |  | 9.750% | 9.750% | $4295.77 | No | REDACTED | REDACTED | $1401.00 | $116.75 | $0.00 | $0.00 | $2421.98 | $7525.32 |  | N/A |  |  | $0.00 |  |  | 14.46% | 14.99% | 14.99% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 2 | 2 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 50.00% |  |  | Borrower Prepared | 15 | Borrower |  |  |  | Yes | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1065, K1, Extension), CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2022, 2023, 2024, 2025 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1065, K1, Extension), 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2022, 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 04/30/2025 | 04/30/2025 |  |  |  | 774 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 68799.13 | 9.1 | 68799.13 | 9.1 | No | 79.17 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 71593627 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 3.11.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 04/28/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 0.000% |  | 9.500% | 9.500% | $840.85 | No | REDACTED | REDACTED | $2038.20 | $169.85 | $0.00 | $0.00 | $1311.71 | $2584.64 |  | N/A |  |  | $0.00 |  |  | 44.08% | 46.05% | 46.05% | Yes | Yes |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | Less than 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 3 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 1 | 24 | Work Number | Yes | 1 | 24 | FNMA 1005 | No | 0 |  |  | Borrower - Wage, Overtime and Bonus, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - 2023, 2024 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024 \|\| Co Borrower - 2 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - 2023, 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 05/05/2025 | 05/05/2025 | 05/05/2025 |  |  | 730 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 22949.01 | 8.9 | 118443.23 | 45.8 | No | 67.95 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | 71267195 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 3.11.25 | REDACTED | ATR/QM: Exempt | No | No | No | N/A | N/A |  | 04/28/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 0.000% |  | 9.875% | 9.875% | $1476.19 | No | REDACTED | REDACTED | $1548.00 | $129.00 | $2100.00 | $175.00 | $1622.81 | $3836.65 |  | N/A | REDACTED | REDACTED | $175.00 |  | Monthly | 708.06% | 49.05% | 49.05% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 04/15/2025 | 04/15/2025 |  |  |  | 745 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Passport |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 68.8 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 76869799 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 3.11.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 04/28/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 0.000% |  | 11.000% | 11.000% | $3333.13 | No | REDACTED | REDACTED | $18846.96 | $1570.58 | $0.00 | $0.00 | $20976.44 | $26770.67 |  | N/A |  |  | $0.00 |  |  | 43.03% | 43.04% | 43.04% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp, SESoleProprietor, SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 05/30/2025 | 05/30/2025 |  |  |  | 700 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Passport | Patriot Act Disclosure | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 74.44 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 72789753 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 3.11.25 | REDACTED | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  | 05/05/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 0.000% |  | 9.750% | 9.750% | $1769.86 | No | REDACTED | REDACTED | $1292.04 | $107.67 | $3204.00 | $267.00 | $1786.75 | $4578.00 |  | Yes | REDACTED | REDACTED | $267.00 | 06/01/2025 | Monthly | 47.62% | 47.53% | 47.53% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 1 | 0 |  |  | 3 | 2 | NA |  | No | No | 84 | No | Yes | Yes | 6 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Other, Other, Asset Depletion, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Personal Bank Statements Verified, 1040 Schedule E Verified - 2023, 2024 | Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - 2023, 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 04/17/2025 | 04/17/2025 |  |  |  | 741 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | PATRIOT ACT INFORMATION FORM | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 183218.32 | 40 | No | 69.88 | Yes | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 79945174 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 3.11.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 10595 | 05/05/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.637% |  | 9.375% | 9.375% | $4158.75 | No | REDACTED | REDACTED | $3864.00 | $322.00 | $1800.00 | $150.00 | $21895.85 | $30795.38 |  | N/A | REDACTED | REDACTED | $150.00 | 06/01/2025 | Monthly | 24.50% | 24.34% | 24.34% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 144 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 05/07/2025 | 05/07/2025 |  |  |  | 773 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 533778.54 | 17.3 | 495438.85 | 16.1 | No | 74.9 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 77836739 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 5.12.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 1845 | 05/12/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.724% |  | 8.500% | 8.500% | $1038.03 | No | REDACTED | REDACTED | $1976.04 | $164.67 | $0.00 | $0.00 | $1552.87 | $3510.86 |  | N/A |  |  | $0.00 |  |  | 46.01% | 45.30% | 45.30% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 1 | 24 | Other |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 04/18/2025 | 04/18/2025 |  |  |  | 769 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 97477.98 | 27.8 | No | 52.11 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 78576274 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 3.11.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 2432 | 04/28/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.349% |  | 8.750% | 8.750% | $409.08 | No | REDACTED | REDACTED | $3812.04 | $317.67 | $338.04 | $28.17 | $672.13 | $1541.34 |  | N/A | REDACTED | REDACTED | $28.17 |  | Annually | 47.29% | 47.29% | 47.29% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 1 | 0 |  |  | 3 | 2 | Yes |  | No | No | 0 | No | Yes | Yes | 2 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 1 | 24 | Work Number |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, SSI and Disability - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified, Personal Bank Statements Verified - 2023, 2024, 2025 | Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 04/28/2025 | 04/28/2025 |  |  |  | 803 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 2 | 2 | 2 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 23.36 | 0 | 44513.66 | 28.9 | No | 58.45 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 78387431 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 3.11.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 1740 | 05/05/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.104% |  | 8.000% | 8.000% | $1520.73 | No | REDACTED | REDACTED | $3836.04 | $319.67 | $1035.96 | $86.33 | $2121.29 | $4486.16 |  | N/A | REDACTED | REDACTED | $86.33 |  | Annually | 16.26% | 16.19% | 16.19% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 86 | 28 | Work Number | Yes | 95 | 28 | Work Number | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - Wage, Overtime and Bonus, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 04/29/2025 | 04/29/2025 | 04/29/2025 |  |  | 799 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 160986.44 | 35.9 | 160986.44 | 35.9 | No | 84.91 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | 71851655 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 3.11.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 1930 | 05/05/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.095% |  | 8.250% | 8.250% | $485.07 | No | REDACTED | REDACTED | $2067.96 | $172.33 | $0.00 | $0.00 | $816.48 | $1701.13 |  | N/A |  |  | $0.00 |  |  | 47.55% | 47.56% | 47.56% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 1 | 24 | Work Number |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 06/02/2025 | 06/02/2025 |  |  |  | 736 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 12823.22 | 7.5 | 14415.32 | 8.5 | No | 61.51 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 71314523 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 3.11.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 5515 | 05/12/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 12.475% |  | 12.125% | 12.125% | $2554.08 | No | REDACTED | REDACTED | $1725.00 | $143.75 | $1212.00 | $101.00 | $1573.00 | $4549.90 |  | N/A | REDACTED | REDACTED | $101.00 | 06/01/2025 | Monthly | 17.24% | 17.74% | 17.74% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 50.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESCorp - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower - SESCorp - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 04/23/2025 | 04/23/2025 | 04/23/2025 |  |  | 728 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 241889.84 | 53.2 | No | 84.66 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | 71209166 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 3.11.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 3891.5 | 05/12/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.981% |  | 10.500% | 10.500% | $1372.11 | No | REDACTED | REDACTED | $1161.96 | $96.83 | $0.00 | $0.00 | $1701.25 | $3457.49 |  | N/A |  |  | $0.00 |  |  | 39.21% | 39.85% | 39.85% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 132 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2023, 2024, 2025 | Borrower - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 03/28/2025 | 03/28/2025 |  |  |  | 668 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Disclosure | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 48.28 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 71754637 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 3.11.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 4465.25 | 05/12/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.665% |  | 9.500% | 9.500% | $2816.86 | No | REDACTED | REDACTED | $1747.56 | $145.63 | $0.00 | $0.00 | $2125.20 | $5437.75 |  | N/A |  | REDACTED | $0.00 |  |  | 44.96% | 44.97% | 44.97% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | NA |  | N/A | 0 |  |  | 1 | 1 |  |  | 1 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Borrower Prepared | 17 | Borrower |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(K1, 1120S), YTD Profit And Loss Verified, Balance Sheet Verified, 1 YR W2 1099 Verified, Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2025, 2024, 2023 | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(K1, 1120S), Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2025, 2024, 2023 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 04/24/2025 | 04/24/2025 |  |  |  | 717 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 70986.20 | 13.1 | 370627.37 | 68.2 | No | 73.19 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 75133929 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 3.11.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 3211.86 | 05/12/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.067% |  | 9.500% | 9.500% | $580.61 | No | REDACTED | REDACTED | $2131.20 | $177.60 | $3552.00 | $296.00 | $1227.37 | $2747.16 |  | N/A |  | REDACTED | $296.00 |  | Monthly | 44.94% | 44.95% | 44.95% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 64 | 30 | Other |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Wage, Other - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, Executed 4506T Verified, IRS Transcripts Verified - 2025, 2024, 2023 | Borrower - Executed 4506T Verified, IRS Transcripts Verified - 2025, 2024, 2023 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 05/12/2025 | 05/12/2025 |  |  |  | 702 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 15048.88 | 5.6 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 77512409 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 3.11.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 1690 | 05/12/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.873% |  | 8.750% | 8.750% | $1573.40 | No | REDACTED | REDACTED | $2547.00 | $212.25 | $4254.96 | $354.58 | $1950.09 | $4566.97 |  | N/A | REDACTED | REDACTED | $354.58 | 05/01/2026 | Annually | 39.94% | 41.64% | 41.64% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 1YR Full Doc | 1 | 1 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 1 | 1 | 1 | 1 | 0 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 100.00% |  | Borrower Prepared | 5 | Borrower | Borrower Prepared | Borrower | 5 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, SESCorp, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(K1), YTD Profit And Loss Verified, 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - 2024 - 2024 \|\| Co Borrower - SESCorp, SESCorp - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(K1), YTD Profit And Loss Verified, 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - 2024 - 2024 | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(K1), 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - 2024 - 2024 \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(K1), 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - 2024 - 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 03/03/2025 | 03/03/2025 | 03/03/2025 |  |  | 729 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | PATRIOT ACT INFORMATION FORM | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | PATRIOT ACT INFORMATION FORM | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 61327.65 | 13.4 | No | 60.22 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | 79495751 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 3.11.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 1595 | 05/12/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.046% |  | 9.875% | 9.875% | $1166.57 | No | REDACTED | REDACTED | $1109.04 | $92.42 | $0.00 | $0.00 | $943.74 | $2651.51 |  | N/A |  |  | $0.00 |  |  | 44.56% | 44.55% | 44.55% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 1 |  | NA |  | N/A | 0 |  |  | 1 | 1 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120), CPA Letter Verified, 1 YR W2 1099 Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120) - 2025, 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 03/13/2025 | 03/13/2025 |  |  |  | 760 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 677.70 | 0.3 | 130909.38 | 50.6 | No | 74.89 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 72883631 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 3.11.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 1595 | 05/12/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 11.357% |  | 11.250% | 11.250% | $3672.40 | No | REDACTED | REDACTED | $3177.96 | $264.83 | $768.00 | $64.00 | $2581.13 | $7202.68 |  | N/A |  | REDACTED | $64.00 |  | Monthly | 47.79% | 47.94% | 47.94% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - Executed 4506T Verified, Personal Bank Statements Verified - 2025, 2024, 2023 | Borrower - Executed 4506T Verified - 2025, 2024, 2023 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 05/09/2025 | 05/09/2025 |  |  |  | 666 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 576.83 | 0.1 | 628.09 | 0.1 | No | 67.36 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 76133763 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 5.12.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 15993 | 05/12/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.963% |  | 8.625% | 8.625% | $4246.73 | No | REDACTED | REDACTED | $2974.92 | $247.91 | $0.00 | $0.00 | $2981.98 | $8924.57 |  | N/A |  |  | $0.00 |  |  | 33.07% | 33.07% | 33.07% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 05/14/2025 | 05/14/2025 |  |  |  | 778 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | PATRIOT ACT INFORMATION FORM | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 522985.50 | 58.6 | No | 79.89 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 76722508 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/09/2024 | 12.09.24 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 5400 | 05/12/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.340% |  | 9.500% | 9.500% | $1305.28 | No | REDACTED | REDACTED | $2712.00 | $226.00 | $948.00 | $79.00 | $1580.24 | $3395.51 |  | N/A | REDACTED | REDACTED | $79.00 |  | Monthly | 43.71% | 43.55% | 43.55% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 0 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 06/10/2025 | 06/10/2025 |  |  |  | 720 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 73.96 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 76797958 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 3.11.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 2693.91 | 05/12/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 13.436% |  | 12.750% | 12.750% | $631.79 | No | REDACTED | REDACTED | $3320.04 | $276.67 | $240.00 | $20.00 | $1221.85 | $2358.64 |  | N/A |  | REDACTED | $20.00 |  | Monthly | 45.00% | 45.00% | 45.00% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 1 | Yes |  | No | No | 0 | No | Yes | Yes | 2 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 23 | 23 | Other |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Retirement, Retirement - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified, IRS Transcripts Verified, Award Letter Verified, Personal Bank Statements Verified - 2025, 2024, 2023 | Borrower - Executed 4506T Verified, IRS Transcripts Verified - 2025, 2024, 2023 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 04/07/2025 | 04/07/2025 |  |  |  | 666 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 266.82 | 0.1 | 14821.45 | 6.3 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 79005879 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 3.11.25 | REDACTED | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  | REDACTED | Manual Underwriting | Manual Underwriting | No |  |  | 10.125% | 10.125% | $1747.04 | No | REDACTED | REDACTED | $1194.00 | $99.50 | $0.00 | $0.00 | $2592.48 | $4917.85 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.383 | 1.15 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 04/08/2025 | 04/08/2025 |  |  |  | 736 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 74.75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 73904119 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 3.11.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 1690 | 05/19/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.666% |  | 8.250% | 8.250% | $450.76 | No | REDACTED | REDACTED | $6449.40 | $537.45 | $2676.00 | $223.00 | $1570.93 | $3132.76 |  | N/A | REDACTED | REDACTED | $223.00 | 06/01/2025 | Monthly | 24.20% | 24.20% | 24.20% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 05/12/2025 | 05/12/2025 |  |  |  | 787 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | PATRIOT ACT INFORMATION FORM | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 55550.62 | 19 | No | 52.52 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 74496274 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 3.11.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 13027 | 05/12/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 11.232% |  | 10.875% | 10.875% | $4684.75 | No | REDACTED | REDACTED | $1308.96 | $109.08 | $14640.00 | $1220.00 | $2770.95 | $9958.52 |  | N/A | REDACTED | REDACTED | $1220.00 | 07/01/2025 | Monthly | 49.95% | 49.95% | 49.95% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified, Lease Agreements Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 04/25/2025 | 04/25/2025 |  |  |  | 694 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 147213.70 | 14.8 | No | 65 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 71427450 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 5.12.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 1442 | 05/19/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 11.505% |  | 11.250% | 11.250% | $874.14 | No | REDACTED | REDACTED | $1154.04 | $96.17 | $0.00 | $0.00 | $2212.94 | $3419.08 |  | N/A |  |  | $0.00 |  |  | 46.81% | 46.81% | 46.81% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 1YR Full Doc | 1 | 1 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 1 | 0 | 1 | 0 | 2 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 176 | 28 | Work Number | No | 0 |  | N/A | Borrower - Wage - 1 YR Personal Tax Returns Verified, 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024, 2025 \|\| Co Borrower - Wage - 1 YR Personal Tax Returns Verified, 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024, 2025 \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 05/20/2025 | 05/20/2025 | 05/20/2025 |  |  | 780 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 84.52 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | REDACTED | REDACTED |  |  |
| REDACTED |  | 77254266 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 3.11.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 3295 | 05/19/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.390% |  | 9.875% | 9.875% | $868.35 | No | REDACTED | REDACTED | $716.04 | $59.67 | $612.00 | $51.00 | $1115.88 | $2287.62 |  | N/A | REDACTED | REDACTED | $51.00 |  | Monthly | 44.97% | 42.46% | 42.46% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 16 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 04/11/2025 | 04/11/2025 |  |  |  | 768 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Disclosure | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 70.91 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 74979947 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 3.11.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 8102.5 | 05/19/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.282% |  | 9.875% | 8.250% | $2344.54 | No | REDACTED | REDACTED | $5367.00 | $447.25 | $0.00 | $0.00 | $2898.21 | $6939.54 | $20664.17 | N/A |  |  | $0.00 |  |  | 40.33% | 40.18% | 40.18% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 04/29/2025 | 04/29/2025 |  |  |  | 726 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 69.61 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 77088915 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 3.11.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 5595 | 05/19/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 11.072% |  | 10.500% | 10.500% | $1463.58 | No | REDACTED | REDACTED | $1040.04 | $86.67 | $0.00 | $0.00 | $3603.91 | $5800.58 |  | N/A |  |  | $0.00 |  |  | 34.89% | 34.70% | 34.70% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 05/01/2025 | 05/01/2025 |  |  |  | 663 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Other |  | REDACTED | REDACTED | REDACTED |  |  | Work Visa |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 152232.67 | 27.5 | No | 69.35 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 76690679 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 3.11.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 795 | 05/19/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.819% |  | 8.750% | 8.750% | $1652.07 | No | REDACTED | REDACTED | $1349.04 | $112.42 | $0.00 | $0.00 | $1285.96 | $3348.05 |  | N/A |  |  | $0.00 |  |  | 39.87% | 39.67% | 39.67% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 1 | 0 | 1 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 1 | 24 | Other | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Overtime and Bonus, Overtime and Bonus, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - Wage - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 05/06/2025 | 05/06/2025 | 05/06/2025 |  |  | 735 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | PATRIOT ACT INFORMATION FORM | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | PATRIOT ACT INFORMATION FORM | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 59915.15 | 17.9 | No | 58.57 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | 73675572 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 3.11.25 | REDACTED | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  | 05/19/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 0.000% |  | 9.500% | 9.500% | $2569.04 | No | REDACTED | REDACTED | $2183.28 | $181.94 | $1260.00 | $105.00 | $3039.59 | $6410.26 |  | N/A | REDACTED | REDACTED | $105.00 |  | Monthly | 46.84% | 43.99% | 43.99% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 2 | 0 |  |  | 1 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Other, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 1 YR Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Lease Agreements Verified, 1040 Schedule E Verified - 2023, 2024, 2025 | Borrower - 2 YRS Personal Tax Returns Verified, 1 YR Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 05/13/2025 | 05/13/2025 |  |  |  | 809 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 878537.87 | 137.1 | 878537.87 | 137.1 | No | 74.72 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 75507431 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 3.11.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 5787.9 | 05/19/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.701% |  | 10.250% | 10.250% | $1657.79 | No | REDACTED | REDACTED | $1008.60 | $84.05 | $0.00 | $0.00 | $1339.81 | $3521.68 |  | N/A |  |  | $0.00 |  |  | 40.97% | 40.27% | 40.27% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 1 | 1 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Borrower Prepared | 5 | Borrower |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, K1), YTD Profit And Loss Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, K1), 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 04/30/2025 | 04/30/2025 |  |  |  | 709 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Disclosure | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 79.85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 79749284 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 3.11.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 7400 | 05/19/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.441% |  | 10.125% | 10.125% | $3103.88 | No | REDACTED | REDACTED | $1135.56 | $94.63 | $0.00 | $0.00 | $2087.54 | $5863.71 |  | N/A |  |  | $0.00 |  |  | 31.53% | 31.53% | 31.53% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 04/23/2025 | 04/23/2025 |  |  |  | 788 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | PATRIOT ACT INFORMATION FORM | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 58770.66 | 10 | No | 80.59 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 71995922 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 3.11.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 495 | 05/19/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.962% |  | 8.750% | 8.750% | $865.37 | No | REDACTED | REDACTED | $2120.04 | $176.67 | $0.00 | $0.00 | $1843.58 | $3242.89 |  | N/A |  |  | $0.00 |  |  | 45.37% | 45.69% | 45.69% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 1 | 24 | FNMA 1005 |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 04/17/2025 | 04/17/2025 |  |  |  | 763 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 72522.25 | 22.4 | No | 46.36 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 70497133 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 5.12.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 6495 | 05/19/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.538% |  | 10.125% | 10.125% | $1773.65 | No | REDACTED | REDACTED | $1196.04 | $99.67 | $0.00 | $0.00 | $770.83 | $3320.50 |  | N/A |  |  | $0.00 |  |  | 45.80% | 45.17% | 45.17% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 96 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 05/28/2025 | 05/28/2025 |  |  |  | 704 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Disclosure | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 68.54 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 75244846 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 3.11.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 4690 | 05/26/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.319% |  | 9.000% | 9.000% | $1609.25 | No | REDACTED | REDACTED | $948.36 | $79.03 | $2340.00 | $195.00 | $3847.78 | $6487.84 |  | N/A | REDACTED | REDACTED | $195.00 |  | Monthly | 41.67% | 41.67% | 41.67% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 99 | 29 | Other |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - Written VOE Verified - 2023, 2024, 2025 | Borrower - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 05/19/2025 | 05/19/2025 |  |  |  | 769 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Disclosure | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 60.28 | Unable to Determine | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 78287963 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 3.11.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 1779.22 | 06/02/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.941% |  | 10.500% | 10.500% | $652.90 | No | REDACTED | REDACTED | $5529.00 | $460.75 | $0.00 | $0.00 | $1133.68 | $2514.81 |  | N/A |  |  | $0.00 |  |  | 39.87% | 39.82% | 39.82% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 93 | 28 | Work Number | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 04/25/2025 | 04/25/2025 | 04/25/2025 |  |  | 759 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 1 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | I-151 Permanent Resident Card |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 70.95 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | 71838005 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 5.12.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 1670 | 06/09/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.232% |  | 8.750% | 8.750% | $432.69 | No | REDACTED | REDACTED | $2088.96 | $174.08 | $6240.00 | $520.00 | $644.22 | $1816.49 |  | Yes | REDACTED | REDACTED | $520.00 | 08/01/2025 | Monthly | 28.01% | 27.90% | 27.90% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 2 | 0 | 2 | 0 | 1 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 52 | 29 | Other | Yes | 13 | 13 | Other | No | 0 |  |  | Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified, IRS Transcripts Verified - 2025, 2024, 2023 \|\| Co Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified, IRS Transcripts Verified - 2025, 2024, 2023 | Borrower - 2 YRS Personal Tax Returns Verified, Executed 4506T Verified, IRS Transcripts Verified - 2025, 2024, 2023 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, Executed 4506T Verified, IRS Transcripts Verified - 2025, 2024, 2023 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 03/27/2025 | 03/27/2025 | 03/27/2025 |  |  | 757 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 51235.22 | 28.2 | No | 64.95 | Yes | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | 78876515 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 3.11.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 05/26/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 0.000% |  | 9.375% | 9.375% | $2079.37 | No | REDACTED | REDACTED | $1535.04 | $127.92 | $0.00 | $0.00 | $2405.76 | $4959.41 |  | N/A |  |  | $0.00 |  |  | 42.50% | 42.52% | 42.52% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 48 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | Yes | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified, Lease Agreements Verified - 2024, 2025 | Borrower - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 05/02/2025 | 05/02/2025 |  |  |  | 793 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Disclosure | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 60.78 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 71663673 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 3.11.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 2335 | 05/26/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.478% |  | 9.500% | 9.500% | $522.11 | No | REDACTED | REDACTED | $2322.00 | $193.50 | $0.00 | $0.00 | $878.94 | $1701.94 |  | N/A |  |  | $0.00 |  |  | 37.61% | 38.21% | 38.21% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 2 | Yes |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 247 | 32 | Other |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Retirement - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified, null Personal Bank Statements Verified - 2025, 2024, 2023 | Borrower - Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025, 2024, 2023 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 04/18/2025 | 04/18/2025 |  |  |  | 707 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 6440.53 | 3.8 | 48097.50 | 28.3 | No | 73.25 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 79393685 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 5.12.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 7400 | 05/26/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 12.317% |  | 12.000% | 12.000% | $3600.14 | No | REDACTED | REDACTED | $2468.88 | $205.74 | $924.00 | $77.00 | $5121.04 | $10314.78 |  | N/A |  | REDACTED | $77.00 |  | Monthly | 42.20% | 41.41% | 41.41% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 90.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - 2025, 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 05/19/2025 | 05/19/2025 |  |  |  | 688 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Missing |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 141285.31 | 13.7 | No | 77.42 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 75922064 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 3.11.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 6145 | 05/26/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.491% |  | 9.875% | 9.875% | $1133.19 | No | REDACTED | REDACTED | $2488.56 | $207.38 | $520.08 | $43.34 | $1653.64 | $3397.45 |  | N/A | REDACTED | REDACTED | $43.34 |  | Monthly | 24.47% | 24.51% | 24.51% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 48 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp, Other REO Net Rental Income(Loss) - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 05/07/2025 | 05/07/2025 |  |  |  | 738 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Passport |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 122029.48 | 35.9 | No | 79.79 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 78247063 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 3.11.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 3471.8 | 05/26/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.321% |  | 9.125% | 9.125% | $1798.13 | No | REDACTED | REDACTED | $3482.04 | $290.17 | $750.00 | $62.50 | $2308.03 | $5753.20 |  | N/A |  | REDACTED | $62.50 |  | Annually | 20.61% | 20.73% | 20.73% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 90.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SEPartnership, SEPartnership - CPA Letter Verified, Executed 4506T Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - Executed 4506T Verified - 2025, 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 05/08/2025 | 05/08/2025 |  |  |  | 757 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 72041.09 | 12.5 | 285966.05 | 49.7 | No | 74.88 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 79765507 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 3.11.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 9715 | 06/02/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.880% |  | 8.625% | 8.625% | $3546.72 | No | REDACTED | REDACTED | $2402.52 | $200.21 | $0.00 | $0.00 | $5984.71 | $10368.70 |  | N/A |  |  | $0.00 |  |  | 49.18% | 49.18% | 49.18% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 0 | 1 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 1 | NA | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No | Yes | 0 | 0 | 56.77% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 216 | 30 | Other | No | 0 |  |  | Borrower - SESoleProprietor - Executed 4506T Verified, IRS Transcripts Verified, Personal Bank Statements Verified - 2025, 2024 \|\| Co Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified, IRS Transcripts Verified - 2025, 2024, 2023 | Borrower - Executed 4506T Verified, IRS Transcripts Verified - 2025, 2024 \|\| Co Borrower - Executed 4506T Verified, IRS Transcripts Verified - 2025, 2024, 2023 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 05/13/2025 | 05/13/2025 | 05/13/2025 |  |  | 777 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Passport |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | N/A |  |  | US Citizen | US Citizen | N/A | Passport |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 139085.30 | 13.4 | No | 48.35 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | 70625496 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 3.11.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 6003 | 05/26/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.155% |  | 10.000% | 10.000% | $1523.46 | No | REDACTED | REDACTED | $2021.04 | $168.42 | $0.00 | $0.00 | $2563.02 | $5199.24 |  | N/A |  |  | $0.00 |  |  | 27.52% | 27.35% | 27.35% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 48 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 04/23/2025 | 04/23/2025 |  |  |  | 809 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | PATRIOT ACT INFORMATION FORM | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 169753.22 | 32.7 | No | 78.17 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 77617528 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 3.11.25 | REDACTED | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  | REDACTED | Manual Underwriting | Manual Underwriting | No |  |  | 11.500% | 11.500% | $1119.03 | No | REDACTED | REDACTED | $819.96 | $68.33 | $0.00 | $0.00 | $1736.42 | $3177.03 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.471 | 1.47 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 03/21/2025 | 03/21/2025 |  |  |  | 720 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7 | 08/01/2015 | 11/01/2016 | 0 | 102 |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | .00 | 0 | 70986.15 | 20.3 | No | 79.91 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 74009162 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 3.11.25 | REDACTED | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  | 05/26/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 0.000% |  | 11.000% | 11.000% | $1428.49 | No | REDACTED | REDACTED | $1500.96 | $125.08 | $0.00 | $0.00 | $2038.71 | $4121.62 |  | N/A |  |  | $0.00 |  |  | 48.91% | 49.35% | 49.35% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 2YR Full Doc | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 2 | 0 | 2 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 23 | 23 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, N/A, Subject Property Net Rental Income(Loss) if NOO, SESoleProprietor - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Lease Agreements Verified - 2023, 2024, 2025 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified - 2023, 2024 | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified - 2023, 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 05/05/2025 | 05/05/2025 | 05/05/2025 |  |  | 722 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Disclosure | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | Patriot Act Disclosure | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 79.24 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | 74273590 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 5.12.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 8854 | 05/26/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.164% |  | 9.875% | 9.875% | $3408.27 | No | REDACTED | REDACTED | $3951.96 | $329.33 | $0.00 | $0.00 | $4550.89 | $9329.37 |  | N/A |  |  | $0.00 |  |  | 45.72% | 38.79% | 38.79% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Accountant/Bookkeeper |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 05/29/2025 | 05/29/2025 |  |  |  | 729 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Standard Driver's License - Not for federal use |  | REDACTED | REDACTED | REDACTED |  |  | I-551 Permanent Resident Card |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 74.76 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 79487396 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 5.12.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 6844 | 06/02/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.188% |  | 9.875% | 9.875% | $2605.05 | No | REDACTED | REDACTED | $1653.96 | $137.83 | $2832.00 | $236.00 | $8067.92 | $13167.93 |  | N/A | REDACTED | REDACTED | $236.00 |  | Monthly | 42.43% | 42.35% | 42.35% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 24 | Tax Preparer |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 06/02/2025 | 06/02/2025 |  |  |  | 736 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Disclosure | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 63.28 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 74703748 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 5.12.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 12560 | 06/02/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.038% |  | 8.750% | 8.750% | $4057.41 | No | REDACTED | REDACTED | $3645.00 | $303.75 | $0.00 | $0.00 | $8497.77 | $15673.05 |  | N/A |  |  | $0.00 |  |  | 19.18% | 19.18% | 19.18% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 50.00% |  |  | Third-Party Prepared (Unaudited) | 17 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 05/28/2025 | 05/28/2025 |  |  |  | 772 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 88287.61 | 5.6 | No | 51.65 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 76775957 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 5.12.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 5693 | 06/02/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.726% |  | 10.375% | 10.375% | $2263.52 | No | REDACTED | REDACTED | $2312.04 | $192.67 | $0.00 | $0.00 | $1766.79 | $4483.62 |  | N/A |  |  | $0.00 |  |  | 29.11% | 29.42% | 29.42% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 28 | CPA |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 05/13/2025 | 05/13/2025 |  |  |  | 679 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | PATRIOT ACT INFORMATION FORM | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 240811.26 | 53.7 | No | 48.34 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | REDACTED |  |  |  |
| REDACTED |  | 78477052 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 3.11.25 | REDACTED | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  | 06/02/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 0.000% |  | 11.500% | 11.500% | $1004.16 | No | REDACTED | REDACTED | $1969.08 | $164.09 | $0.00 | $0.00 | $2879.07 | $4851.64 |  | N/A |  |  | $0.00 |  |  | 47.59% | 46.72% | 46.72% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 03/25/2025 | 03/25/2025 |  |  |  | 689 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | PATRIOT ACT INFORMATION FORM | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 29957.87 | 6.4 | No | 54.73 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 73140692 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 5.12.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 1251.25 | 06/02/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.260% |  | 9.000% | 9.000% | $1088.67 | No | REDACTED | REDACTED | $1101.72 | $91.81 | $0.00 | $0.00 | $886.48 | $2640.00 |  | N/A |  |  | $0.00 |  |  | 41.45% | 44.63% | 44.63% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 1 | 24 | Work Number |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 06/04/2025 | 06/04/2025 |  |  |  | 745 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 116888.81 | 50.7 | No | 74.6 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 71242182 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 5.12.25 | REDACTED | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  | 05/12/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 0.000% |  | 10.250% | 10.250% | $1595.06 | No | REDACTED | REDACTED | $553.92 | $46.16 | $0.00 | $0.00 | $1634.52 | $3714.31 |  | N/A |  |  | $0.00 |  |  | 47.93% | 47.92% | 47.92% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 2 | 0 |  |  | 2 | 2 | NA |  | No | No | 60 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 120 | 29 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Commission, Asset Depletion, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 05/16/2025 | 05/16/2025 |  |  |  | 723 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Disclosure | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 79.45 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | REDACTED |  |  |  |
| REDACTED |  | 79742405 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 5.12.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/02/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 0.000% |  | 9.750% | 9.750% | $773.24 | No | REDACTED | REDACTED | $1163.04 | $96.92 | $0.00 | $0.00 | $834.33 | $1896.49 |  | N/A |  |  | $0.00 |  |  | 12.00% | 11.84% | 11.84% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 50.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESCorp, Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower - SESCorp - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 \|\| Co Borrower - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 05/13/2025 | 05/13/2025 | 05/13/2025 |  |  | 712 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | PATRIOT ACT INFORMATION FORM | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | PATRIOT ACT INFORMATION FORM | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 83540.71 | 44.1 | No | 44.16 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | 73349626 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 3.11.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 17315 | 06/02/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.694% |  | 9.250% | 9.250% | $4113.38 | No | REDACTED | REDACTED | $1187.28 | $98.94 | $0.00 | $0.00 | $871.39 | $5488.45 | $9766.81 | N/A |  |  | $0.00 |  |  | 41.03% | 39.76% | 39.76% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 120 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SECorporation - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower | Borrower - 2024, 2025 \|\| Co Borrower | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 04/09/2025 | 04/09/2025 | 04/10/2025 |  |  | 707 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 74.56 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | 75009858 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 5.12.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 4035 | 06/09/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.259% |  | 8.750% | 8.750% | $1060.46 | No | REDACTED | REDACTED | $1887.00 | $157.25 | $0.00 | $0.00 | $3091.64 | $5062.94 |  | N/A |  |  | $0.00 |  |  | 99.43% | 49.72% | 49.72% | No |  |  |  |  |  |  |  | Retired |  |  |  |  |  | 1YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 1 | Yes |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Retirement, SSI and Disability, Military and Government Assistance - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Award Letter Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 05/27/2025 | 05/27/2025 |  |  |  | 727 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 5009.13 | 1 | 5009.13 | 1 | No | 76.88 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | REDACTED |  |  |  |
| REDACTED |  | 79371162 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 5.12.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 1838.75 | 06/09/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.983% |  | 8.625% | 8.625% | $505.56 | No | REDACTED | REDACTED | $1386.00 | $115.50 | $501.60 | $41.80 | $956.18 | $1719.31 |  | N/A | REDACTED | REDACTED | $41.80 | 07/01/2025 | Monthly | 37.09% | 35.64% | 35.64% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 05/27/2025 | 05/27/2025 |  |  |  | 758 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 28366.94 | 16.5 | No | 53.53 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 71917245 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 5.12.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 2045 | 06/09/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.872% |  | 8.375% | 8.375% | $644.95 | No | REDACTED | REDACTED | $2486.04 | $207.17 | $630.00 | $52.50 | $1161.96 | $2394.92 |  | N/A | REDACTED | REDACTED | $52.50 |  | Annually | 79.58% | 42.02% | 42.02% | No | No |  |  |  |  |  |  | Retired | Employed |  |  |  |  | 2YR Full Doc | 0 | 2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | Yes | NA | No | No | 0 | No | Yes | N/A | 2 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 1 | 24 | Work Number | No | 0 |  |  | Borrower - SSI and Disability - 2 YRS IRS Transcripts Verified, Award Letter Verified, Personal Bank Statements Verified - 2024 - 2024 \|\| Co Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, null Personal Bank Statements Verified - 2023, 2024, 2025 | Borrower - 2 YRS IRS Transcripts Verified - 2024 - 2024 \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 06/09/2025 | 06/09/2025 | 06/09/2025 |  |  | 739 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 13657.25 | 5.7 | 83822.44 | 35 | No | 61.2 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | 78517926 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 5.12.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/09/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 0.000% |  | 9.625% | 9.625% | $2124.96 | No | REDACTED | REDACTED | $1254.12 | $104.51 | $0.00 | $0.00 | $2295.25 | $5164.41 |  | N/A |  |  | $0.00 |  |  | 38.74% | 38.91% | 38.91% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 05/21/2025 | 05/21/2025 |  |  |  | 779 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | PATRIOT ACT INFORMATION FORM | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 244100.54 | 47.3 | No | 50.95 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 76509581 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 5.12.25 | REDACTED | QM: Rebuttable Presumption (RP) | Yes | No | No | N/A | N/A | 2282.25 | 06/09/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 12.889% |  | 12.000% | 12.000% | $591.28 | No | REDACTED | REDACTED | $2624.28 | $218.69 | $0.00 | $0.00 | $881.51 | $2049.67 |  | N/A |  |  | $0.00 |  |  | 42.07% | 42.04% | 42.04% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 3 | 53 | Work Number |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 05/29/2025 | 05/29/2025 |  |  |  | 666 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 6262.44 | 3.1 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 78035404 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 5.12.25 | REDACTED | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  | 06/09/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 0.000% |  | 9.375% | 9.375% | $1385.98 | No | REDACTED | REDACTED | $4617.00 | $384.75 | $0.00 | $0.00 | $1098.17 | $3589.84 |  | N/A |  |  | $0.00 |  |  | 40.53% | 43.48% | 43.48% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 2 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 1 | 24 | Work Number |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Commission, Subject Property Net Rental Income(Loss) if NOO - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - 2023, 2024, 2025 | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 05/12/2025 | 05/12/2025 |  |  |  | 744 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 638250.25 | 177.8 | 783450.25 | 218.2 | No | 48.13 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 76840524 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 3.11.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 1500 | 04/28/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.903% |  | 8.875% | 8.875% | $5967.34 | No | REDACTED | REDACTED | $9681.96 | $806.83 | $0.00 | $0.00 | $4226.66 | $13025.07 |  | N/A |  |  | $0.00 |  |  | 16.63% | 16.63% | 16.63% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 100.00% | 95.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 30 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SEPartnership - CPA Letter Verified, Business Bank Statements Verified - 2025, 2024, 2023 | Borrower - 2025, 2024, 2023 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 04/04/2025 | 04/04/2025 |  |  |  | 764 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 230331.34 | 17.7 | 230331.34 | 17.7 | No | 49.62 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 73918025 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 5.12.25 | REDACTED | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  | 06/09/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 0.000% |  | 9.625% | 9.625% | $2065.81 | No | REDACTED | REDACTED | $4650.96 | $387.58 | $0.00 | $0.00 | $1048.92 | $4146.11 |  | N/A |  |  | $0.00 |  |  | 41.04% | 40.74% | 40.74% | Yes | Yes |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 1 | NA | Yes | No | No | 0 | No | No | Yes | 0 | 0 | Yes | Yes | 2 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 51 | 30 | Other | Yes | 106 | 6 | Other | No | 0 |  |  | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, Executed 4506T Verified, IRS Transcripts Verified, null Personal Bank Statements Verified - 2025, 2024, 2023 \|\| Co Borrower - Wage, Retirement - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, Executed 4506T Verified, IRS Transcripts Verified, Award Letter Verified, Personal Bank Statements Verified - 2025, 2024, 2023 | Borrower - Executed 4506T Verified, IRS Transcripts Verified - 2025, 2024, 2023 \|\| Co Borrower - Executed 4506T Verified, IRS Transcripts Verified - 2025, 2024, 2023 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 06/10/2025 | 06/10/2025 | 06/10/2025 |  |  | 741 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 8938.55 | 2.2 | 123868.16 | 29.9 | No | 74.92 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | 76076603 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 5.12.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 495 | 06/09/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 12.866% |  | 12.625% | 12.625% | $773.91 | No | REDACTED | REDACTED | $2085.00 | $173.75 | $0.00 | $0.00 | $3891.72 | $5974.98 |  | N/A |  |  | $0.00 |  |  | 37.80% | 37.78% | 37.78% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 42 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 05/15/2025 | 05/15/2025 |  |  |  | 698 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Other | Patriot Act Disclosure | REDACTED | REDACTED | REDACTED |  |  | I-151 Permanent Resident Card |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 79.83 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 70459425 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 3.11.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 12809.11 | 06/09/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 11.047% |  | 10.375% | 10.375% | $2473.35 | No | REDACTED | REDACTED | $756.00 | $63.00 | $0.00 | $0.00 | $4973.98 | $8073.85 |  | N/A |  |  | $0.00 |  |  | 41.44% | 40.94% | 40.94% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 07/10/2025 | 07/10/2025 |  |  |  | 704 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Other |  | REDACTED | REDACTED | REDACTED |  |  | I-151 Permanent Resident Card |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 252637.94 | 31.3 | No | 84.83 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 76643757 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 5.12.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 4075 | 06/09/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.367% |  | 10.250% | 10.250% | $4202.72 | No | REDACTED | REDACTED | $2400.00 | $200.00 | $0.00 | $0.00 | $3502.55 | $9216.91 | $9893.28 | N/A |  |  | $0.00 |  |  | 50.00% | 49.87% | 49.87% | No | No |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | 2YR Full Doc | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 2 | 0 | 2 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 100.00% |  | N/A | 0 | N/A | Borrower Prepared | Borrower | 5 | NA | 0 | No | 0 | Yes | 11 | 11 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - SESoleProprietor - 2 YRS Personal Tax Returns Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025 | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 04/18/2025 | 04/18/2025 | 04/18/2025 |  |  | 691 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 109.54 | 0 | No | 66.84 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | 70244615 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 3.11.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 1480 | 06/09/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.298% |  | 8.875% | 8.875% | $745.06 | No | REDACTED | REDACTED | $1647.96 | $137.33 | $1100.04 | $91.67 | $827.40 | $1937.24 |  | N/A | REDACTED | REDACTED | $91.67 | 07/01/2025 | Annually | 40.73% | 40.73% | 40.73% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 1 | 24 | Work Number |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 05/06/2025 | 05/06/2025 |  |  |  | 722 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 70891.74 | 36.6 | No | 59.69 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 70764144 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 5.12.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 714.57 | 06/09/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.645% |  | 9.500% | 9.500% | $932.13 | No | REDACTED | REDACTED | $3249.00 | $270.75 | $1332.00 | $111.00 | $1935.21 | $4015.68 |  | N/A | REDACTED | REDACTED | $111.00 | 07/01/2025 | Monthly | 36.09% | 36.09% | 36.09% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 1 | 24 | Work Number |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 05/28/2025 | 05/28/2025 |  |  |  | 686 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 96894.71 | 25.7 | No | 60.61 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 79390715 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 5.12.25 | REDACTED | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  | REDACTED | Manual Underwriting | Manual Underwriting | No |  |  | 9.250% | 9.250% | $411.34 | No | REDACTED | REDACTED | $659.04 | $54.92 | $0.00 | $0.00 | $1135.20 | $2001.40 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.099 | 1.099 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 04/25/2025 | 04/25/2025 |  |  |  | 758 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Disclosure | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 43.83 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 73895744 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 3.11.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 10057.45 | 06/09/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 11.644% |  | 11.250% | 11.250% | $3399.41 | No | REDACTED | REDACTED | $6240.96 | $520.08 | $480.00 | $40.00 | $9853.50 | $16415.71 |  | N/A |  | REDACTED | $40.00 |  | Monthly | 39.49% | 39.66% | 39.66% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SEPartnership - CPA Letter Verified, Executed 4506T Verified, Business Bank Statements Verified | Borrower - Executed 4506T Verified | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 05/05/2025 | 05/05/2025 |  |  |  | 742 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 272652.16 | 16.6 | 611377.09 | 37.2 | No | 88.92 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 71634777 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 5.12.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 5245.63 | 06/16/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 12.036% |  | 11.625% | 11.625% | $1874.70 | No | REDACTED | REDACTED | $4167.72 | $347.31 | $2868.00 | $239.00 | $2505.87 | $5189.46 |  | N/A | REDACTED | REDACTED | $239.00 | 07/01/2025 | Monthly | 48.88% | 48.73% | 48.73% | No | No |  |  |  |  |  |  | Employed | Retired |  |  |  |  | 2YR Full Doc | 2 | 1 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | Yes | No | No | 0 | No | No | Yes | 0 | 0 | Yes | N/A | 2 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 1 | 24 | Work Number | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - SSI and Disability, Retirement - 1 YR W2 1099 Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified, Personal Bank Statements Verified - 2024, 2023 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2023 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 06/13/2025 | 06/13/2025 | 06/13/2025 |  |  | 671 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | 03/01/2017 | 02/01/2018 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 7041.85 | 1.4 | 72841.45 | 14 | No | 74.95 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | 71195688 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 3.11.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 2444 | 06/16/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 11.962% |  | 11.250% | 11.250% | $509.91 | No | REDACTED | REDACTED | $1146.36 | $95.53 | $5172.00 | $431.00 | $657.28 | $1909.38 |  | Yes | REDACTED | REDACTED | $431.00 | 07/01/2025 | Monthly | 47.17% | 46.63% | 46.63% | No | No |  |  |  |  |  |  | Retired | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | Yes | NA | No | No | 0 | No | Yes | Yes | 2 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 1 | 24 | FNMA 1005 | No | 0 |  |  | Borrower - SSI and Disability - 2 YRS W2 1099 Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified, Personal Bank Statements Verified - 2023, 2024 \|\| Co Borrower - Wage, Commission - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024 \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 05/02/2025 | 05/02/2025 | 05/02/2025 |  |  | 671 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 137.54 | 0.1 | 4769.64 | 2.5 | No | 58.61 | Yes | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | 72687213 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 3.11.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 5281.9 | 06/16/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 13.188% |  | 12.375% | 12.375% | $1348.13 | No | REDACTED | REDACTED | $1610.04 | $134.17 | $0.00 | $0.00 | $967.51 | $2673.50 |  | N/A |  |  | $0.00 |  |  | 38.37% | 38.38% | 38.37% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 314 | 28 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 05/07/2025 | 05/07/2025 |  |  |  | 676 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 79.61 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 73991553 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 5.12.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 4347.5 | 06/16/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.570% |  | 8.500% | 8.500% | $5766.85 | No | REDACTED | REDACTED | $10108.92 | $842.41 | $0.00 | $0.00 | $2887.29 | $10929.43 |  | N/A |  |  | $0.00 |  |  | 46.68% | 46.42% | 46.42% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | NA |  | N/A | 0 |  |  | 2 | 2 |  |  | 1 | 1 | NA |  | No | No | 0 | No | Yes | Yes | 2 | 2 | No |  |  |  | 0.00% | 100.00% |  |  | Borrower Prepared | 5 | Borrower |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1), YTD Profit And Loss Verified, 2 YRS W2 1099 Verified, Executed 4506T Verified, IRS Transcripts Verified, Personal Bank Statements Verified, Business Bank Statements Verified, Lease Agreements Verified - 2025, 2024, 2023 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1), Executed 4506T Verified, IRS Transcripts Verified - 2025, 2024, 2023 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 06/17/2025 | 06/17/2025 |  |  |  | 723 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 28315.83 | 2.6 | 360489.59 | 33 | No | 72.9 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | REDACTED |  |  |  |
| REDACTED |  | 77745294 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 3.11.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 1500 | 06/16/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.932% |  | 9.875% | 9.875% | $3429.98 | No | REDACTED | REDACTED | $6723.96 | $560.33 | $0.00 | $0.00 | $2154.60 | $7315.78 |  | N/A |  |  | $0.00 |  |  | 22.03% | 29.01% | 29.01% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 122 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 05/05/2025 | 05/05/2025 |  |  |  | 711 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7 | 06/01/2017 | 09/01/2017 | 1 | 94 |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 387774.34 | 53 | No | 68.73 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 79950358 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 5.12.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 5533 | 07/14/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.570% |  | 10.250% | 10.250% | $2143.34 | No | REDACTED | REDACTED | $1895.04 | $157.92 | $1068.00 | $89.00 | $550.72 | $3042.56 |  | N/A | REDACTED | REDACTED | $89.00 | 08/01/2025 | Monthly | 38.08% | 36.95% | 36.95% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 1 | 24 | Work Number |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 06/17/2025 | 06/17/2025 |  |  |  | 777 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | PATRIOT ACT INFORMATION FORM | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 202563.12 | 66.6 | No | 89.93 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 79671728 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 5.12.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 4456.25 | 06/16/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.509% |  | 10.375% | 0.000% | $4456.87 | No | REDACTED | REDACTED | $12222.00 | $1018.50 | $1824.00 | $152.00 | $5141.39 | $11466.76 |  | N/A |  | REDACTED | $152.00 |  | Monthly | 28.72% | 28.45% | 28.45% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 50.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SEPartnership - Executed 4506T Verified, Business Bank Statements Verified - 2025, 2024 \|\| Co Borrower - SEPartnership - Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - Executed 4506T Verified - 2025, 2024 \|\| Co Borrower - Executed 4506T Verified - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 04/21/2025 | 04/21/2025 | 04/21/2025 |  |  | 699 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 69362.67 | 6 | 551337.87 | 48.1 | No | 74.66 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | 73191230 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 5.12.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 2094 | 06/16/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.957% |  | 8.500% | 8.500% | $461.35 | No | REDACTED | REDACTED | $1545.96 | $128.83 | $0.00 | $0.00 | $2596.66 | $3330.75 |  | N/A |  |  | $0.00 |  |  | 41.04% | 41.18% | 41.18% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 132 | 32 | FNMA 1005 |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified, IRS Transcripts Verified - 2025, 2024, 2023 | Borrower - Executed 4506T Verified, IRS Transcripts Verified - 2025, 2024, 2023 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 05/29/2025 | 05/29/2025 |  |  |  | 783 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 40158.44 | 12.1 | No | 72.38 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 79480432 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 5.12.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 9190 | 06/16/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.100% |  | 8.875% | 8.875% | $3978.22 | No | REDACTED | REDACTED | $11242.20 | $936.85 | $0.00 | $0.00 | $4738.07 | $13254.96 |  | N/A |  |  | $0.00 |  |  | 32.97% | 32.95% | 32.95% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Missing | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 06/13/2025 | 06/13/2025 |  |  |  | 801 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | PATRIOT ACT INFORMATION FORM | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 485857.67 | 36.7 | No | 32.93 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 79128107 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 3.11.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 10200 | 06/16/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 12.334% |  | 11.750% | 11.750% | $2575.54 | No | REDACTED | REDACTED | $4302.96 | $358.58 | $0.00 | $0.00 | $3225.82 | $6975.00 |  | N/A |  |  | $0.00 |  |  | 42.45% | 42.46% | 42.45% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 2 | 0 |  |  | 1 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 40 | CPA |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - 2 YRS Personal Tax Returns Verified, YTD Profit And Loss Verified, Executed 4506T Verified, IRS Transcripts Verified - 2025, 2024, 2023 | Borrower - 2 YRS Personal Tax Returns Verified, Executed 4506T Verified, IRS Transcripts Verified - 2025, 2024, 2023 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 04/15/2025 | 04/15/2025 |  |  |  | 671 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 157917.15 | 22.6 | No | 71.82 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 72185584 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 5.12.25 | REDACTED | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  | 06/23/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 0.000% |  | 9.000% | 9.000% | $1538.68 | No | REDACTED | REDACTED | $2541.96 | $211.83 | $1200.00 | $100.00 | $1223.19 | $3616.28 |  | N/A | REDACTED | REDACTED | $100.00 | 08/01/2025 | Monthly | 40.45% | 40.46% | 40.46% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 06/16/2025 | 06/16/2025 |  |  |  | 783 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 187676.56 | 51.9 | No | 71.57 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 78341784 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 5.12.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 795 | 06/23/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.795% |  | 8.750% | 8.750% | $4720.20 | No | REDACTED | REDACTED | $2424.00 | $202.00 | $0.00 | $0.00 | $1323.52 | $7204.24 |  | N/A |  |  | $0.00 |  |  | 40.26% | 40.45% | 40.45% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 06/09/2025 | 06/09/2025 |  |  |  | 792 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Disclosure | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 38.75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | REDACTED |  |  |  |
| REDACTED |  | 79443910 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 5.12.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 588.74 | 06/23/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 12.773% |  | 12.750% | 12.750% | $4810.35 | No | REDACTED | REDACTED | $1035.00 | $86.25 | $408.00 | $34.00 | $5230.94 | $10764.42 |  | N/A |  | REDACTED | $34.00 |  | Monthly | 49.55% | 47.01% | 47.01% | No | No |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 0 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  | Proceeds from Sale | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 23 | 23 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage - 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified - 2025, 2024, 2023 \|\| Co Borrower | Borrower - Executed 4506T Verified - 2025, 2024, 2023 \|\| Co Borrower | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 06/09/2025 | 06/09/2025 |  |  |  | 728 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  | US Citizen | N/A |  |  |  | United States |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 151034.73 | 14 | 88868.93 | 8.3 | No | 89.99 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED | 2506188610 | 74876573 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 5.12.25 | REDACTED | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  | REDACTED | Manual Underwriting | Manual Underwriting | No |  |  | 9.875% | 9875.000% | $2257.71 | No | REDACTED | REDACTED | $1342.92 | $111.91 | $0.00 | $0.00 | $1615.96 | $4595.15 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.541 | 1.54 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 05/16/2025 | 05/16/2025 |  |  |  | 774 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 43.19 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 74188511 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 5.12.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 4960 | 06/16/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 11.386% |  | 10.875% | 10.875% | $1283.30 | No | REDACTED | REDACTED | $2625.96 | $218.83 | $0.00 | $0.00 | $1289.29 | $3112.74 |  | N/A |  |  | $0.00 |  |  | 42.37% | 42.01% | 42.00% | No | No |  |  |  |  |  |  | Retired | Retired |  |  |  |  | 2YR Full Doc | 2 | 2 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SSI and Disability, Retirement - 2 YRS W2 1099 Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024 \|\| Co Borrower - SSI and Disability - 2 YRS W2 1099 Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024 \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 06/16/2025 | 06/16/2025 | 06/16/2025 |  |  | 750 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 83.8 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | 78069581 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 3.11.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 1635.9 | 06/23/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.132% |  | 10.000% | 10.000% | $1852.84 | No | REDACTED | REDACTED | $2691.96 | $224.33 | $3240.00 | $270.00 | $2090.21 | $5544.08 |  | N/A | REDACTED | REDACTED | $270.00 |  | Monthly | 42.50% | 42.50% | 42.50% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Accountant/Bookkeeper |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 06/30/2025 | 06/30/2025 |  |  |  | 742 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | I-151 Permanent Resident Card |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 77118491 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 5.12.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 3111.25 | 06/23/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.692% |  | 8.250% | 8.250% | $638.91 | No | REDACTED | REDACTED | $949.32 | $79.11 | $0.00 | $0.00 | $975.86 | $2002.63 |  | N/A |  |  | $0.00 |  |  | 43.79% | 43.79% | 43.78% | No |  |  |  |  |  |  |  | Retired |  |  |  |  |  | 1YR Full Doc | 1 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | Yes |  | No | No | 0 | No | Yes | Yes | 2 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Retirement, SSI and Disability - 1 YR W2 1099 Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified, Personal Bank Statements Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 07/08/2025 | 07/08/2025 |  |  |  | 781 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 530.35 | 0.3 | 29441.38 | 14.7 | No | 59.91 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 70055410 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 5.12.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 1730 | 06/23/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.664% |  | 8.625% | 8.625% | $4567.96 | No | REDACTED | REDACTED | $3399.96 | $283.33 | $3672.00 | $306.00 | $5733.35 | $12632.83 |  | N/A | REDACTED | REDACTED | $306.00 |  | Monthly | 38.64% | 38.66% | 38.66% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 318 | 30 | Other |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Commission - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 07/11/2025 | 07/11/2025 |  |  |  | 740 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 69.91 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 74325271 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 3.11.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 1690 | 06/23/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.778% |  | 8.625% | 0.000% | $5833.42 | No | REDACTED | REDACTED | $1485.96 | $123.83 | $0.00 | $0.00 | $2489.36 | $9537.71 |  | N/A |  |  | $0.00 |  |  | 25.33% | 25.37% | 25.37% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 2 | 2 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Borrower Prepared | 17 | Borrower |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(K1), YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2022 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(K1), 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2022 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 04/23/2025 | 04/23/2025 |  |  |  | 816 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | PATRIOT ACT INFORMATION FORM | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 740302.56 | 77.6 | No | 76.82 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | REDACTED |  |  |  |
| REDACTED |  | 76575486 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 5.12.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 2400 | 06/23/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.087% |  | 9.500% | 9.500% | $672.69 | No | REDACTED | REDACTED | $1317.96 | $109.83 | $0.00 | $0.00 | $3583.47 | $5126.82 |  | N/A |  |  | $0.00 |  |  | 32.91% | 32.64% | 32.64% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 06/23/2025 | 06/23/2025 |  |  |  | 750 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | PATRIOT ACT INFORMATION FORM | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 76561.00 | 14.9 | No | 68.59 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 75422744 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 5.12.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 9790 | 06/23/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.275% |  | 9.000% | 0.000% | $3298.95 | No | REDACTED | REDACTED | $2724.96 | $227.08 | $1056.00 | $88.00 | $1257.22 | $5626.72 |  | N/A | REDACTED | REDACTED | $88.00 | 08/01/2025 | Monthly | 24.92% | 24.62% | 24.62% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 06/12/2025 | 06/12/2025 |  |  |  | 806 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | PATRIOT ACT INFORMATION FORM | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 404593.50 | 71.9 | No | 64.92 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | REDACTED |  |  |  |
| REDACTED |  | 77817143 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 5.12.25 | REDACTED | ATR/QM: Exempt | No | No | No | N/A | N/A |  | 06/30/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 0.000% |  | 9.375% | 9.375% | $1136.50 | No | REDACTED | REDACTED | $513.00 | $42.75 | $912.00 | $76.00 | $729.46 | $2108.84 |  | N/A |  | REDACTED | $76.00 |  | Monthly | 32.69% | 32.68% | 32.68% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 2YR Full Doc | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 2 | 2 | 2 | 0 | 1 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 51.00% |  |  | Borrower Prepared | 5 | Borrower | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1), YTD Profit And Loss Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Executed 4506T Verified, IRS Transcripts Verified - 2025, 2024, 2023 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, Executed 4506T Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1), Executed 4506T Verified, IRS Transcripts Verified - 2025, 2024, 2023 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, Executed 4506T Verified | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 05/29/2025 | 05/29/2025 | 05/29/2025 |  |  | 739 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 116707.35 | 57.4 | No | 79.72 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | 72858861 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 5.12.25 | REDACTED | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  | 06/30/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 0.000% |  | 11.750% | 11.750% | $1261.76 | No | REDACTED | REDACTED | $3164.04 | $263.67 | $0.00 | $0.00 | $1048.17 | $2867.01 |  | N/A |  |  | $0.00 |  |  | 29.71% | 34.75% | 34.75% | No |  |  |  |  |  |  |  | Retired |  |  |  |  |  | 1YR Full Doc | 1 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | Yes |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SSI and Disability, Military and Government Assistance, Retirement, Subject Property Net Rental Income(Loss) if NOO - 1 YR W2 1099 Verified, 3 YRS Executed 4506T Verified, Award Letter Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 06/04/2025 | 06/04/2025 |  |  |  | 669 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7 | 02/01/2020 | 06/01/2020 | 1 | 62 |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 64.48 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 71764017 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 5.12.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 2370 | 06/30/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.332% |  | 9.250% | 9.250% | $3208.43 | No | REDACTED | REDACTED | $2823.96 | $235.33 | $0.00 | $0.00 | $3918.81 | $8473.11 |  | N/A |  |  | $0.00 |  |  | 45.33% | 45.44% | 45.44% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 84 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, SESoleProprietor - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 05/22/2025 | 05/22/2025 |  |  |  | 727 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 385064.41 | 45.5 | No | 62.36 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 77894418 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 5.12.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 1199 | 06/30/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.619% |  | 8.500% | 8.500% | $845.80 | No | REDACTED | REDACTED | $2048.04 | $170.67 | $0.00 | $0.00 | $1591.33 | $3530.50 |  | N/A |  |  | $0.00 |  |  | 35.76% | 35.65% | 35.65% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | Yes |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Retirement - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, null Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 06/30/2025 | 06/30/2025 |  |  |  | 775 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 61.22 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 72214642 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 5.12.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 4980 | 07/07/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.120% |  | 9.625% | 9.625% | $1104.99 | No | REDACTED | REDACTED | $2909.64 | $242.47 | $0.00 | $0.00 | $3209.50 | $5189.70 |  | N/A |  |  | $0.00 |  |  | 44.26% | 44.26% | 44.26% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | NA |  | N/A | 0 |  |  | 2 | 2 |  |  | 3 | 2 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 2 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 12 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(K1, 1120S), 2 YRS W2 1099 Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Business Bank Statements Verified, 1040 Schedule E Verified - 2022, 2023 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(K1, 1120S), 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - 2022, 2023 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 07/03/2025 | 07/03/2025 |  |  |  | 663 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 87809.79 | 17.1 | No | 55.47 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 71006908 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 5.12.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 7358 | 07/07/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.813% |  | 8.750% | 8.750% | $3933.50 | No | REDACTED | REDACTED | $10212.00 | $851.00 | $0.00 | $0.00 | $13101.27 | $22622.47 |  | N/A |  |  | $0.00 |  |  | 42.80% | 42.80% | 42.73% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 2 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 35.13% | 50.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 12 | Yes | 12 | Yes | 1 | 24 | Other | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Overtime and Bonus, SESCorp - CPA Letter Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Business Bank Statements Verified - 2023, 2024, 2025 \|\| Co Borrower - SESCorp - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 07/02/2025 | 07/02/2025 | 07/02/2025 |  |  | 774 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 245000.23 | 11.8 | 735782.06 | 35.6 | No | 44.07 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | 73551083 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 5.12.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 4357.5 | 07/07/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.493% |  | 10.000% | 10.000% | $1316.36 | No | REDACTED | REDACTED | $977.04 | $81.42 | $0.00 | $0.00 | $2335.03 | $4055.97 |  | N/A |  |  | $0.00 |  |  | 49.93% | 49.98% | 49.98% | No | No |  |  |  |  |  |  | Retired | Retired |  |  |  |  | 2YR Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 2 | 0 | 2 | 0 | 3 | 0 | Yes | Yes | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Retirement, SSI and Disability - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, Award Letter Verified - 2022, 2023, 2024, 2025 \|\| Co Borrower - SSI and Disability, Retirement - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, Award Letter Verified - 2022, 2023, 2024, 2025 | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified - 2022, 2023, 2024, 2025 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified - 2022, 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 06/05/2025 | 06/05/2025 | 06/05/2025 |  |  | 665 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Disclosure | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | Patriot Act Disclosure | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 68.12 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | REDACTED | REDACTED |  |  |
| REDACTED |  | 77304747 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 5.12.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 8092.5 | 07/07/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.111% |  | 8.750% | 8.750% | $2194.89 | No | REDACTED | REDACTED | $3950.16 | $329.18 | $0.00 | $0.00 | $1873.83 | $4948.50 |  | N/A |  |  | $0.00 |  |  | 34.15% | 34.15% | 34.15% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 1 | 24 | Work Number | Yes | 1 | 24 | Work Number | No | 0 |  |  | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 07/03/2025 | 07/03/2025 | 07/03/2025 |  |  | 744 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 18613.45 | 3.8 | No | 64.86 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | 78409228 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 5.12.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 2940 | 07/07/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.079% |  | 10.000% | 0.000% | $4387.86 | No | REDACTED | REDACTED | $6999.00 | $583.25 | $3084.00 | $257.00 | $2733.25 | $8525.00 |  | N/A | REDACTED | REDACTED | $257.00 | 08/01/2025 | Monthly | 41.45% | 41.45% | 41.45% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 50.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 06/03/2025 | 06/03/2025 |  |  |  | 703 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | PATRIOT ACT INFORMATION FORM | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 492351.56 | 57.8 | No | 65 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 77907856 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 5.12.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 1690 | 07/07/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.298% |  | 9.250% | 0.000% | $3652.68 | No | REDACTED | REDACTED | $1905.00 | $158.75 | $0.00 | $0.00 | $3340.00 | $8058.85 |  | N/A |  |  | $0.00 |  |  | 36.17% | 37.01% | 37.01% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 72 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Executed 4506T Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - Executed 4506T Verified - 2025, 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 06/16/2025 | 06/16/2025 |  |  |  | 701 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Missing |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 137224.72 | 12.1 | 575768.55 | 50.8 | No | 64.26 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 74388281 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 3.11.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 2670.71 | 07/07/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 11.799% |  | 11.625% | 11.625% | $1225.25 | No | REDACTED | REDACTED | $1821.00 | $151.75 | $0.00 | $0.00 | $992.51 | $2567.53 |  | N/A |  |  | $0.00 |  |  | 48.36% | 48.36% | 48.24% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | Yes |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 16 | 16 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Retirement, SSI and Disability - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 07/11/2025 | 07/11/2025 |  |  |  | 691 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 70539888 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 3.11.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 7783.56 | 07/07/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 12.651% |  | 12.000% | 12.000% | $1784.27 | No | REDACTED | REDACTED | $3336.00 | $278.00 | $783.00 | $65.25 | $1501.54 | $4134.36 |  | N/A | REDACTED | REDACTED | $65.25 |  | Annually | 41.32% | 44.77% | 44.77% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | Yes |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 66.27% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Retirement - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 04/14/2025 | 04/14/2025 |  |  |  | 705 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 84.68 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 73746466 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 5.12.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 1864.5 | 07/07/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.768% |  | 10.125% | 10.125% | $523.89 | No | REDACTED | REDACTED | $2546.04 | $212.17 | $2594.04 | $216.17 | $1853.75 | $3177.28 |  | N/A | REDACTED | REDACTED | $216.17 |  | Annually | 44.04% | 43.63% | 43.62% | No | No |  |  |  |  |  |  | Employed | Retired |  |  |  |  | 2YR Full Doc | 2 | 1 | Less than 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 8 | 8 | Work Number | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - Retirement - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025 - 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025 - 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 06/16/2025 | 06/16/2025 | 06/16/2025 |  |  | 692 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 60.29 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | 70597141 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 3.11.25 | REDACTED | ATR/QM: Exempt | No | No | No | N/A | N/A |  | 05/26/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 0.000% |  | 9.500% | 9.500% | $6306.41 | No | REDACTED | REDACTED | $11530.08 | $960.84 | $0.00 | $0.00 | $5862.50 | $16033.00 |  | N/A |  |  | $0.00 |  |  | 14.54% | 14.52% | 14.52% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 2 | 2 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 50.00% |  |  | Borrower Prepared | 15 | Borrower |  |  |  | Yes | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1065, K1, Extension), CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified - 2022, 2023, 2024, 2025 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1065, K1, Extension), 2 YRS Executed 4506T Verified - 2022, 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 04/30/2025 | 04/30/2025 |  |  |  | 774 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 125193.68 | 7.8 | 125193.68 | 7.8 | No | 65.96 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 79132804 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 5.12.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 8145.58 | 07/07/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 11.469% |  | 10.875% | 10.875% | $1782.06 | No | REDACTED | REDACTED | $2208.96 | $184.08 | $0.00 | $0.00 | $2818.00 | $5634.72 |  | N/A |  |  | $0.00 |  |  | 36.71% | 36.56% | 36.56% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 12 | No |  |  |  | 100.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp - CPA Letter Verified, 2 YRS Executed 4506T Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 07/03/2025 | 07/03/2025 |  |  |  | 663 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 74.68 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 71400034 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 5.12.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 6737 | 07/07/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.146% |  | 9.250% | 9.250% | $1466.60 | No | REDACTED | REDACTED | $1875.36 | $156.28 | $1296.00 | $108.00 | $1776.56 | $3704.34 |  | N/A | REDACTED | REDACTED | $108.00 |  | Monthly | 25.34% | 25.34% | 25.34% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 247 | 30 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 06/12/2025 | 06/12/2025 |  |  |  | 752 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 79.8 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 74781519 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 5.12.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 235 | 07/14/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.827% |  | 8.750% | 8.750% | $550.69 | No | REDACTED | REDACTED | $0.00 | $0.00 | $0.00 | $0.00 | $1690.89 | $2241.58 | $3071.18 | N/A |  |  | $0.00 |  |  | 44.60% | 40.43% | 40.43% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Child Support - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Separation Agreement Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 07/10/2025 | 07/10/2025 |  |  |  | 744 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 54.59 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 72288367 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 5.12.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 4545 | 07/07/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.946% |  | 8.375% | 8.375% | $950.09 | No | REDACTED | REDACTED | $1590.00 | $132.50 | $876.00 | $73.00 | $1544.71 | $3333.17 |  | N/A | REDACTED | REDACTED | $73.00 | 08/01/2025 | Monthly | 37.87% | 39.45% | 39.45% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 2 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 2 | 24 | Work Number |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Other, Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 06/21/2025 | 06/21/2025 |  |  |  | 710 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | PATRIOT ACT INFORMATION FORM | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 27887.37 | 8.4 | No | 71.07 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 72721014 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 5.12.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 1000 | 07/14/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.699% |  | 8.375% | 8.375% | $380.04 | No | REDACTED | REDACTED | $1050.96 | $87.58 | $948.00 | $79.00 | $1110.25 | $1884.73 |  | N/A | REDACTED | REDACTED | $79.00 | 09/01/2025 | Monthly | 41.77% | 42.06% | 42.06% | No | No | 1 - Not Stated Not Verified |  | 5 - Stated, 2YRs Verified + CPA Letter |  | 1 - Not Stated, Not Verified |  | Employed | Retired | Retired |  | .00 |  | 2YR Full Doc | 2 | 2 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | Yes | No | No | 0 | No | No | Yes | 0 | 0 | Yes | N/A | 2 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - Retirement, SSI and Disability - 2 YRS W2 1099 Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified, Personal Bank Statements Verified - 2023, 2024, 2025 \|\| Co Borrower 2 - SSI and Disability - 2 YRS W2 1099 Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified, Personal Bank Statements Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower 2 - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 06/18/2025 | 06/18/2025 | 07/25/2025 | 07/25/2025 |  | 742 | 782 | 810 | 768 |  |  |  | 782 |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 47123.76 | 15.7 | No | 47.8 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | Borrower As Individual | N/A |  |  |  |  |
| REDACTED |  | 77401808 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 5.12.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 1895 | 07/14/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.605% |  | 10.250% | 10.250% | $2337.23 | No | REDACTED | REDACTED | $2040.00 | $170.00 | $1560.00 | $130.00 | $2083.66 | $5525.76 | $12847.51 | N/A | REDACTED | REDACTED | $130.00 | 09/01/2025 | Monthly | 49.09% | 46.32% | 46.32% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 1 | 1 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 1 | 24 | Work Number | Yes | 1 | 24 | FNMA 1005 | No | 0 |  |  | Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 06/30/2025 | 06/30/2025 | 06/30/2025 |  |  | 742 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | PATRIOT ACT INFORMATION FORM | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | PATRIOT ACT INFORMATION FORM | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 172968.87 | 31.3 | No | 67.61 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | 76073621 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 5558.75 | 07/14/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.104% |  | 8.750% | 8.750% | $1062.05 | No | REDACTED | REDACTED | $1574.04 | $131.17 | $0.00 | $0.00 | $1705.31 | $3235.14 |  | N/A |  |  | $0.00 |  |  | 44.06% | 44.06% | 44.06% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | Yes | 6 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 47 | 31 | FNMA 1005 | Yes | 343 | 31 | FNMA 1005 | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - 2023, 2024, 2025 \|\| Co Borrower - Wage, Retirement - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2023, 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 07/11/2025 | 07/11/2025 | 07/11/2025 |  |  | 722 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 47.11 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | 77761611 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 5.12.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 6132.11 | 07/14/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.793% |  | 9.375% | 9.375% | $1502.97 | No | REDACTED | REDACTED | $978.96 | $81.58 | $0.00 | $0.00 | $1023.53 | $2866.46 |  | N/A |  |  | $0.00 |  |  | 22.71% | 22.71% | 22.71% | No | No |  |  |  |  |  |  | Self-Employed | Unknown |  |  |  |  | 2YR Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 2 | 2 | 2 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 50.00% |  |  | Borrower Prepared | 18 | Borrower | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1065, K1, Extension), YTD Profit And Loss Verified, Balance Sheet Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1065, K1, Extension), 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 06/13/2025 | 06/13/2025 | 06/13/2025 |  |  | 768 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 79.9 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | 71484380 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 5.12.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 2340 | 07/14/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.483% |  | 8.875% | 8.875% | $397.82 | No | REDACTED | REDACTED | $1473.12 | $122.76 | $0.00 | $0.00 | $829.08 | $1511.56 |  | N/A |  |  | $0.00 |  |  | 38.03% | 38.03% | 38.03% | No |  |  |  |  |  |  |  | Not Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | Yes |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Retirement, SSI and Disability, Retirement - 1 YR W2 1099 Verified, 3 YRS Executed 4506T Verified, Award Letter Verified - 2024 - 2024 | Borrower - 3 YRS Executed 4506T Verified - 2024 - 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 06/02/2025 | 06/02/2025 |  |  |  | 730 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 37269.43 | 24.7 | No | 39.48 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | REDACTED |  |  |  |
| REDACTED |  | 78110574 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 3.11.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 1000 | 07/14/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 12.050% |  | 11.500% | 11.500% | $584.09 | No | REDACTED | REDACTED | $2883.00 | $240.25 | $0.00 | $0.00 | $1700.82 | $2681.12 |  | N/A |  |  | $0.00 |  |  | 33.02% | 33.47% | 33.47% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 1 | 0 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | Yes | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, SSI and Disability - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - 2023, 2024, 2025 \|\| Co Borrower - Wage, SSI and Disability - 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 05/02/2025 | 05/02/2025 | 05/02/2025 |  |  | 711 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 8304.14 | 3.1 | No | 86.36 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | 78447631 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 5.12.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 2593.25 | 07/14/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.779% |  | 10.125% | 10.125% | $487.75 | No | REDACTED | REDACTED | $12547.08 | $1045.59 | $768.00 | $64.00 | $1620.78 | $3481.93 |  | N/A |  | REDACTED | $64.00 |  | Monthly | 48.65% | 48.62% | 48.62% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 75 | 41 | Other |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified, IRS Transcripts Verified - 2025, 2024, 2023 | Borrower - Executed 4506T Verified, IRS Transcripts Verified - 2025, 2024, 2023 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 06/16/2025 | 06/16/2025 |  |  |  | 696 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 346.84 | 0.1 | No | 54.35 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 71972044 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 5.12.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 6719.68 | 07/14/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.822% |  | 8.250% | 8.250% | $1499.64 | No | REDACTED | REDACTED | $3375.96 | $281.33 | $0.00 | $0.00 | $2284.05 | $4934.68 |  | N/A |  |  | $0.00 |  |  | 40.40% | 40.40% | 40.40% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 1 | 24 | FNMA 1005 | Yes | 1 | 24 | Other | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - Commission - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 06/18/2025 | 06/18/2025 | 06/18/2025 |  |  | 758 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 62876.93 | 12.7 | No | 61.47 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | 79283852 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 5.12.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 3315 | 07/14/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 13.457% |  | 12.625% | 12.625% | $893.07 | No | REDACTED | REDACTED | $4412.04 | $367.67 | $0.00 | $0.00 | $1599.62 | $3314.22 |  | N/A |  |  | $0.00 |  |  | 23.96% | 40.78% | 40.78% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Overtime and Bonus, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 07/17/2025 | 07/17/2025 |  |  |  | 727 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 4507.73 | 1.4 | No | 86.84 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 78643269 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 5.12.25 | REDACTED | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  | 07/21/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 0.000% |  | 11.250% | 11.250% | $692.51 | No | REDACTED | REDACTED | $1325.04 | $110.42 | $3302.04 | $275.17 | $1361.00 | $2818.87 |  | Yes |  | REDACTED | $275.17 |  | Monthly | 43.96% | 43.91% | 43.91% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 162 | 31 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 07/17/2025 | 07/17/2025 |  |  |  | 727 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 79.63 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 78374978 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 5.12.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 5815 | 07/14/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 12.966% |  | 12.250% | 12.250% | $1288.91 | No | REDACTED | REDACTED | $2209.08 | $184.09 | $0.00 | $0.00 | $1432.39 | $3378.86 |  | N/A |  |  | $0.00 |  |  | 41.42% | 41.42% | 41.42% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 226 | 30 | Other | Yes | 25 | 25 | Other | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified, IRS Transcripts Verified - 2025, 2024, 2023 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified, IRS Transcripts Verified - 2025, 2024, 2023 | Borrower - Executed 4506T Verified, IRS Transcripts Verified - 2025, 2024, 2023 \|\| Co Borrower - Executed 4506T Verified, IRS Transcripts Verified - 2025, 2024, 2023 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 06/18/2025 | 06/18/2025 | 06/18/2025 |  |  | 697 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 27238.67 | 8.1 | No | 84.64 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | 78977948 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 5.12.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 1830.46 | 07/14/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.291% |  | 9.000% | 9.000% | $983.85 | No | REDACTED | REDACTED | $1487.64 | $123.97 | $0.00 | $0.00 | $492.42 | $1600.24 |  | N/A |  |  | $0.00 |  |  | 14.82% | 14.82% | 14.82% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 31 | 31 | FNMA 1005 | Yes | 16 | 16 | FNMA 1005 | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Separation Agreement Verified - 2023, 2024, 2025 \|\| Co Borrower - Wage, Retirement - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 06/16/2025 | 06/16/2025 | 06/16/2025 |  |  | 708 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 74.64 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | 77458352 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 5.12.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 07/21/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 0.000% |  | 10.500% | 10.500% | $499.19 | No | REDACTED | REDACTED | $1785.00 | $148.75 | $0.00 | $0.00 | $844.72 | $1761.11 |  | N/A |  |  | $0.00 |  |  | 0.00% | 24.24% | 24.24% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 0 |  | 1 Month |  | N/A | 0 |  |  | 1 | 0 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 3 | 3 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024, 2025 | Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 05/14/2025 | 05/14/2025 |  |  |  | 691 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 48.6 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 74547625 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  | 07/21/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 0.000% |  | 9.750% | 9.750% | $2130.69 | No | REDACTED | REDACTED | $1794.96 | $149.58 | $0.00 | $0.00 | $2250.38 | $5306.49 |  | N/A |  |  | $0.00 |  |  | 44.71% | 44.87% | 44.87% | Yes | Yes |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 2 | 0 | 2 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 24 | 24 | Work Number | Yes | 24 | 24 | Work Number | No | 0 |  |  | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Lease Agreements Verified, 1040 Schedule E Verified - 2022, 2023, 2025, 2024 \|\| Co Borrower - Wage, Overtime and Bonus, SESoleProprietor - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - 2022, 2023, 2024, 2025 | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - 2022, 2023, 2025, 2024 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - 2022, 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 07/22/2025 | 07/22/2025 | 07/22/2025 |  |  | 759 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | PATRIOT ACT INFORMATION FORM | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | PATRIOT ACT INFORMATION FORM | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 5192.66 | 1 | 245804.79 | 46.3 | No | 79.88 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | 71545298 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 5.12.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 995 | 07/21/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.379% |  | 8.250% | 8.250% | $894.67 | No | REDACTED | REDACTED | $1938.00 | $161.50 | $0.00 | $0.00 | $1147.15 | $2417.10 |  | N/A |  |  | $0.00 |  |  | 36.04% | 40.59% | 40.59% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025, 2024, 2023 | Borrower - Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025, 2024, 2023 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 07/03/2025 | 07/03/2025 |  |  |  | 764 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 102513.86 | 50.2 | No | 69.71 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 73369811 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 5.12.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 3860.33 | 07/07/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.831% |  | 8.375% | 8.375% | $766.91 | No | REDACTED | REDACTED | $1443.96 | $120.33 | $0.00 | $0.00 | $1245.22 | $2458.53 | $8393.14 | N/A |  |  | $0.00 |  |  | 32.52% | 32.52% | 32.52% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 07/07/2025 | 07/07/2025 |  |  |  | 732 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 69.79 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 73603971 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 7895.2 | 07/21/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.122% |  | 9.500% | 9.500% | $1421.04 | No | REDACTED | REDACTED | $3489.72 | $290.81 | $2160.00 | $180.00 | $2781.35 | $5297.99 |  | N/A | REDACTED | REDACTED | $180.00 |  | Monthly | 34.52% | 34.52% | 34.52% | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | 2YR Full Doc | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 07/22/2025 | 07/22/2025 | 07/22/2025 |  |  | 790 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 84.34 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | 75532257 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 5.12.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 4770 | 07/21/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.728% |  | 8.250% | 8.250% | $1405.91 | No | REDACTED | REDACTED | $2066.28 | $172.19 | $0.00 | $0.00 | $1862.33 | $3881.64 |  | N/A |  |  | $0.00 |  |  | 40.34% | 39.87% | 39.87% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 1YR Full Doc | 0 | 1 | NA | 1 Month | N/A | 0 | N/A | 0 | 1 | 1 | 1 | 0 | 3 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 0.00% |  | Borrower Prepared | 6 | Borrower | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 2 | 24 | Other | No | 0 |  |  | Borrower - SESCorp - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(K1), YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - 2023 - 2023 \|\| Co Borrower - Wage, Other, Wage - 1 YR Personal Tax Returns Verified, 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(K1), 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - 2023 - 2023 \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 07/08/2025 | 07/08/2025 | 07/08/2025 |  |  | 797 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | PATRIOT ACT INFORMATION FORM | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | PATRIOT ACT INFORMATION FORM | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 38071.97 | 9.8 | No | 42.79 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | 73932871 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 5.12.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 13295 | 07/21/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.375% |  | 9.250% | 9.250% | $3290.70 | No | REDACTED | REDACTED | $1233.00 | $102.75 | $0.00 | $0.00 | $3100.91 | $7380.36 |  | N/A |  |  | $0.00 |  |  | 37.67% | 37.68% | 37.68% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2025, 2024, 2023 | Borrower - 2025, 2024, 2023 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 06/11/2025 | 06/11/2025 |  |  |  | 754 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Missing |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 394065.22 | 0.6 | No | 59.81 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | REDACTED |  |  |  |
| REDACTED |  | 75180451 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 5.12.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 07/21/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 0.000% |  | 11.875% | 11.875% | $720.97 | No | REDACTED | REDACTED | $2162.52 | $180.21 | $0.00 | $0.00 | $1016.91 | $2366.60 |  | N/A |  |  | $0.00 |  |  | 23.72% | 23.72% | 23.72% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 2 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 63 | 30 | Other |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified, Lease Agreements Verified - 2025, 2024, 2023 | Borrower - 2 YRS Personal Tax Returns Verified, Executed 4506T Verified - 2025, 2024, 2023 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 06/25/2025 | 06/25/2025 |  |  |  | 690 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Missing |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 14379.74 | 6.1 | No | 74.46 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 75941349 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 5.12.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 10847.23 | 07/21/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.889% |  | 10.250% | 10.250% | $2067.67 | No | REDACTED | REDACTED | $4326.96 | $360.58 | $0.00 | $0.00 | $3133.84 | $6484.01 |  | N/A |  |  | $0.00 |  |  | 48.20% | 47.85% | 47.85% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 26 | 26 | Other |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 06/10/2025 | 06/10/2025 |  |  |  | 660 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 57.57 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 72119285 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 5.12.25 | REDACTED | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  | 07/21/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 0.000% |  | 9.625% | 9.625% | $1274.98 | No | REDACTED | REDACTED | $3757.56 | $313.13 | $0.00 | $0.00 | $2583.44 | $4483.39 | $7198.16 | N/A |  |  | $0.00 |  |  | 49.23% | 49.23% | 49.23% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 1 | 24 | Work Number |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Overtime and Bonus, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 06/05/2025 | 06/05/2025 |  |  |  | 752 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Passport |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 215628.30 | 48.1 | 277254.29 | 61.8 | No | 50.18 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 70771170 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 5.12.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 9395 | 07/21/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.120% |  | 8.875% | 8.875% | $3723.62 | No | REDACTED | REDACTED | $2600.04 | $216.67 | $5016.00 | $418.00 | $3174.54 | $8294.63 |  | N/A | REDACTED | REDACTED | $418.00 |  | Monthly | 50.39% | 40.33% | 40.33% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 76.88% | 100.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 204 | Yes | 120 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified, Lease Agreements Verified - 2024, 2025 \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified, Lease Agreements Verified - 2024, 2025 | Borrower - 2024, 2025 \|\| Co Borrower - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 06/09/2025 | 06/09/2025 | 06/09/2025 |  |  | 771 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Form | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 67.71 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | REDACTED | REDACTED |  |  |
| REDACTED |  | 73290603 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 5.12.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 14398 | 07/21/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.196% |  | 9.875% | 9.875% | $5427.18 | No | REDACTED | REDACTED | $2076.00 | $173.00 | $360.00 | $30.00 | $4828.43 | $11373.32 |  | N/A |  | REDACTED | $30.00 |  | Monthly | 36.59% | 36.67% | 36.67% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 95.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SEPartnership - CPA Letter Verified, YTD Profit And Loss Verified, Executed 4506T Verified - 2025, 2024 | Borrower - Executed 4506T Verified - 2025, 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 05/07/2025 | 05/07/2025 |  |  |  | 708 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 563005.89 | 49.5 | No | 62.79 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 71697524 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 5.12.25 | REDACTED | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  | 07/21/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 0.000% |  | 9.625% | 9.625% | $7052.32 | No | REDACTED | REDACTED | $19842.00 | $1653.50 | $0.00 | $0.00 | $16411.81 | $28725.10 |  | N/A |  |  | $0.00 |  |  | 29.94% | 26.91% | 26.91% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 18 | CPA |  |  |  | Yes | 84 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 06/09/2025 | 06/09/2025 |  |  |  | 732 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 435636.88 | 15.3 | No | 52.91 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 75029349 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 5.12.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 29393.35 | 07/21/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.151% |  | 9.625% | 9.625% | $5822.43 | No | REDACTED | REDACTED | $2124.00 | $177.00 | $0.00 | $0.00 | $5744.60 | $12403.41 |  | N/A |  |  | $0.00 |  |  | 44.52% | 44.52% | 44.52% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 06/16/2025 | 06/16/2025 |  |  |  | 700 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 554818.08 | 44.7 | No | 69.54 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 74849461 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 5.12.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 2633.84 | 07/21/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.589% |  | 9.375% | 9.375% | $1563.68 | No | REDACTED | REDACTED | $1816.68 | $151.39 | $0.00 | $0.00 | $767.10 | $2644.19 |  | N/A |  |  | $0.00 |  |  | 49.82% | 49.76% | 49.76% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2023, 2025 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2023, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 07/02/2025 | 07/02/2025 |  |  |  | 704 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 131283.52 | 49.7 | No | 74.77 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 72444743 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 1945 | 07/21/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.517% |  | 8.375% | 8.375% | $1288.58 | No | REDACTED | REDACTED | $1059.00 | $88.25 | $0.00 | $0.00 | $2831.02 | $4914.01 |  | N/A |  |  | $0.00 |  |  | 25.64% | 25.64% | 25.60% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 07/09/2025 | 07/09/2025 | 07/09/2025 |  |  | 776 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 75 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | REDACTED | REDACTED |  |  |
| REDACTED |  | 75709787 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 5.12.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 2621.36 | 07/28/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.576% |  | 9.875% | 9.875% | $486.99 | No | REDACTED | REDACTED | $1469.04 | $122.42 | $210.00 | $17.50 | $614.70 | $1406.32 |  | N/A | REDACTED | REDACTED | $17.50 |  | Annually | 25.85% | 25.86% | 25.85% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | Missing | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 58 | 36 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 06/28/2025 | 06/28/2025 |  |  |  | 696 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 69.88 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 72330412 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 4880 | 07/28/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.155% |  | 9.625% | 9.625% | $1019.99 | No | REDACTED | REDACTED | $1054.08 | $87.84 | $0.00 | $0.00 | $997.19 | $2427.89 |  | N/A |  |  | $0.00 |  |  | 49.96% | 49.13% | 49.13% | No | No |  |  |  |  |  |  | Retired | Retired |  |  |  |  | 2YR Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | Yes | Yes | No | No | 0 | No | Yes | Yes | 2 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SSI and Disability - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified, Personal Bank Statements Verified - 2023, 2024 \|\| Co Borrower - SSI and Disability, SSI and Disability - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - 2023, 2024 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024 \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 07/28/2025 | 07/28/2025 | 07/27/2025 |  |  | 737 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Passport |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | N/A |  |  | US Citizen | US Citizen | N/A | Passport |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 314.23 | 0.1 | No | 62.83 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | REDACTED | REDACTED |  |  |
| REDACTED |  | 76518819 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 5.12.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 1892.5 | 06/30/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.734% |  | 8.500% | 8.500% | $1128.65 | No | REDACTED | REDACTED | $4088.16 | $340.68 | $0.00 | $0.00 | $1557.47 | $3121.21 |  | N/A |  |  | $0.00 |  |  | 48.48% | 48.48% | 48.48% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 329 | 30 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 06/27/2025 | 06/27/2025 |  |  |  | 777 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 52.21 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 75757514 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 5.12.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 18278.16 | 07/28/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 11.126% |  | 10.500% | 10.500% | $3547.36 | No | REDACTED | REDACTED | $8679.00 | $723.25 | $848.04 | $70.67 | $3930.18 | $9431.86 |  | N/A | REDACTED | REDACTED | $70.67 |  | Annually | 34.52% | 34.69% | 34.69% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 84 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 360 | 30 | FNMA 1005 | Yes | 41 | 31 | Work Number | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - Wage, Asset Depletion - 2 YRS W2 1099 Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 07/06/2025 | 07/06/2025 | 07/06/2025 |  |  | 666 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Missing |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 69.79 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | 72505621 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 5.12.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 4600 | 07/28/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 11.574% |  | 10.750% | 10.750% | $1005.08 | No | REDACTED | REDACTED | $6369.00 | $530.75 | $0.00 | $0.00 | $1532.46 | $3455.45 |  | N/A |  |  | $0.00 |  |  | 42.42% | 42.42% | 42.42% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 06/30/2025 | 06/30/2025 |  |  |  | 702 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 74.93 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 78838453 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 5.12.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 3739.25 | 07/28/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.974% |  | 9.500% | 9.500% | $984.64 | No | REDACTED | REDACTED | $1463.04 | $121.92 | $3252.00 | $271.00 | $2792.48 | $4805.64 |  | Yes | REDACTED | REDACTED | $271.00 | 08/01/2025 | Monthly | 43.86% | 43.86% | 43.86% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Missing | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2025, 2024 | Borrower - 2025, 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 06/30/2025 | 06/30/2025 |  |  |  | 761 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Missing |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 100219.75 | 21.3 | No | 74.58 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 78416089 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 21434 | 08/11/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.610% |  | 9.250% | 9.250% | $5841.00 | No | REDACTED | REDACTED | $2945.04 | $245.42 | $0.00 | $0.00 | $3872.29 | $11360.12 |  | N/A |  |  | $0.00 |  |  | 46.50% | 45.07% | 45.07% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | Yes |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 07/14/2025 | 07/14/2025 |  |  |  | 660 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 384574.72 | 33.9 | 384574.72 | 33.9 | No | 48.38 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 74430828 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 5.12.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 2231.68 | 07/28/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.327% |  | 9.750% | 9.750% | $549.86 | No | REDACTED | REDACTED | $3123.96 | $260.33 | $0.00 | $0.00 | $400.52 | $1500.45 |  | N/A |  |  | $0.00 |  |  | 36.37% | 36.37% | 36.37% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 |  | 0 | 0 | Work Number |  | 0 | 0 | Work Number | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, null Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, null Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 06/30/2025 | 06/30/2025 | 06/30/2025 |  |  | 682 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 48866.32 | 32.6 | No | 39.86 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | 76493601 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 9883 | 07/28/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.288% |  | 9.125% | 9.125% | $6102.25 | No | REDACTED | REDACTED | $1848.00 | $154.00 | $0.00 | $0.00 | $3832.26 | $11825.25 |  | N/A |  |  | $0.00 |  |  | 8.20% | 8.20% | 8.20% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 07/28/2025 | 07/28/2025 |  |  |  | 780 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 536194.29 | 47.3 | No | 68.22 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 72986521 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 3495 | 08/04/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.742% |  | 9.375% | 9.375% | $998.10 | No | REDACTED | REDACTED | $2708.52 | $225.71 | $0.00 | $0.00 | $2777.70 | $4861.18 |  | N/A |  |  | $0.00 |  |  | 39.81% | 39.81% | 39.81% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 07/29/2025 | 07/29/2025 |  |  |  | 776 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | PATRIOT ACT INFORMATION FORM | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 114878.63 | 23.6 | No | 60.93 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 77259810 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 3090 | 07/28/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.961% |  | 8.625% | 8.625% | $1011.13 | No | REDACTED | REDACTED | $2559.00 | $213.25 | $0.00 | $0.00 | $2363.06 | $4297.18 |  | N/A |  |  | $0.00 |  |  | 42.13% | 39.52% | 39.52% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp - CPA Letter Verified, Business Bank Statements Verified - 2023, 2024, 2025 | Borrower - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 07/16/2025 | 07/16/2025 |  |  |  | 749 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | PATRIOT ACT INFORMATION FORM | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 84964.25 | 19.8 | No | 41.99 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 72651542 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 10415 | 07/28/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.720% |  | 10.125% | 10.125% | $2110.64 | No | REDACTED | REDACTED | $1177.68 | $98.14 | $0.00 | $0.00 | $1517.51 | $4289.07 |  | N/A |  |  | $0.00 |  |  | 42.69% | 42.69% | 42.69% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, null Executed 4506T Verified - 2024, 2025 | Borrower - null Executed 4506T Verified - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 07/15/2025 | 07/15/2025 |  |  |  | 738 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Form | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 79.89 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 71306685 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  | 07/28/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 0.000% |  | 10.250% | 10.250% | $1306.52 | No | REDACTED | REDACTED | $1379.04 | $114.92 | $0.00 | $0.00 | $1840.05 | $3771.73 |  | N/A |  |  | $0.00 |  |  | 43.27% | 43.11% | 43.11% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 07/08/2025 | 07/08/2025 |  |  |  | 759 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | PATRIOT ACT INFORMATION FORM | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 135911.86 | 37.2 | No | 69.89 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 79727537 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 5.12.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 4695 | 06/16/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.577% |  | 10.250% | 10.250% | $1792.20 | No | REDACTED | REDACTED | $10193.04 | $849.42 | $0.00 | $0.00 | $2355.34 | $5702.48 |  | N/A |  |  | $0.00 |  |  | 38.24% | 38.39% | 38.39% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 99.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 155 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 05/01/2025 | 05/01/2025 |  |  |  | 682 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 58.78 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 72915121 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 5.12.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 6770 | 07/28/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.947% |  | 10.500% | 10.500% | $1829.48 | No | REDACTED | REDACTED | $2393.88 | $199.49 | $1608.00 | $134.00 | $3160.97 | $6116.95 |  | N/A |  | REDACTED | $134.00 |  | Monthly | 47.88% | 47.85% | 47.85% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 26 | 26 | Other |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - Written VOE Verified - 2025, 2024, 2023 | Borrower - 2025, 2024, 2023 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 07/29/2025 | 07/29/2025 |  |  |  | 723 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Missing |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 178166.27 | 29.1 | No | 78.41 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 73268788 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 5.12.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 3565 | 07/28/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.725% |  | 9.375% | 9.375% | $1247.61 | No | REDACTED | REDACTED | $1236.96 | $103.08 | $0.00 | $0.00 | $1893.99 | $3351.20 |  | N/A |  |  | $0.00 |  |  | 41.24% | 41.05% | 41.05% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 07/01/2025 | 07/01/2025 |  |  |  | 738 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | PATRIOT ACT INFORMATION FORM | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 93171.16 | 34.7 | No | 63.26 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 77061201 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 2493.57 | 08/04/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.224% |  | 8.875% | 8.875% | $772.64 | No | REDACTED | REDACTED | $1419.96 | $118.33 | $660.00 | $55.00 | $897.94 | $2416.51 |  | N/A | REDACTED | REDACTED | $55.00 |  | Annually | 41.75% | 41.75% | 41.75% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 08/01/2025 | 08/01/2025 |  |  |  | 767 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 75958435 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 5.12.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 3795 | 08/04/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.927% |  | 8.750% | 8.750% | $2360.10 | No | REDACTED | REDACTED | $4116.00 | $343.00 | $0.00 | $0.00 | $1514.57 | $5201.94 |  | N/A |  |  | $0.00 |  |  | 30.38% | 30.37% | 30.37% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 1 | 24 | Other |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Other REO Net Rental Income(Loss) - Written VOE Verified - 2023, 2024, 2025 | Borrower - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 06/16/2025 | 06/16/2025 |  |  |  | 819 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | PATRIOT ACT INFORMATION FORM | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 291199.58 | 56 | No | 57.12 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 79013281 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 5.12.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 2577 | 08/04/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.830% |  | 9.875% | 9.875% | $586.83 | No | REDACTED | REDACTED | $3788.04 | $315.67 | $0.00 | $0.00 | $2040.27 | $3254.72 |  | N/A |  | REDACTED | $0.00 |  |  | 41.31% | 41.32% | 41.32% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 117 | 31 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 07/07/2025 | 07/07/2025 |  |  |  | 686 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 68.02 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 79571647 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 5.12.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 1730 | 07/14/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.507% |  | 8.875% | 8.875% | $446.04 | No | REDACTED | REDACTED | $887.04 | $73.92 | $0.00 | $0.00 | $2679.25 | $3278.85 |  | N/A |  |  | $0.00 |  |  | 41.57% | 41.57% | 41.57% | No | No |  |  |  |  |  |  | Employed | Retired |  |  |  |  | 2YR Full Doc | 1 | 1 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | Yes | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 93 | 30 | Work Number | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, SSI and Disability - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, Award Letter Verified - 2023, 2024, 2025 \|\| Co Borrower - SSI and Disability, Retirement - 1 YR W2 1099 Verified, 2 YRS Executed 4506T Verified, Award Letter Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2023, 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 07/07/2025 | 07/07/2025 | 07/07/2025 |  |  | 755 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 82.48 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | 78107960 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  | 08/04/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 0.000% |  | 9.500% | 9.500% | $441.45 | No | REDACTED | REDACTED | $1951.68 | $162.64 | $0.00 | $0.00 | $532.86 | $1686.84 | $10061.13 | N/A |  |  | $0.00 |  |  | 48.38% | 47.31% | 47.31% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 06/03/2025 | 06/03/2025 |  |  |  | 762 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 63945.43 | 37.9 | 63945.43 | 37.9 | No | 33.44 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 74457815 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 1730 | 07/28/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.402% |  | 8.000% | 8.000% | $627.33 | No | REDACTED | REDACTED | $1862.88 | $155.24 | $0.00 | $0.00 | $839.56 | $1724.24 |  | N/A |  |  | $0.00 |  |  | 41.39% | 41.31% | 41.31% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 2 | 24 | Work Number |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 07/28/2025 | 07/28/2025 |  |  |  | 756 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 14878.31 | 9.7 | No | 54.55 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 76937139 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 2578.75 | 08/04/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.393% |  | 8.875% | 8.875% | $581.06 | No | REDACTED | REDACTED | $1085.04 | $90.42 | $1368.00 | $114.00 | $1514.28 | $2594.13 |  | N/A | REDACTED | REDACTED | $114.00 |  | Monthly | 49.90% | 49.91% | 49.90% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 12 | 12 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 06/08/2025 | 06/08/2025 |  |  |  | 749 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 74.66 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 75415257 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 2017 | 08/04/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.076% |  | 9.375% | 9.375% | $572.87 | No | REDACTED | REDACTED | $2999.16 | $249.93 | $0.00 | $0.00 | $1165.89 | $2347.94 |  | N/A |  |  | $0.00 |  |  | 40.70% | 40.70% | 40.70% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 2 | 24 | Other |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 07/23/2025 | 07/23/2025 |  |  |  | 714 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 58353.55 | 24.9 | No | 68.31 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 77659005 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 833.72 | 08/04/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.012% |  | 8.875% | 8.875% | $400.85 | No | REDACTED | REDACTED | $1406.28 | $117.19 | $0.00 | $0.00 | $431.92 | $1111.63 |  | N/A |  |  | $0.00 |  |  | 20.88% | 20.89% | 20.81% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, null Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 07/16/2025 | 07/16/2025 |  |  |  | 790 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 48207.90 | 43.4 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 77739610 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 3190 | 08/04/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.087% |  | 9.000% | 9.000% | $4184.04 | No | REDACTED | REDACTED | $1724.04 | $143.67 | $0.00 | $0.00 | $3405.58 | $8812.59 |  | N/A |  |  | $0.00 |  |  | 41.87% | 41.94% | 41.94% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | 1 Month |  | N/A | 0 |  |  | 1 | 0 |  |  | 1 | 1 | Yes |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Wage, Wage - 1 YR Personal Tax Returns Verified, 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Executed 4506T Verified, IRS Transcripts Verified, Award Letter Verified - 2025, 2024, 2023 | Borrower - 1 YR Personal Tax Returns Verified, Executed 4506T Verified, IRS Transcripts Verified - 2025, 2024, 2023 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 07/16/2025 | 07/16/2025 |  |  |  | 765 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Missing |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 74047.26 | 8.4 | No | 78.3 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 71470170 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  | 08/11/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 0.000% |  | 9.250% | 9.250% | $1373.87 | No | REDACTED | REDACTED | $3669.00 | $305.75 | $0.00 | $0.00 | $699.57 | $2705.74 |  | N/A |  |  | $0.00 |  |  | 42.75% | 42.72% | 42.72% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 1YR Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 1 | 0 | 0 | 0 | 3 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Borrower Prepared | 18 | Borrower | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - 2023 - 2023 \|\| Co Borrower | Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - 2023 - 2023 \|\| Co Borrower | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 07/08/2025 | 07/08/2025 | 07/08/2025 |  |  | 786 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 161734.15 | 59.8 | No | 79.75 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | 76239641 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 7827.5 | 08/11/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.423% |  | 9.875% | 9.875% | $1693.28 | No | REDACTED | REDACTED | $2688.00 | $224.00 | $540.00 | $45.00 | $3183.10 | $5898.79 |  | N/A | REDACTED | REDACTED | $45.00 | 09/01/2025 | Monthly | 49.70% | 49.30% | 49.30% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 1 | 24 | Work Number |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 07/28/2025 | 07/28/2025 |  |  |  | 666 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | PATRIOT ACT INFORMATION FORM | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 84670.50 | 14.4 | No | 69.49 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 74141113 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 1601.88 | 08/18/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.417% |  | 10.250% | 10.250% | $1043.96 | No | REDACTED | REDACTED | $2631.60 | $219.30 | $399.96 | $33.33 | $968.76 | $2820.77 |  | N/A | REDACTED | REDACTED | $33.33 |  | Annually | 39.23% | 37.47% | 37.47% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 07/08/2025 | 07/08/2025 | 07/08/2025 |  |  | 769 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 79.85 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | 74159612 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  | 08/11/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 0.000% |  | 8.875% | 8.875% | $795.64 | No | REDACTED | REDACTED | $737.04 | $61.42 | $0.00 | $0.00 | $1067.67 | $2329.98 |  | N/A |  |  | $0.00 |  |  | 47.05% | 49.35% | 49.35% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 2 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 2 | 24 | FNMA 1005 |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 08/06/2025 | 08/06/2025 |  |  |  | 767 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | PATRIOT ACT INFORMATION FORM | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 83414.05 | 35.8 | No | 43.62 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 75217666 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 5.12.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 7180.09 | 08/11/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.349% |  | 9.875% | 9.875% | $1688.96 | No | REDACTED | REDACTED | $2858.04 | $238.17 | $0.00 | $0.00 | $848.12 | $3048.23 |  | N/A |  |  | $0.00 |  |  | 43.67% | 43.17% | 43.17% | No | No |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | Yes | Yes | 0 | 12 | 35.31% | 0.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 1 | 24 | Work Number | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - SESCorp - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 07/04/2025 | 07/04/2025 | 07/04/2025 |  |  | 745 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 185454.14 | 60.8 | No | 79.87 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | 70179598 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 2860 | 08/11/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.755% |  | 8.750% | 8.750% | $561.16 | No | REDACTED | REDACTED | $1811.04 | $150.92 | $0.00 | $0.00 | $1074.22 | $2201.13 |  | N/A |  |  | $0.00 |  |  | 30.08% | 30.08% | 30.08% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 25 | 25 | Other |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, Executed 4506T Verified, IRS Transcripts Verified - 2025, 2024, 2023 | Borrower - Executed 4506T Verified, IRS Transcripts Verified - 2025, 2024, 2023 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 07/23/2025 | 07/23/2025 |  |  |  | 775 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 36093.72 | 17.4 | No | 74.13 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 78822419 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 5.12.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 3124 | 08/11/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 13.612% |  | 12.625% | 12.625% | $992.93 | No | REDACTED | REDACTED | $2313.96 | $192.83 | $0.00 | $0.00 | $824.37 | $2117.16 |  | N/A |  |  | $0.00 |  |  | 40.82% | 40.82% | 40.82% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 23 | 23 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 07/03/2025 | 07/03/2025 |  |  |  | 665 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 1 | 0 | 0 | 0 | 5 | 0 | 0 | 0 | 6 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 77.45 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 72727305 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 2145 | 08/18/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.726% |  | 9.625% | 9.625% | $2175.96 | No | REDACTED | REDACTED | $6518.88 | $543.24 | $0.00 | $0.00 | $2087.99 | $6291.22 |  | N/A |  |  | $0.00 |  |  | 42.12% | 42.12% | 42.12% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - Executed 4506T Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - Executed 4506T Verified - 2025, 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 08/01/2025 | 08/01/2025 |  |  |  | 686 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 11458.90 | 2.7 | 11458.90 | 2.7 | No | 39.95 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 75664549 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 8635.5 | 08/18/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.604% |  | 9.125% | 9.125% | $1993.40 | No | REDACTED | REDACTED | $1766.16 | $147.18 | $0.00 | $0.00 | $2261.30 | $5022.27 |  | N/A |  |  | $0.00 |  |  | 30.32% | 30.14% | 30.14% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 156 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 06/17/2025 | 06/17/2025 |  |  |  | 809 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 77.22 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 79363821 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 5.12.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 6290 | 08/25/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.833% |  | 8.500% | 8.500% | $1922.28 | No | REDACTED | REDACTED | $1080.36 | $90.03 | $0.00 | $0.00 | $853.91 | $3558.42 |  | N/A |  |  | $0.00 |  |  | 31.82% | 31.78% | 31.78% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 07/09/2025 | 07/09/2025 |  |  |  | 737 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | PATRIOT ACT INFORMATION FORM | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 238999.36 | 67.2 | No | 52.17 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |

---

## Exhibit 99.7

[VISTA POINT ASSETS LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.7 - Schedule 6**

---

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| **Loan ID** | **Seller Loan ID** | **Marketing ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraisal Company** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| REDACTED |  | 78023401 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | LOW | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | 71415592 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | 72074920 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | 74411760 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1073 Individual Condo Report |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | 75841078 | REDACTED | REDACTED |  | REDACTED | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | Low | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | 76489432 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | AVM |  |  |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | .0000 | Other |  |  |  |  | 0.0 |  |  |  |  | REDACTED |  |  | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | 77947450 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | 74855473 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | 70084941 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | 78154025 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | 73399622 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | Low Risk | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | 71593627 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | 71267195 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | Moderate Risk | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | 76869799 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | 72789753 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | AVM |  |  |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | .0000 | Other |  |  |  |  | 0.0 |  |  |  |  | REDACTED |  |  | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | 79945174 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | .0000 | Other |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | LOW | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | 77836739 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | 78576274 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | AVM |  |  |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | .0000 | Other |  |  |  |  | 0.0 |  |  |  |  | REDACTED |  |  | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | 78387431 | REDACTED | REDACTED | REDACTED | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | 71851655 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | 71314523 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | 71209166 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | 71754637 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | 75133929 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | 77512409 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | 79495751 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | 72883631 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | 76133763 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | 76722508 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | 76797958 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | 79005879 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1025 Small Residential Income Report |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | Low Risk | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | 73904119 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | 74496274 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | 71427450 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | 77254266 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | 74979947 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | 77088915 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | 76690679 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | 73675572 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | 75507431 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | 79749284 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | LOW | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | 71995922 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | 70497133 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | 75244846 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1073 Individual Condo Report |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | 78287963 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | 71838005 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1073 Individual Condo Report |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | 78876515 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | 71663673 | REDACTED | REDACTED |  | REDACTED | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | 79393685 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | 75922064 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | 78247063 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | 79765507 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | Low | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | 70625496 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | 77617528 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | 74009162 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | 74273590 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | 79487396 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | Low Risk | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | 74703748 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | 76775957 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | MODERATE | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | 78477052 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1025 Small Residential Income Report |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | -.0878 | REDACTED | MODERATE | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | 73140692 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | 71242182 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | 79742405 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | AVM |  |  |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | .0000 | Other |  |  |  |  | 0.0 |  |  |  |  | REDACTED |  |  | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | 73349626 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | 75009858 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | AVM |  |  |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | .0000 | Other |  |  |  |  | 0.0 |  |  |  |  | REDACTED |  |  | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | 79371162 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | 71917245 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | AVM |  |  |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | .0000 | Other |  |  |  |  | 0.0 |  |  |  |  | REDACTED |  |  | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | 78517926 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | 76509581 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | AVM |  |  |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | .0000 | Other |  |  |  |  | 0.0 |  |  |  |  | REDACTED |  |  | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | 78035404 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1025 Small Residential Income Report |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | 76840524 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | 73918025 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | 76076603 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | Moderate Risk | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | 70459425 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | 76643757 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  | REDACTED | REDACTED | .0000 | Collateral Underwriter (CU) | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | 70244615 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | 70764144 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | 79390715 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | 73895744 | REDACTED | REDACTED |  | REDACTED | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | -.0359 | AVM |  |  |  |  | 0.0 |  |  |  |  | REDACTED | REDACTED | -.0359 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | 71634777 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | 71195688 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1073 Individual Condo Report |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | LOW | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | 72687213 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | 73991553 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | 77745294 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | AVM |  |  |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | .0000 | Other |  |  |  |  | 0.0 |  |  |  |  | REDACTED |  |  | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | 79950358 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | 79671728 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | 73191230 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | AVM |  |  |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | .0000 | Other |  |  |  |  | 0.0 |  |  |  |  | REDACTED |  |  | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | 79480432 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | 79128107 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | 72185584 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | AVM |  |  |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | .0000 | Other |  |  |  |  | 0.0 |  |  |  |  | REDACTED |  |  | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | 78341784 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | 79443910 | REDACTED | REDACTED | REDACTED | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED | 2506188610 | 74876573 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | Moderate Risk | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | 74188511 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | 78069581 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | 77118491 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | AVM |  |  |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | .0000 | Other |  |  |  |  | 0.0 |  |  |  |  | REDACTED |  |  | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | 70055410 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | 74325271 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | LOW | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | 76575486 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | 75422744 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | 77817143 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | AVM |  |  |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | .0000 | Other |  |  |  |  | 0.0 |  |  |  |  | REDACTED |  |  | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | 72858861 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | AVM |  |  |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | .0000 | Other |  |  |  |  | 0.0 |  |  |  |  | REDACTED |  |  | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | 71764017 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | 77894418 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | 72214642 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | AVM |  |  |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | .0000 | Other |  |  |  |  | 0.0 |  |  |  |  | REDACTED |  |  | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | 71006908 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | LOW | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | 73551083 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | 77304747 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | 78409228 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | 77907856 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | 74388281 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | 70539888 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | 73746466 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | 70597141 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | Moderate Risk | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | 79132804 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | Low Risk | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | 71400034 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | 74781519 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | 72288367 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | 72721014 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | 77401808 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | 76073621 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | 77761611 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | 71484380 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | 78110574 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | 78447631 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | 71972044 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | 79283852 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | 78643269 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | AVM |  |  |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | .0000 | Other |  |  |  |  | 0.0 |  |  |  |  | REDACTED |  |  | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | 78374978 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | 78977948 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | AVM |  |  |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | .0000 | Other |  |  |  |  | 0.0 |  |  |  |  | REDACTED |  |  | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | 77458352 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | 74547625 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | 71545298 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1025 Small Residential Income Report |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | 73369811 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | 73603971 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | 75532257 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | 73932871 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | 75180451 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | AVM |  |  |  | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | Other | REDACTED |  |  | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | 75941349 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | 72119285 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1025 Small Residential Income Report |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | LOW | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | 70771170 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | -.0312 | REDACTED | Moderate Risk | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | 73290603 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | Low | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | 71697524 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | 75029349 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | 74849461 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | 72444743 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | AVM |  |  |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | .0000 | Other |  |  |  |  | 0.0 |  |  |  |  | REDACTED |  |  | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | 75709787 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | 72330412 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | AVM |  |  |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | .0000 | Other |  |  |  |  | 0.0 |  |  |  |  | REDACTED |  |  | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED |  |  |  |  |  |  |  |  | Missing |  |  |
| REDACTED |  | 76518819 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | 75757514 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | 72505621 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | 78838453 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1073 Individual Condo Report |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  | REDACTED | REDACTED | .0020 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | 78416089 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | 74430828 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | 76493601 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | LOW | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | 72986521 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | MODERATE | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | 77259810 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | LOW | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | 72651542 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | 71306685 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | 79727537 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | 72915121 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | 73268788 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | 77061201 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | 75958435 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | 79013281 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | 79571647 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | AVM |  |  |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | .0000 | Other |  |  |  |  | 0.0 |  |  |  |  | REDACTED |  |  | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | 78107960 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | 74457815 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | AVM |  |  |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | .0000 | Other |  |  |  |  | 0.0 |  |  |  |  | REDACTED |  |  | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | 76937139 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | AVM |  |  |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | .0000 | Other |  |  |  |  | 0.0 |  |  |  |  | REDACTED |  |  | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | 75415257 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | 77659005 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | 77739610 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | Low | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | 71470170 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | LOW | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | 76239641 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | LOW | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | 74141113 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | 74159612 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | 75217666 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | 70179598 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | 78822419 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | 72727305 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | 75664549 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | 79363821 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |

---